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The Bank reserves the best not to enable worldwide Transactions up to full limit assigned for SAARC countries & Myanmar and Non-SAARC countries so that the Limits aren’t exceeded in the event of change fee fluctuations or any unauthorized transactions. The Card just isn’t transferrable and its usage is topic to the phrases mentioned herein and any additional conditions stipulated by BRAC Bank Limited every so often. The Cardholder by no means whatsoever will allow the Card and/or PIN and/or CVC/CVV and/or OTP to be used by another particular person. The Cardholder could not pledge the Card as Security for any purpose in any way. BRAC Bank Limited reserves the proper to determine the credit worthiness of the Applicant time to time by acquiring credit bureau report and such different stories as it may deem essential and decline to problem a Card to any Applicant at its sole discretion.

The Supplementary Cardholder should be of 18 years of age or over. The issue of the Supplementary Card shall be topic to such Terms and Conditions, which the Bank may deem necessary. The cost by the Cardholder of any sum to the Bank in respect of any Statement of Account shall constitute binding and conclusive evidence of the acceptance by the Cardholder of the entries shown on that Statement of Account.

Subject to the requirements of statute, notification of any such change shall be given to the Cardholder by the Bank either in writing or by publication thereof. Such modifications shall apply to all unpaid Finance Charges, Fees, Cash Advances, Costs and Card Transactions. These complaints will be resolved as per the policy of respective cost network (Visa/ Mastercard) and the decision of the cost community shall be thought-about as ultimate. The Bank can’t be held liable for setting claims emanating from this scheme or for the approval or rejection of any claim. If you fail to notify BRAC Bank inside a hundred and twenty days of buying the product/service; the Bank is not going to be held liable to entertain the grievance. The Bank shall be entitled at any time without the consent of the Cardholder to assign and switch the entire or any part of its rights of obligations under this Agreement.

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The cardholder and/or his estate will be responsible for repaying in full any excellent balances on the cardboard account and shall hold the Bank indemnified for all prices and bills incurred in recovering such outstanding balances. All Cardholders shall be billed on a monthly foundation for all Charges incurred by means of Card and for all costs relevant to the Card Account. BRAC Bank shall endeavor that no delay is caused in sending the Statement to the Cardholder. However, there could also be no statement generated for the period during which there has been no outstanding due and no transaction on the Card Account within the preceding month. The facility of a Supplementary Card, is a special facility at such fee/rate as could additionally be stipulated by BRAC Bank once in a while. All entries in the Statement of Account shall be presumed right except the Cardholder disputes such entries within 30 days from the Statement of Account and proves such entry to be incorrect.

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The cardholder shall immediately after such recall; return such card cut in halves with CHIP destroyed to the Bank and make full cost of all expenses and liabilities to the Bank. The Bank might at any time demand that the Cardholder deposits an undated cheque and/or pledge money collateral in favor of the Bank for the amount, which the Bank might require even when such a cheque was not demanded when the cardboard was issued to the Cardholder. The Cardholder, in such an occasion, shall be deemed to have licensed the Bank to insert the date on the stated cheque and to current it for fee on the inserted date against any quantity because of the Bank.

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Use of the Card at any ATM of the Bank or any other bank or institution with whom the Bank has an Agreement for using the ATM of the mentioned bank or establishment during which case advance will be additional topic to the relevant daily withdrawal restrict of the ATM. BRAC Bank Limited reserves absolutely the discretion and liberty to say no or honor the authorization requests on the Card with out assigning any purpose. In sure instances, subject to its sole discretion, BRAC Bank Limited might require the Cardholder to contact the Bank’s 24-hour Call Center to authenticate the transaction before approving it and charging it to the Card Account. “Terms and Conditions” means the terms and circumstances set out herein and/or as could also be stipulated by BRAC Bank Limited from time to time, as amended. “Cash Advance” means any amount obtained by means of the Card, the Card number or the PIN or in any method approved by the Cardholder from the Bank or another financial institution or financial establishment for debit to the Card Account. “Card” means the Credit Card issued by the BRAC Bank Limited on the idea of software made by the Cardholder beneath the name of VISA, MasterCard or JCB and in addition consists of Primary, Supplementary/Additional and Replacement/Re-issued Cards.

The cardholder can buy Motorbikes with BRAC Bank Credit Card from any Motorbike Partner outlets and convert the transactions into Motorbike installment plan at 16% efficient interest rate every year. The installment tenure might vary from 6 to 36 months. The cardholder should purchase their desired products from BRAC Bank Flex companions’ shops with BRAC Bank Credit Card Flex facility. The minimum purchase amount to avail Flex facility is TK. 3,000 and pays back with easy installment at 0% annual rate of interest.

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