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All statutory taxes, service tax, VAT, all other imposts, duties and taxes as may be levied once in a while by the Government or different authority in respect of or in reference to the Card. The cash advance charge and finance charge are non-refundable. The Bank at its sole discretion might reverse the partial or full quantity. “Minimum Amount Due” means the minimal quantity specified by the Bank in assertion which if paid by the Payment Due Date will prevent any late payment fee.

The payment through bKash could require maximum 3 working days to be settled. The main cardholder might withdraw the authority of the supplementary cardholder by sending a written intimation to the Bank accompanied by the supplementary card. Without prejudice to Bank’s rights at any time to take the appropriate authorized action, the Bank may charge charges for any returned unpaid cheque drawn by the Cardholder in full or partial cost of the outstanding quantity. The Bank shall be entitled at its sole discretion to vary the rate of technique of calculation of the annual fees, finance costs, the required Minimum Amount Due and/or late cost charges or another costs. A Merchant might course of delayed or amended expenses if the Cardholder has consented to be answerable for delayed or amended costs for a Hotel, Car Rental Company, or Cruise Line Transaction or any other transactions. C. BRAC Bank’s report of the quantity of any Charge, specified herein above, shall, in the absence of manifest error, be last and binding on the Cardholder, and shall be conclusive in any case the place BRAC Bank has effected any payment pursuant to a Voluntary Charge.

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The Cardholder shall always ensure that the Card is kept in a secure place and can train each possible care to stop the Card from being misplaced or stolen. “Security” means the lien of any account/Fixed Deposit/Financial Instrument against which the card is issued . “Payment Due Date” means the date specified in the Statement of Account, by which date, fee of the Total Payment Due or the Current Balance or any half thereof or a minimum of the Minimum Amount Due is to be made to the Bank. “Guarantee” means lien of any account/Fixed Deposit/financial instrument against the issued Credit Card limit. “Current Balance” means the total debit balance which shall be debited to the Card Account excellent on the Card Account payable to the Bank in accordance with the Bank’s records on the date the Statement of Account is issued. “Cash-Limit” means the maximum amount of money or equivalent of cash as outlined or prescribed by BRAC Bank Limited, that the Credit Cardholder can use his/her Card Account.

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Should the Cardholder be away from Bangladesh greater than a month, the Card Account must be settled 7 days prior to his/her departure. The Cardholder should promptly notify the Bank in writing of any change in employment or business or handle (office and/or residence) or if Cardholder intends to be away from Bangladesh for more than 30 days. All costs and bills in such regard could additionally be debited to the Card Account and shall be payable by the Cardholder.

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If the present steadiness is less than Minimum Amount Due then the current balance becomes totally due. However, if the Minimum Amount Due is not paid by the cost due date or only partly paid, the unpaid amount shall be added to the following statement’s Minimum Amount Due. Such transactions may also be topic in to a financial institution Charge as the Bank may decide in its sole discretion from time to time. The change rate may differ from the speed on the transaction date because of market fluctuation. The BRAC Bank’s 24-Hour Call Center is on the market to all Cardholders.

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