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In order to ensure monetary security of BRAC Bank cardholders, the financial institution reserves the proper to limit card transactions at any explicit service provider on immediate foundation. The restriction is at the sole discretion of BRAC Bank Limited. Periodic review of the restricted retailers is a recurring activity of the bank. Based on the outcomes of such evaluate, the listing of allowable/restricted retailers could change.

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If cardholder has account with BRAC Bank, s/he can dial BRAC Bank call heart at and give instruction of debiting cardholder’s BRAC Bank current/savings account to pay credit card invoice. This process will require PIN verification. The Cardholder might choose not to settle the current steadiness in full, in which case the cardholder must pay a minimal of ‘Minimum Amount Due’ as decided by the Bank once in a while on or before the cost due date.

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A cheque deposit shall be acceptable for assortment and the proceeds shall not be available until the cheque has been cleared and the proceeds paid to the Bank. Any cash deposits could solely be considered having been received by the Bank upon crediting the identical to the Card Account. The Cardholder agrees to pay the Bank upon the request of the Bank an annual payment as prescribed by the Bank for the card and an annual fee prescribed by the Bank for each Supplementary Card.

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If the disputed Card Transaction seems to be genuine, the Cardholder shall pay the amount set out in the related Card Transaction along with any fees incurred by the Bank within the investigation of such disputed Card Transaction. Payments will be handled as made from the date on which the funds are literally acquired by the Bank within the strange course of enterprise and never from the posting date on the Statement. At least 3-4 days must be allowed for the payment to be credited to the Card Account. If the Cardholder pays an amount lower than the present steadiness of a selected month’s bill statement by the fee due date, curiosity might be accrued on the balance remaining after the Payment Due Date and will be posted within the next assertion.

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In reference to the particular discounts/offers made by the respective Merchants, the Bank will not be held accountable the place any of the Merchants withdraws, cancels, alters, or amends these products/services. In addition, the Bank reserves the right to alter the advantages out there to Cardholders at any time with out prior notice. In reference to the particular discounts/offers made by the respective Merchants, the Bank doesn’t hold out any warranty or make any representation of the supply, quality, design, specifications or otherwise set out in respect of those provides. Also, these products/services are topic to availability and might be allocated on a first come, first server foundation.

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The cardholder and/or his property will be liable for repaying in full any outstanding balances on the card account and shall keep the Bank indemnified for all costs and bills incurred in recovering such outstanding balances. All Cardholders might be billed on a month-to-month foundation for all Charges incurred by the use of Card and for all expenses applicable to the Card Account. BRAC Bank shall endeavor that no delay is brought on in sending the Statement to the Cardholder. However, there may be no statement generated for the interval 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 particular facility at such fee/rate as could also be stipulated by BRAC Bank every so often. All entries within the Statement of Account shall be presumed appropriate except the Cardholder disputes such entries inside 30 days from the Statement of Account and proves such entry to be incorrect.

In the occasion of the stated checking account not having enough funds on the Payment Due Date or next 2 consecutive days, the Cardholder shall be liable to pay all of the Charges applicable in addition to the Card dues. The Cardholder agrees and confirms that each one the particulars submitted to BRAC Bank by the Cardholder for availing of the auto debit facility shall be correct and complete. BRAC Bank shall not be liable if the auto debit transaction is delayed or not effected in any respect for reasons of incomplete or incorrect info or for any reason whatsoever. The Cardholder additional agrees and undertakes to inform the Cardholder’s financial institution of the auto debit directions issued in favor of BRAC Bank and to not close the stated bank account with out the prior consent of BRAC Bank.

“Credit Limit / Purchase Limit” means the utmost debit steadiness permitted by the Bank for the Card Account for the Primary and the Supplementary Card, if any and notified to the Primary Cardholder once in a while. “Cardholder” means a person whose name is in a Card Account and who’s answerable for all transactions and liabilities on the Card Account. It consists of Primary and any Supplementary Cards. “Authorized Dealer” means a certified supplier as defined within the Foreign Exchange Regulations Act 1947 as amended from time to time.

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A replacement cost as prescribed by the Bank is payable by the Cardholder to the Bank instantly upon a request to the Bank to issue a Replacement Card. Additional costs as prescribed by the Bank are payable by the Cardholder to the Bank immediately upon the request to the Bank for the availability of copies of sales voucher/Cash Advance Slip and any further services the Bank may present once in a while. If the Cardholder fails to pay the Minimum Amount Due by the payment due date, a flat late cost cost fee as prevailing every so often will be levied. These transactions could embrace room, meals or beverage costs, taxes, gasoline, insurance, rental charges, injury to rental automobiles, parking tickets and different traffic violations, and goods and services bought aboard a Cruise Line vessel. “ATM” means an automated teller machine or any card operated machine or system whether or not belonging to the Bank or other collaborating banks or monetary establishments nominated from time to time by the Bank, which accepts Card. As a model new participant, you’ll must add some funds to your account to keep enjoying and garnering big wins.

The Bank displays the chance of using the Card within the High Risk Countries. The Bank will try to call the Cardholders to inform them in regards to the possible fraud threat that could emanate from such Card utilization at High Risk Countries and shall search consent from the Cardholder to block the Card from additional utilization. In such circumstances, the Bank shall be entitled to quickly droop the use of the card till further notice to the cardholder. The Bank will by no means be responsible for any transaction on the card earlier than receiving correct notification of the said loss, theft or disclosure from the cardholder. Credit card bill may be paid via bKash app.

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The payment by way of bKash could require most 3 working days to be settled. The primary cardholder could 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 might cost charges for any returned unpaid cheque drawn by the Cardholder in full or partial fee of the outstanding quantity. The Bank shall be entitled at its sole discretion to differ the speed of technique of calculation of the annual fees, finance expenses, the specified Minimum Amount Due and/or late cost costs or another charges. A Merchant may process delayed or amended costs if the Cardholder has consented to be liable for delayed or amended charges for a Hotel, Car Rental Company, or Cruise Line Transaction or some other transactions. C. BRAC Bank’s record of the quantity of any Charge, specified herein above, shall, within the absence of manifest error, be last and binding on the Cardholder, and shall be conclusive in any case where BRAC Bank has effected any payment pursuant to a Voluntary Charge.

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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 shall be resolved as per the policy of respective cost network (Visa/ Mastercard) and the choice of the payment community will be considered as last. The Bank can’t be held responsible for setting claims emanating from this scheme or for the approval or rejection of any declare. If you fail to notify BRAC Bank inside one hundred 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 beneath this Agreement.

The Bank reserves the right to retain the appliance types and documents supplied therewith, including images, and will not return the identical. Lost, stolen or damaged Priority Pass cards are to be reported instantly to BRAC Bank. The Credit Limit assigned to the Primary Cardholder is inclusive of the Credit Limit of the Supplementary Cardholder and the Primary Cardholder and the Supplementary Cardholder cannot make transactions through their respective Cards beyond the said Credit Limit. The Bank might at its absolute discretion concern a Supplementary Card to a person nominated by the Cardholder and accredited by the Bank.

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In case any supply date just isn’t specified on the time of buying and the web service provider fails to ship the product/service; then notify BRAC Bank after 30 days however inside 120 days of the transaction date. The Bank shall not be responsible for non-delivery or delayed delivery of alerts, error, loss or distortion in transmission of alerts to the Cardholders. For payment through Cash Deposit Machine , money deposits received within the ‘envelope assortment time’ as indicated on the machine might be considered and processed on the identical banking day. Processing of cheque deposits might be topic to cheque clearing hold.

PERSONAL IDENTIFICATION NUMBER To allow the Cardholder to make use of the Card, a Personal Identification Number shall be issued to him/her. In the occasion the same just isn’t acquired in a sealed envelope, the Cardholder shall contact a BRAC Bank branch or the BRAC Bank 24-Hour Call Center. The PIN supplies entry to the Card Account and the Cardholder accepts the sole duty to be used, confidentiality and safety of the PIN, as nicely as for all orders and data changes entered into the Card Account using such PIN.

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The Supplementary Cardholder have to 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 represent binding and conclusive proof of the acceptance by the Cardholder of the entries proven on that Statement of Account.

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The Bank shall have the best to verify the credit standing of the applicant for the card/or examine standing of the Cardholder at any instances as and when the Bank deems match irrespective of him/her. The Bank will immediately adjust to disclosure of data to any authority beneath any law. The Priority Pass card is not a fee card nor it is a proof of creditworthiness and makes an attempt to make use of it as such may constitute fraud. Fees and expenses may apply on the utilization of Priority Pass. If the cardholder misses to pay four consecutive EMI funds, the whole quantity shall be again transformed into outstanding with regular interest rate.

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