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The Cardholder undertakes to signal such additional document as could additionally be requested by the Bank from time to time to give impact to such task and switch. Information may also be processed for the needs of complying with applicable legal guidelines, together with anti-money laundering and anti-terrorism legal guidelines and regulations and preventing crime and terrorism. This could require the disclosure of knowledge to a Bangladeshi or abroad governmental or regulatory authorities or to some other person we moderately assume necessary for these functions.

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In order to ensure financial security of BRAC Bank cardholders, the financial institution reserves the proper to restrict card transactions at any specific merchant on instant basis. The restriction is at the sole discretion of BRAC Bank Limited. Periodic review of the restricted merchants is a recurring activity of the financial institution. Based on the outcome of such evaluation, the record of allowable/restricted retailers may change.

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The Cardholder shall not record the PIN in any type in order to facilitate the PIN coming to the knowledge of a 3rd get together. BRAC Bank is allowed by the Cardholder for carrying out transactions and instructions authenticated by the PIN and shall not revoke the same. If the Cardholder fails to watch the safety requirements, s/he may incur legal responsibility for BRAC Bank. BRAC Bank may, in its absolute discretion, issue a new PIN on the existing Card.

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Payments made by the cheques drawn on a location the place the Bank does not have a department might be topic to a processing and dealing with charge as decided by the Bank once in a while. “Late Payment Fee” means a cost relevant in case of the Cardholder’s failure to pay at least minimum quantity due inside the Payment Due Date. “Insurance Company” means insurance company as may be decided by BRAC Bank Limited, once in a while.

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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 might 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 proof of the acceptance by the Cardholder of the entries proven on that Statement of Account.

Use of the Card at any ATM of the Bank or some other financial institution or institution with whom the Bank has an Agreement for the usage of the ATM of the said financial institution or establishment in which case advance will be additional topic to the applicable day by day withdrawal limit of the ATM. BRAC Bank Limited reserves the absolute discretion and liberty to decline or honor the authorization requests on the Card without assigning any cause. In sure cases, topic 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 phrases and circumstances set out herein and/or as may be stipulated by BRAC Bank Limited from time to time, as amended. “Cash Advance” means any quantity obtained by way of the Card, the Card quantity or the PIN or in any manner approved by the Cardholder from the Bank or some other financial institution or financial establishment for debit to the Card Account. “Card” means the Credit Card issued by the BRAC Bank Limited on the premise of utility made by the Cardholder underneath the name of VISA, MasterCard or JCB and likewise consists of Primary, Supplementary/Additional and Replacement/Re-issued Cards.

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The cardholder shall instantly after such recall; return such card cut in halves with CHIP destroyed to the Bank and make full payment of all charges and liabilities to the Bank. The Bank might at any time demand that the Cardholder deposits an undated cheque and/or pledge cash 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 authorized the Bank to insert the date on the said cheque and to current it for fee on the inserted date in opposition to any amount because of the Bank.

The cardholder should purchase Motorbikes with BRAC Bank Credit Card from any Motorbike Partner retailers and convert the transactions into Motorbike installment plan at 16% efficient rate of interest each year. The installment tenure could vary from 6 to 36 months. The cardholder should purchase their desired products from BRAC Bank Flex partners’ shops with BRAC Bank Credit Card Flex facility. The minimum purchase amount to avail Flex facility is TK. three,000 and pays again with straightforward installment at 0% annual interest rate.

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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 bank card invoice. This process would require PIN verification. The Cardholder may choose to not settle the current steadiness in full, by which case the cardholder should pay no much less than ‘Minimum Amount Due’ as decided by the Bank every so often on or before the cost due date.

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The Bank reserves the best to retain the application varieties and documents supplied therewith, together with images, and will not return the same. Lost, stolen or broken 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 by way of their respective Cards past the stated Credit Limit. The Bank could at its absolute discretion concern a Supplementary Card to a person nominated by the Cardholder and accredited by the Bank.

Such instructions can’t be withdrawn /cancelled besides with the written consent of BRAC Bank. Both Local and International (up to $300) e-commerce transaction will routinely be enabled for the credit score cardholders. Cardholder can disable the e-commerce transaction anytime by calling BRAC Bank Call Centre.

In connection with the special discounts/offers made by the respective Merchants, the Bank won’t be held responsible the place any of the Merchants withdraws, cancels, alters, or amends these products/services. In addition, the Bank reserves the proper to vary the benefits obtainable to Cardholders at any time with out prior notice. In reference to the special discounts/offers made by the respective Merchants, the Bank does not hold out any warranty or make any representation of the delivery, quality, design, specs or otherwise set out in respect of these offers. Also, these products/services are topic to availability and will be allocated on a primary come, first server basis.

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“Schedule of Charges” means the listing of costs applicable for the services provided on the Card. These expenses are subject to changes at the sole discretion of BRAC Bank Limited. However, such changes in charges could also be made solely with potential impact giving prior notice of 30 days to the Cardholder. “Electronic Banking Terminal” means any authorized terminal or system in which Card and/or PIN can be utilized. This contains ATM, Point of Sale terminal or e-Commerce via which Card transactions may be performed or any other approved terminal or device related to BRAC Bank digital banking system from time to time.

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