How to Use This Comparison Tool

Finding the right credit card is simple with our tool. Follow these four easy steps to discover the best option for your wallet in Bangladesh:

  1. Select a Bank: Use the 'Bank' dropdown to see cards from a specific bank like City Bank or Standard Chartered, or leave it as 'All Banks' to compare every option.
  2. Choose Card Type: Filter by your primary need. Choose 'Cashback' for everyday savings, 'Travel' for points and lounge access, or 'No Annual Fee' for a budget-friendly option.
  3. Filter by Perks: If a specific benefit is a must-have, like airport 'Lounge Access', select it from the 'Perks' dropdown to instantly narrow down the results.
  4. Sort and Compare: Use the 'Sort By' filter to arrange cards by the lowest annual fee or interest rate. Review the key rewards and perks on each card to find your perfect match and click 'View Details' to learn more.

How to Choose the Best Credit Card in Bangladesh

Choosing the right credit card can unlock a world of benefits, from saving money on daily purchases to making travel more comfortable. However, with so many options available from banks like EBL, BRAC, and City Bank, it's easy to get overwhelmed. Our comparison engine is designed to simplify this choice. This guide explains the key factors you should consider.

1. Understand the Fee Structure

The most visible cost is the annual fee, a yearly charge for keeping the card. Some cards waive this fee for the first year or if you meet a certain spending threshold (e.g., spend BDT 50,000 in a year). Also, be aware of late payment fees and foreign transaction fees if you plan to use the card abroad.

2. Match Rewards to Your Spending Habits

Rewards are the biggest perk of using a credit card. The best card for you is one that rewards your most common expenses.

  • Cashback Cards: These are straightforward. You get a percentage of your spending back as a statement credit. Ideal for users who want simple, tangible rewards on everyday spending like groceries, fuel, and utility bills in Dhaka.
  • Travel & Rewards Points Cards: These cards reward you with points for every Taka spent, which can be redeemed for flights, hotel stays, or merchandise. They are perfect for frequent travelers, as they often come with perks like complimentary airport lounge access at Hazrat Shahjalal International Airport (DAC).

3. Don't Ignore the Interest Rate (APR)

The Annual Percentage Rate (APR) is the interest charged if you don't pay your balance in full each month. While you should always aim to pay your full balance, a lower APR provides a better safety net for times when you need to carry a balance over.

4. Look for Valuable Perks

Premium credit cards often come with valuable benefits that can outweigh their annual fees. Common perks in Bangladesh include:

  • Airport Lounge Access: Complimentary access to local and international airport lounges.
  • Buy-One-Get-One (BOGO) Offers: Popular at top restaurants and hotels across Dhaka, Chittagong, and other major cities.
  • Insurance Coverage: Complimentary travel insurance and health check-ups.
  • Fuel Surcharge Waiver: Savings on fuel purchases at designated petrol pumps.

Use our comparison engine to filter cards based on the features that matter most to you and find the perfect financial tool for your wallet.

Frequently Asked Questions

What is the minimum income to get a credit card in Bangladesh?

This varies by bank and card type. Generally, entry-level cards require a minimum monthly income of BDT 25,000-30,000 for salaried individuals, while premium cards require a significantly higher income.

Does comparing cards on this site affect my CIBIL score?

No. This is a comparison tool, not a loan application. Browsing and comparing cards here does not generate a credit inquiry and has absolutely no impact on your CIBIL score.

Which bank is best for credit cards in Bangladesh?

The 'best' bank depends on your personal needs. For premium travel perks, City Bank AMEX is very popular. For cashback and rewards on daily spending, Standard Chartered and Eastern Bank Ltd (EBL) offer excellent options. Use our tool to compare them side-by-side.

Can I get a credit card with no annual fee in Bangladesh?

Yes, several banks offer credit cards with no annual fees or with a fee waiver condition (e.g., spending a certain amount per year). You can use the 'Card Type' filter on our tool and select 'No Annual Fee' to see these options.

Disclaimer

Please note that WebLab.Tools is an independent comparison service and is not an affiliate of any bank or financial institution. The information provided is for educational purposes to help you make an informed decision. We do not receive any commission for clicks or applications. All data is gathered from public sources and should be verified on the respective bank's website.