Credit Card Gold

• Annual/Renewal Fee of Unsecured Card is BDT 2,500 and Secured Card is BDT 1,250
• Minimum credit limit is BDT 50,000
• Card Fee waiver facility through 12 transactions from next year

Don't want to pay your Credit Card's issuance fee?
Just achieve your spending target within the first six months of receiving your Card, and you'll receive a full refund of the fee you paid.

Spend Target: BDT 40,000

Eligible Transactions:

• POS and E-commerce (BDT & USD)

Excluded Transactions:

• All types of cash withdrawal
• Card Cheque & Fund Transfer
• Add Money/Wallet loading
• InstaCredit EMI

*Conditions apply

• Complimentary 1st and 2nd Supplementary Cards
• From 3rd onwards, BDT 800 fee is applicable

Lounge Benefits

• Gold Credit Cardholders can enjoy maximum 2 free visits at Balaka Executive Lounge at Hazrat Shahjalal International Airport (HSIA), Dhaka in a calendar year.
• Lounge visit fee will be applicable from 3rd visit onwards
• Additional guest will incur cost for the Cardholder
• Lounge access is applicable for departure time only

• Privilege Points Reward Program is a comprehensive loyalty program designed to reward you for your spending with your NCC Bank Credit Card. You will earn Privilege Points on all your POS & Online transactions locally and internationally
• Your accumulated points can be used to waive the renewal fees and pay outstanding bills on your Credit Card
• You are automatically enrolled in this loyalty program & the enrolment is absolutely free

How do you earn Privilege Points?

• Earn 1 Privilege Point for every BDT 50 or USD 1 POS and online spent

• Earn 5X Privilege Points for grocery shopping at leading Superstores

SL.	Merchant Names
1	Agora
2	Amana Big Bazar
3	Daily Shopping
4	Lavender
5	Meena Bazar
6	Shwapno
7	Unimart
8	Wholesale Club Limited

Note: Offer is applicable on BDT POS & Online transactions.

Where do you not earn Privilege Points?

• Cash Withdrawal
• Purchase at Fuel Station
• Fund Transfer
• Add Money/Wallet Loading
• Card Cheque
• EMI Programs
• Any kind of Fees/Charges & VAT that may be applicable on the Card and levied by the Bank from time to time.

How do you redeem Privilege Points?

• Waive your Card Fee at a value of BDT 0.40 Per Point
• Pay your Card outstanding at a value of BDT 0.25 Per Point

Note: Privilege points accumulated but not used within a subsequent period of 24 months from the earn date will expire every subsequent month.

• NCC Bank Risk Assurance Program (RAP) is an invaluable insurance benefit provided under the umbrella of MetLife. This benefit covers the Card dues against the loss of life, physical disability, or certain critical diseases for a nominal monthly charge - Insurance Premium subject to the terms & conditions
• Cardholder will be automatically enrolled in RAP after he/she has been issued a Credit Card. To disenroll, Cardholder needs to call our 24/7 Contact Centre
• Cardholders can remain enrolled in RAP till 64 years, after which this feature will automatically be cancelled.

Types of Insurance Coverage

• Credit Life (CL): Insurance coverage will be provided on normal death of the insured Cardholders
• Permanent Total Disability (PTD): Insurance coverage will be provided on physical disability of the insured Cardholders from any injury, sickness or disease so as to prevent the person to work for the rest of his/her lifetime
• Accidental Death (AD): Insurance coverage will be provided on unnatural death of the insured Cardholders. For example, death caused by accident, traffic collision etc
• Critical Illnesses (CI): Insurance coverage will be provided on severe illness of the insured Cardholders such as cancer, kidney failure, coma etc. List is given below

1. Major Cancers 2. Stroke 3. First Heart Attack 4. Coronary Artery Surgery 5. Serious Coronary Artery Disease 6. Heart Valve 7. Primary Pulmonary Hypertension

8. End-Stage Lung Disease 9. End-Stage Liver Disease 10. Fulminant Hepatitis 11. Kidney Failure 12. Coma 13. Aplastic Anemia 14. Major Organ/ Bone Marrow Transplantation

The following table illustrates incidents and insurance coverage associated with different credit card products:

Types of Incidents	Insurance Coverage
Credit Life (Normal Death)	200% of the outstanding balance; Max. BDT 20,00,000
Accidental Death	400% of the outstanding balance; Max. BDT 40,00,000
Permanent Total Disability	200% of the outstanding balance; Max. BDT 20,00,000
Critical Illness	50% of outstanding balance of previous month; Max. BDT 500,000

0% Interest SmartPay EMI Program

You can make any purchase from more than hundreds of partner merchants and pay back the amount over a tenor ranging from 3 months to 36 months without any interest.

Rate Based EMI Programs

• InstaCredit: It allows the Cardholders to avail loan facility against their unused credit limit at only 7% or 9% p.a. flat interest rate. Maximum tenor is 36 months and amount is 50% of the available credit limit
• EasyBuy: It's a facility to convert your any retail purchase including fund transfer & card cheque into EMI at only 7% or 9% p.a. flat interest rate. Maximum tenor is 36 months
• No Burden Outstanding: This flexible EMI scheme offers the facility to convert your monthly total bill into EMI at only 9% or 10% p.a. flat interest rate. Maximum tenor is 36 months

Just call our 24-hour Contact Centre at 16315 or visit any NCC Bank branch to place the request

• NFC enabled chip based EMV Card
• Dual Currency Card
• Card Cheque
• Fund Transfer
• 24-hour dedicated Customer Service Center
• E-Statements
• Transaction Alert Service
• No hidden charge

You can pay any amount ranging from minimum amount due (3% or BDT 500/$10) to total amount due and you have following Payment Option

• Cash Payment at Branch
• Payment through Cheque
• Auto Debit Facility from NCC Bank Account
• Payment through NCC Bank Internet Banking
• Payment through NPSB & BEFTN
• Bill Payment through MFS Wallet
• Bill Payment through Visa Direct
• Bill Payment through ATM Fund Transfer./li>

For Salaried Person

• Latest Salary Certificate/Last 3 Months Pay Slip
• Latest income tax return certificate/acknowledgement receipt
• E-Tin Certificate Copy
• Valid Passport Copy
• Office ID Card Copy
• Bank Statement Last 3 Months
• Business Card
• 2 Copy LAB Print Photo
• NID Photocopy

For Business Person

• Trade License Or Partnership Deed Copy (For Partnership Concern) or MOA + ARTICLE 10 & 12 (For Limited Company)
• Latest income tax return certificate/ acknowledgement receipt
• E-Tin Certificate Copy
• Valid Passport Copy
• Bank Statement Last 12 Months
• Business Card
• 2 Copy LAB Print Photo
• NID Photocopy