All American Express Credit Cards
(Updated as of 1
st
April 2024)
Fees & Charges of American Express Credit Card
Particulars
Blue American
Express Credit
Card
American
Express Gold
Credit Card
American
Express
Platinum
Credit Card
American
Express
Gold FC
Credit Card
American
Express
Platinum FC
Credit Card
The Agora
American
Express Card
issued by City
Bank
The University
of Dhaka
American
Express Card
City Alo
American
Express Credit
Card
Biman
Bangladesh
American
Express Card
issued by City
Bank
Annual Fee
1
BDT 2,500
BDT 5,000
BDT 25,000
USD 65
USD 325
BDT 3,000
-
BDT 3,000
BDT 4,000
Supplementary Card Annual
Fee
2
BDT 1,250
BDT 2,500
BDT 12,500
N/A
N/A
BDT 1,500
BDT 1000
BDT 1,500
BDT 2,000
Card Replacement Fee
BDT 500
BDT 750
BDT 1,000
USD 10
USD 15
BDT 600
BDT 500
BDT 600
BDT 750
Captured Card Replacement
Fee
BDT 250
BDT 300
BDT 350
USD 5
USD 5
BDT 250
BDT 250
BDT 250
BDT 300
Late Payment Charge
BDT 600
BDT 850
BDT 1000
USD 15
USD 20
BDT 700
BDT 600
BDT 700
BDT 850
Cash Advance Fee (Local)
3
BDT 150 or 2.5%
BDT 150 or
2.5%
BDT 150 or
2.5%
N/A
N/A
BDT 150 or
2.5%
BDT 150 or
2.5%
BDT 150 or
2.5%
BDT 150 or
2.5%
Cash Advance Fee
(International)
4
USD 4 or 2.5%
USD 4 or 2.5%
USD 4 or 2.5%
USD 4 or
2.5%
USD 4 or 2.5%
USD 4 or 2.5%
USD 4 or 2.5%
USD 4 or 2.5%
USD 4 or 2.5%
Over Limit Charge
BDT 1000
BDT 1500
BDT 1500
USD 25
USD 25
BDT 1000
BDT 1000
BDT 1000
BDT 1500
Monthly Interest Rate
(Purchase & Cash Advance)
5
1.67%
1.67%
1.67%
1.67%
1.67%
1.67%
1.67%
1.67%
1.67%
EMI Interest Rate (Monthly)
0.92%
0.92%
0.92%
N/A
N/A
0.92%
0.92%
0.92%
0.92%
Statement Retrieval Fee Per
Statement
BDT 100
BDT 100
BDT 100
USD 2
USD 2
BDT 100
BDT 100
BDT 100
BDT 100
Cash Advance Limit
50% of Credit
Limit
50% of Credit
Limit
50% of Credit
Limit
50% of Credit
Limit
50% of Credit
Limit
50% of Credit
Limit
50% of Credit
Limit
50% of Credit
Limit
50% of Credit
Limit
Out of Town Cheque
Collection Fee
BDT 100
BDT 100
BDT 100
N/A
N/A
BDT 100
BDT 100
BDT 100
BDT 100
Markup
6
3%
3%
3%
3%
3%
3%
3%
3%
3%
City Shield Coverage Fee
7
0.40%
0.40%
0.40%
0.40%
0.40%
0.40%
0.40%
0.40%
0.40%
Balance Transfer Fee
1%
1%
1%
N/A
N/A
1%
1%
1%
1%
Monthly Balance Transfer
Interest Rate
0.92%
0.92%
0.92%
N/A
N/A
0.92%
0.92%
0.92%
0.92%
Certificate Fee
BDT 300
BDT 300
BDT 300
USD 3
USD 3
BDT 300
BDT 300
BDT 300
BDT 300
CIB Fee
BDT 100
BDT 100
BDT 100
USD 1.2
USD 1.2
BDT 100
BDT 100
BDT 100
BDT 100
SMS Notification Fee
8
Primary & Supplementary
BDT 300 &
BDT 200
BDT 300 &
BDT 200
BDT 300 &
BDT 200
USD 3
USD 3
BDT 300 &
BDT 200
BDT 300 &
BDT 200
BDT 300 &
BDT 200
BDT 300 &
BDT 200
Minimum Due for Monthly
Repayment
9
BDT 500 or 3%
whichever is
higher
BDT 500 or 3%
whichever is
higher
BDT 500 or 3%
whichever is
higher
USD 50 or 3%
whichever is
higher
USD 50 or 3%
whichever is
higher
BDT 500 or 3%
whichever is
higher
BDT 500 or 3%
whichever is
higher
BDT 500 or 3%
whichever is
higher
BDT 500 or 3%
whichever is
higher
Priority Pass Lounge Visit Bill
(Per Visit Per Person)
10
N/A
USD 32
USD 32
USD 32
USD 32
N/A
N/A
N/A
USD 32
Updated till 1
st
April 2024
Local and Dual Blue American Express Credit Card will now be considered as Global Blue American Express Credit Card
Revised annual and supplementary fee of Global Blue American Express Credit Card will be effective from 4
th
April 2024
Revised Fees & Charges (fee for Fund Loading to MFS/Digital Wallet – add money) will be effective from 1
st
May 2024
* 15% VAT will be charged as applicable
* Balance Inquiry/ Mini Statement Fee BDT 5.00 (Inclusive of VAT) will be Applicable for all ATMs other than City Bank ATMs & Q-Cash network ATMs
* Flat interest rate will be used to calculate the interest payable for EMIs
* Compound interest will be charged on all applicable interest.
* Maximum interest free period 45 days & minimum 15 days. Interest will not be charged, if you have paid the full amount of your previous month’s outstanding within due date. If you opt to
pay partial or minimum payment, the interest on your retail transactions and fees will be calculated from the following day of your last payment due date.
* Interest charges are imposed both on the OUTSTANDING RETAIL TRANSACTION BALANCE & FEES that is not paid within the PAYMENT DUE DATE. Interest will be calculated from the
following day of your last payment due date until full payment.
1. Will be applicable for the issued cards. Annual fee is imposed once the card is activated. Annual fee for existing City Bank Credit Cardmember will be BDT 2,000 for The Agora American
Express Card issued by City Bank. The University of Dhaka American Express Card issued by City Bank, there will be no annual fee for the University of Dhaka faculties and executives.
A BDT 1,500 charge will be applicable for all the University of Dhaka alumni
Priority Pass Replacement
Fee
11
N/A
BDT 1,000
BDT 1,000
USD 15
USD 15
N/A
N/A
N/A
BDT 1,000
International Lounge Access
Fee
12
N/A
BDT 2000
(Adult)
BDT 1000
(child)
BDT 2000
(Adult)
BDT 1000
(child)
USD 25
(Adult)
USD 15
(Child)
BDT 2000 or
USD 25 (Adult)
BDT 1000 or
USD 15 (Child)
N/A
N/A
BDT 2000
(Adult)
BDT 1000
(child)
BDT 2000
(Adult)
BDT 1000
(child)
Domestic Lounge Access Fee
13
N/A
BDT 700
(Adult)
BDT 300 (child)
BDT 700
(Adult)
BDT 300
(child)
BDT 700
(Adult)
BDT 300
(child)
BDT 700 (Adult)
BDT 300 (child)
N/A
N/A
N/A
BDT 700
(Adult)
BDT 300
(child)
Legal Notice Fee
BDT 250
BDT 250
BDT 250
USD 4
USD 4
BDT 250
BDT 250
BDT 250
BDT 250
EMI Early Settlement Fee
0.5% of the
remaining
balance
0.5% of the
remaining
balance
0.5% of the
remaining
balance
N/A
N/A
0.5% of the
remaining
balance
0.5% of the
remaining
balance
0.5% of the
remaining
balance
0.5% of the
remaining
balance
PIN Re-generation Fee
BDT 500
BDT 500
BDT 500
USD 7
USD 7
BDT 500
BDT 500
BDT 500
BDT 500
Processing fee for fund
transfer from Citytouch to
CASA and MFS Wallet
BDT 100 or 2%
whichever is
higher
BDT 100 or 2%
whichever is
higher
BDT 100 or 2%
whichever is
higher
N/A
N/A
BDT 100 or 2%
whichever is
higher
BDT 100 or 2%
whichever is
higher
BDT 100 or 2%
whichever is
higher
BDT 100 or 2%
whichever is
higher
Auto Limit Enhancement
Processing Fee
BDT 300
BDT 300
BDT 300
N/A
N/A
BDT 300
BDT 300
BDT 300
BDT 300
Fee for Fund Loading to
MFS/Digital Wallet (Add
Money)
1%
1%
1%
N/A
N/A
1%
1%
1%
1%
2. For all American Express credit card (except Platinum Card), 1
st
supplementary card is free. For American Express Platinum Credit card, 1
st
two Supplementary cards are free. The
mentioned charge is applicable for any further supplementary cards
3. Per transaction BDT 150 or 2.5% whichever is higher
4. Per transaction USD 4 or 2.5% whichever is higher
5. Interest charges are imposed on the outstanding cash advance balance from the transaction date until full payment. If the total bill as per previous statement is not paid within
payment due date, Interest charges on the retail transactions and fees will be imposed from the following day of last payment due date until full payment.
6. 3% additional markup will be added at the time of settlement of any international transaction except USD and will be reflected on the monthly billing statement
7. Facility not valid for 2 months’ overdue card accounts. Cardmembers will be charged 0.40% City Shield Coverage Fee of total card outstanding on a monthly basis on the months’
end outstanding balance
8. Transaction Alert Service will be provided to all City Bank American Express Cardmembers and charges for SMS notifications will be applicable for both Primary & Supplementary
Cards separately
9. On closing balance
10. Lounge visit is complimentary for Platinum Primary Cardmember. The bill is applicable for all other Cardmembers and any accompanying guest
11. One Platinum Supplementary Cardmember will enjoy complimentary Priority Pass
12-13. Access fee for guest(s) per person (i.e. Except for Gold Primary: one companion and up to 2 children below 12 years & Gold Supplementary: him/herself with up to 2 children below 12
years at the City Bank American Express International & Domestic lounge in Hazrat Shahjalal International Airport up to 10 times visit a year. (5 times max. in each lounge) Platinum Primary: 3
companions Adult/Child & Platinum Supplementary: 2 companions Adult/Child) at the City Bank American Express Platinum & Domestic lounge in Hazrat Shahjalal International Airport get
unlimited visits. City Alo American Express Cardmembers will get 50% off on regular lounge access fees up to 5 times visit a year. Regular Lounge visit fee will be applicable from 6th visit
onwards. Only Dhaka University Faculties and staffs will get access up to 10 times visit a year with DU Amex cards (5 times max. in each lounge). Biman American Express Cardmembers will get
access up to 6 times visit a year with one companion and up to 2 children below 12 years for International & Domestic lounge (3 times max. in each lounge)
Clearing Cheque Processing Fee:
Cheque Amount
Fee Amount
(Inclusive of VAT)
Less than BDT 50,000
Nil
BDT 50,000 to less than BDT 500,000
BDT 10.00
BDT 500,000 and above – Normal Clearing
BDT 25.00
BDT 500,000 and above – Same Day Clearing
BDT 60.00
*Excise Duty will be applicable for both debit or credit balances.
* To calculate the highest balance in a single day, day end balance will be considered and in case of both debit balance and credit balance, system will net off the credit balance with the debit
balance.
Card Cheque- Fees & Charges:
Particulars
Amount/Rate*
Cheque Book Issuance Fee
First Cheque Book (10 leaves)
Free
Second one and onwards (10 leaves)
BDT 250
Card Cheque Processing Fee
BDT 200 or 2%
Card Cheque Return Fee (for insufficient limit only)
BDT 500
Government Excise Duty on Credit Card*
Credit card balance
Amount
BDT 1 to BDT 100,000
Nil
BDT 100,001 to BDT 500,000
BDT 150
BDT 500,001 to BDT 10,00,000
BDT 500
BDT 10,00,001 to BDT 1,00,00,000
BDT 3,000
Stop Payment on Clearing Cheque
BDT 200 per Cheque
Stop Payment on entire Cheque Book
BDT 300
*15% VAT will be charged as applicable
