Fees & Charges of American Express Credit Cards

Particulars American Express Credit Card (Local) American Express Credit Card (Dual) American Express Gold Credit Card American Express Platinum Credit Card American Express Gold FC Credit Card American Express Platinum FC Credit Card
Annual Fee1 BDT 1,500 BDT 2,000 BDT 5,000 BDT 25,000 USD 65 USD 325
Supplementary Card Annual Fee2 BDT 750 BDT 1,000 BDT 2,500 BDT 12,500 N/A N/A
Card Replacement Fee BDT 300 BDT 500 BDT 750 BDT 1,000 USD 10 USD 15
Captured Card Replacement Fee BDT 200 BDT 250 BDT 300 BDT 350 USD 5 USD 5
Late Payment Charge BDT 200 BDT 300 or USD 10 BDT 500 or USD 10 BDT 750 or USD 15 USD 10 USD 15
Cash Advance Fee (Local) 3 BDT 100 or 2% BDT 100 or 2% BDT 100 or 2% BDT 100 or 2% N/A N/A
Cash Advance Fee (International)4 N/A USD 3 or 2% USD 3 or 2% USD 3 or 2% USD 3 or 2% USD 3 or 2%
Over Limit Charge BDT 300 BDT 500 or USD 15 BDT 750 or USD 15 BDT 1000 or USD 20 USD 15 USD 20
Monthly Interest Rate (Purchase & Cash Advance) 3% 3% 3% 2.75% 3% 2.75%
EMI Interest Rate (Monthly) 2% 2% 2% 1.67% N/A N/A
Statement Retrieval Fee Per Statement BDT 100 BDT 100 BDT 100 BDT 100 USD 2 USD 2
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
Out of Town Cheque Collection Fee BDT 100 BDT 100 BDT 100 BDT 100 N/A N/A
Cheque Return Fee BDT 50 BDT 50 BDT 50 BDT 50 N/A N/A
Markup N/A 2% 2% 2% 2% 2%
City Shield Insurance Premium5 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
Balance Transfer Fee 1% 1% 1% 1% N/A N/A
Monthly Balance Transfer Interest Rate 1.83% 1.83% 1.83% 1.83% N/A N/A
Certificate Fee BDT 100 BDT 100 BDT 100 BDT 100 USD 2 USD 2
CIB Fee BDT 150 BDT 150 BDT 150 BDT 150 USD 2 USD 2
SMS Notification Fee BDT 200 BDT 200 BDT 200 BDT 200 USD 3 USD 3
Minimum Due for Monthly Repayment6 BDT 500 or 5% whichever is higher BDT 500 or USD 50 or 5% whichever is higher BDT 500 or USD 50 or 5% whichever is higher BDT 500 or USD 50 or 5% whichever is higher USD 50 or 5% whichever is higher USD 50 or 5% whichever is higher
Priority Pass Membership Card Replacement Fee N/A N/A N/A BDT 1,000 N/A USD 15
Priority Pass Lounge Visit Bill (Per Visit Per Guest)7 N/A N/A N/A USD 27 N/A USD 27
International Lounge Access Fee 8 N/A N/A BDT 1,500 (Adult)
BDT 700 (child)
BDT 1,500 (Adult)
BDT 700 (child)
USD 20 (Adult)
USD 10 (Child)
USD 20 (Adult)
USD 10 (Child)
Domestic Lounge Access Fee9 N/A 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)

* 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

1. Will be applicable for the issued cards
2. For American Express Credit card and American Express Gold Credit card, One supplementary card is free. For American Express Platinum Credit card, Two Supplementary cards are free. The mentioned charge is applicable for any further supplementary cards
3. Per transaction BDT 100 or 2% whichever is higher
4. Per transaction USD 3 or 2% whichever is higher
5. Facility not valid for 2 months overdue card accounts. Cardmembers will be charged 0.30% of total card outstanding on a monthly basis on the month’s end outstanding balance
6. On closing balance
7. Lounge visit is complimentary for primary Cardmember. The bill is applicable for any accompanying guest
8. Access fee for guest(s) per person (i.e. in addition to primary Cardmember with a companion and up to 2 children below 12) at the American Express International lounge in Hazrat Shahjalal International Airport
9. Access fee for guest(s) person (i.e. in addition to primary Cardmember with a companion and up to 2 children below 12) at the American Express domestic lounge in Hazrat Shahjalal International Airport (Domestic Terminal)

Card Cheque- Fees & Charges:

Particulars Amount/Rate*
Cheque Book Issuance Fee First Cheque Book (10 Leaves) Free
Second one and onwards (10 leaves) BDT 200
Card Cheque Processing Fee 1.50%
Card Cheque Return Fee (for insufficient limit only) BDT 500
Stop Payment on Clearing Cheque BDT 200 per Cheque
Stop Payment on entire Cheque Book BDT 300

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

* 15% VAT is applicable for all charges