Best Credit Cards in Bangladesh 2026

Looking for the best credit card in Bangladesh in 2026? We compared 15 credit cards from top banks in Bangladesh to help you find the right one for your needs, income, and lifestyle.

This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by Bangladesh Bank.

Quick Comparison: All 15 Credit cards in Bangladesh

Side-by-side comparison of every credit card option in Bangladesh as of June 23, 2026. Tap any name for full details.

Top 15 Credit Cards in Bangladesh (2026)

1. World MasterCard

Bank: ab bank limited

• Interest Rate: 2.00% per month
• Salary/Eligibility: Not Required
• Benefits: Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Lifestyle Privileges, Chip/Pin

AB Bank World MasterCard offers maximum credit limit of BDT 10 lakh, complimentary Balaka Lounge access at Dhaka airport, hotel upgrades and cruise credits. Accepted at 40M+ merchants and 2M+ ATMs wor

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2. PLATINUM CREDIT CARD

Bank: dhaka bank limited

• Interest Rate: 2.00% per month
• Salary/Eligibility: Not Required
• Benefits: Travel Benefits, Lounge Access, Chip/Pin, Supplementary Cards, Internet Banking

Dhaka Bank Platinum Credit Card provides LoungeKey access to 1000+ airport lounges worldwide, up to 45 days interest-free credit, supplementary cards and cash advance up to 50% of limit. Includes Cred

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3. MasterCard Gold International

Bank: dutch bangla bank

• Interest Rate: 2.00% per month
• Salary/Eligibility: Not Required
• Benefits: Shopping Discounts, Travel Benefits, Purchase Protection, Global Acceptance, Chip/Pin, Supplementary Cards

DBBL MasterCard Gold International features DDA chip with Multos security for worldwide use, 100% credit limit cash withdrawal from DBBL ATMs with no fee, lowest 18% p.a. interest rate, up to 50 days

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4. EBL VISA GOLD CREDIT CARD

Bank: eastern bank plc.

• Interest Rate: 2.00% per month
• Salary/Eligibility: Not Required
• Benefits: Shopping Discounts, Purchase Protection, Chip/Pin, Supplementary Cards, Internet Banking

EBL Visa Gold Credit Card offers up to 45 days interest-free period, renewal fee waiver with 24 annual transactions, contactless tap payments up to BDT 5000, two free supplementary cards, and ZIP zero

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5. Visa Debit Card

Bank: jamuna bank limited

• Interest Rate: 2.00% per month
• Salary/Eligibility: Not Required
• Benefits: Purchase Protection, Chip/Pin, Supplementary Cards

Jamuna Bank’s one of the exclusive products is its VISA Debit Card which is smart looking, popular, user friendly and make account holder’s finance easy and simple to handle.

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6. MTB Classic Credit Card

Bank: mutual trust bank limited

• Interest Rate: 2.00% per month
• Salary/Eligibility: Not Required
• Benefits: Shopping Discounts, Travel Benefits, Purchase Protection, Chip/Pin, Supplementary Cards

Mutual Trust Bank Limited (MTB) is a private commercial bank based in Bangladesh.

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7. Mastercard platinum

Bank: prime bank limited

• Interest Rate: 2.00% per month
• Salary/Eligibility: Not Required
• Benefits: Travel Benefits, Lounge Access, Lifestyle Privileges, Chip/Pin, Supplementary Cards

Prime Bank Mastercard Platinum provides complimentary Balaka VIP Lounge access with companion, Priority Pass to 1400+ lounges worldwide, accidental death coverage up to BDT 10 lakh, critical illness b

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8. Cashback Credit Card

Bank: Standard Chartered

• Interest Rate: 3.49% per month
• Salary/Eligibility: Not Required
• Cashback: Enjoy up to 2% cashback* on all your spending
• Rewards: Up to 2% cashback on all spending
• Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Digital Wallet, Entertainment Benefits, Hotel Discounts & Offers

Standard Chartered Pakistan Cashback Mastercard offers 5% cashback on groceries, fuel and electronics with up to PKR 1,000 monthly cashback. Features chip and PIN security, contactless payments, onlin

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9. Corporate Card

Bank: Standard Chartered

• Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Entertainment Benefits, Hotel Discounts & Offers, Lifestyle Privileges

Standard Chartered Pakistan Corporate Card provides streamlined business expense management with detailed transaction reporting, worldwide Visa acceptance at millions of merchants, enhanced security f

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10. Emirates Infinite Credit Card

Bank: Standard Chartered

• Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Entertainment Benefits, Hotel Discounts & Offers

Embrace the world of Infinite possibilities and bespoke privileges when you travel with your Emirates Visa Infinite Card.

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11. Emirates Platinum Credit Card

Bank: Standard Chartered

• Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Entertainment Benefits, Hotel Discounts & Offers

Platinum Credit Card not only offers you generous rewards, but also the flexibility to earn Skyward Miles.

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12. Manhattan Rewards+ Credit Card

Bank: Standard Chartered

• Interest Rate: 2.99% per month
• Salary/Eligibility: Not Required
• Rewards: Earn and redeem Rewards Points
• Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet

Standard Chartered Manhattan Rewards+ earns reward points on every purchase with bonus points on groceries and department stores. Features 0% markup on international transactions, installment payment

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13. Master Titanium Credit Card

Bank: Standard Chartered

• Benefits: Lounge Access, Hotel Discounts & Offers

Receive personalized customer service, as well as a host of travel, dining and other dynamic MasterCard benefits.

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14. Master World Credit Card

Bank: Standard Chartered

• Cashback: Book your next vacation on Booking.com and enjoy 10% money back at 1000s of properties locally and around the world.
• Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Entertainment Benefits, Hotel Discounts & Offers, Global Acceptance

Your ultimate travel partner for making everyday unforgettable with exclusive perks and privileges from around the world.

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15. Rewards+ Credit Card

Bank: Standard Chartered

• Salary/Eligibility: 21
• Cashback: Receive S$200 cashback when you activate your physical Rewards+ Credit Card within 30 days of card approval date.
• Rewards: Up to 10x rewards points on foreign currency on overseas retail, dining and travel.Up to 5x rewards points on dining transactions in SGD.
• Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Entertainment Benefits, Hotel Discounts & Offers, Lifestyle Privileges

Get S$200 cashback when you activate your Rewards+ Credit Card. No minimum spend required. T&Cs apply.

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7 Smart Tips Before You Apply

What banks won't put in their marketing — but every smart applicant should know.

1. Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
2. Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
3. Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
4. Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
5. Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
6. Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
7. Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.

Common Mistakes to Avoid

The five most expensive errors people make with credit cards:

1. Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
2. Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
3. Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
4. Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
5. Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.

How to Choose the Right Credit card in Bangladesh

• Annual fees — compare across banks, some offer zero fee for the first year
• Interest rates — lower rates save money if you carry a balance
• Rewards and benefits — match to your spending habits
• Eligibility — salary and documentation requirements vary by bank
• Digital access — mobile app, internet banking, contactless payments
• Customer support — 24/7 helpline, branch network, dispute resolution time
• Regulation — all products listed are from banks regulated by Bangladesh Bank

Frequently Asked Questions: Credit cards in Bangladesh

What is the best credit card in Bangladesh for 2026?

The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare all 15 options on this page.

What credit score do I need for a credit card in Bangladesh?

Most banks in Bangladesh require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.

Can I apply online for a credit card in Bangladesh?

Yes, most major banks in Bangladesh now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.

What documents do I need?

Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.

Are these credit cards regulated and safe?

Yes — all 15 options listed are from banks regulated by Bangladesh Bank. Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.

What are the typical fees in Bangladesh?

Fees vary by tier and bank: classic cards typically BDT 0–1,500/year, gold BDT 1,500–3,000, platinum BDT 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.

Can I get a credit card if I am self-employed in Bangladesh?

Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.

What happens if I default on payments?

Missed payments trigger late fees (typically BDT 500–2,000), a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.

Related Guides for Bangladesh

• All banks in Bangladesh
• Bank branches across Bangladesh
• Credit Cards In Bangladesh 2026
• Personal Loans In Bangladesh 2026
• Savings Accounts In Bangladesh 2026
• Bangladesh EMI calculator
• Bangladesh savings calculator

How We Compare

Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.

Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.

Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.