Get a Waiver
Annual Fee
Waiver of annual fee by 18 transactions *
Max Limit
BDT 99,999
BDT 25,000 to BDT 99,999
Supplementary Cards
1 Free Supplementary
for your loved one
Smart Transfer
Up to 50% Credit
in any Bank Account
Use Dual Currency
$12,000
Maximum Usage limit
Earn
1 reward point
on every BDT 100 worth retail transaction
Enjoy Nationwide
Up to 60% Discount
in Our Partner Merchant Outlet
Enjoy
0% SMART EMI
facility for up to 36 months at selected merchants
Enjoy
Safety ONE
Insurance Coverage
Classic Credit Card Features and Benefits
Maximum Limit
| Type | Limit |
|---|---|
| Unsecured | BDT 25,000 to BDT 99,999 or equivalent USD. |
Annual/Renewal Fee
| Fee Type | Amount |
| Unsecured | BDT 1,500 + 15% Vat |
| Secured | BDT 1,000 + 15% Vat |
*Can be Waived by 18 Transactions every year
Renewal Fee Waiver
OBPLC Cardholders enjoy Waiver of Annual Fee by completing 18 successful transactions throughout the year (Minimum Transaction Amount BDT 500 or USD 5. This offers automatic savings while using the OBPLC Credit Card.
Interest-Free Period
- Enjoy a maximum of 45 days of interest-free credit on purchases.
- Applicable to POS and e-commerce transactions.
0% SmartEMI
Repay retail purchases in installments with the following benefits:
| Tenure Options (Months) | Interest Rate | Processing Fee |
| 3, 6, 9, 12, 18, 24, 36 | 0% | 0% (Selective OBPLC SmartEMI merchants) |
Smart Transfer
Cardholders can transfer up to 50% of their available credit limit to a bank account:
- Processing Fee: 1.5% + VAT.
- Channels: Direct transfer to OBPLC or any other account through BEFTN.
Transaction Notification
- Receive SMS notifications on every transaction. Monthly e-statements provide detailed purchase records to aid in money management.
Safety ONE Insurance Coverage
| Event | Benefits |
| Normal Death (ND) | 100% of the outstanding amount + 100% additional = 200% |
| Accidental Death (AD) | 100% of the outstanding amount + BDT 100,000/- |
| Permanent Total Disability (PTD) | 100% of the outstanding amount + 100% additional = 200% |
24-Hour Contact Center
-
For assistance:
- Local Call: 16269 (mobile), 09666716269 (BTCL/landline).
- Overseas Call: +880 9666716269.
Cash Advance
| Region | Limit |
| Local | Withdraw up to 50% of the local credit limit from VISA, NPSB, and Q-Cash ATMs across Bangladesh. |
| International | Withdraw up to 50% of the international credit limit from any VISA-accepted ATM worldwide. |
E-Mail Service
Receive monthly e-statements via email for easy tracking and management.
Great Discounts
Enjoy discounts at hundreds of partner shops, restaurants, travel agencies and hospitals when using your OBPLC card.
Convenient Payment Options
Payments can be made through:
- Any OBPLC Branch.
- Auto Debit Facility from OBPLC Account.
- Internet Banking or OBPLC ONE App.
Reward Points Redemption
| Criteria | Details. |
| Points Accumulation | 1 point for every BDT 100/USD 1 spent. |
| Minimum Points for Redemption | 4000 points. |
| Conversion Rate | 4 points = BDT 1. |
| Redemption Channels | Branch, Contact Center, and Card Center. |
Required Documents
Eligibility
- Bangladeshi Nationality.
- Age range: Minimum: 18 year to 65 year.
Basic Required Documents (for all applicants)
– Applicant’s National ID (Mandatory).
– 2 recent studio photographs signed by the applicant and verified by the source .
– TIN Certificate & Updated Tax Return Copy.
– CIB Inquiry & Undertaking Form.
Additional Documents for Salaried Person
– Last 3 Month’s Pay Slip or Latest Salary Certificate.
– Last 6 months Bank Statement with 6 salary reflections.
– Copy of Office ID or Visiting Card.
Additional Documents for Landlord/Landlady
– Land Ownership Documents (e.g., Utility Bill Copy).
– Rent Agreement.
– Rent Receipt (if any).
– Last 6 months Bank Statement.
Additional Documents for Self-Employed / Professional Group
– Latest TL / TL & Partnership Deed / MOA / Professional’s Certificate.
– Last 6 months Bank Statement.
Additional Documents (if applicable)
– Resident Ownership Document (e.g., Utility Bill Copy, Holding Tax Copy, etc.) if the applicant resides in an owned or family-owned house.
– Other income-related documents (if any).