Meghna Visa Gold Credit Card Features Services in Bangladesh

Meghna Visa Gold Credit Card is designed to provide convenient, secure and flexible payment facilities for everyday purchases, online shopping and travel-related expenses. Accepted locally and internationally, this card allows eligible cardholders to make payments at Visa-supported POS terminals, ATMs and e-commerce platforms, subject to applicable banking and foreign currency regulations. It features an EMV chip and contactless payment technology for added transaction security and convenience. Cardholders can also enjoy lifestyle benefits such as complimentary access to the Balaka Lounge at Hazrat Shahjalal International Airport, Buy One Get One Free dining offers at selected five-star hotels, reward points on eligible purchases and flexible EMI facilities. The card also offers an annual fee waiver facility from the second year, subject to the bank's qualifying conditions. With supplementary card options, digital banking services and multiple bill-payment channels, the Meghna Visa Gold Credit Card combines everyday purchasing convenience with selected lifestyle privileges.

Key Features & Benefits

• Worldwide acceptance: Use the card at Visa-supported POS terminals, ATMs and online payment platforms, subject to applicable regulations.
• Dual-currency facility: Supports local and international transactions after the required passport endorsement and activation of the foreign currency portion.
• Balaka Lounge access: The primary cardholder is eligible for four complimentary visits per calendar year.
• Dining privileges: Buy One Get One Free meal offers at selected five-star hotels, subject to participating outlets and offer terms.
• Meghna 360° Rewards: Earn 1 reward point for every BDT 100.00 spent locally and 2 points for every USD 1 spent internationally on eligible POS and e-commerce transactions. Fuel, mobile wallet top-ups and telecom transactions are excluded.
• Annual fee waiver: First-year annual fee is free. From the second year, the fee may be waived through eligible reward-point redemption or 18 qualifying POS/e-commerce transactions in the preceding year.
• Supplementary card: The first supplementary card is free.
• EMI facilities: SmartPay (0% EMI), EasyLoan (interest-bearing EMI) and SmartLoan (0% EMI with a service charge) are available under applicable terms.
• Add Money: Three free add-money transactions per month, up to a combined BDT 1,50,000.00, with an EMI conversion option.
• Insurance protection: Eligible cardholders receive coverage benefits for death or permanent disability, subject to the policy terms and limits.
• Digital banking: Access transaction history, bill payments, mobile recharge, fund transfers, PIN reset and card-blocking services through Meghna Bank Internet Banking.

Credit Limit

• Minimum: BDT 50,000.00
• Maximum: BDT 2,00,000.00

The approved limit depends on the applicant's income, financial profile and the bank's credit assessment.

Fees & Charges

• Primary card annual fee: BDT 3,000.00
• First-year annual fee: Free
• First supplementary card: Free
• Second and subsequent supplementary cards: BDT 1,500.00 each
• Card replacement fee: BDT 700.00
• PIN replacement through IVR/ Internet Banking: Free
• Domestic ATM cash advance: 2% or BDT 200.00, whichever is higher
• Overseas ATM cash advance: 2% or USD 5.00, whichever is higher
• Late payment charge: BDT 900.00 local/ USD 10.00 international
• Over-limit fee: BDT 1,000.00 local/ USD 12.00 international
• Monthly e-statement: Free
• Duplicate e-statement: BDT 100.00 per month
• Annual SMS/transaction alert fee: BDT 250.00
• Foreign currency conversion fee: 3% for transactions in currencies other than USD
• Card closing fee: BDT 350.00

Annual fee waiver: From the second year, the annual fee may be waived through reward-point redemption or by completing at least 18 eligible POS/e-commerce transactions during the preceding card year. Each qualifying transaction must be at least BDT 1,000.00 or USD 5.00. Mobile wallet add-money transactions do not qualify. The cardholder must request the waiver after the fee is charged.

Transaction & Usage Limits

• Credit limit: BDT 50,000.00 to 2,00,000.00, subject to approval.
• International usage: Available after passport endorsement and activation of the foreign currency portion.
• Annual foreign currency endorsement: Up to USD 12,000.00 per individual cardholder, subject to applicable regulations.
• Balaka Executive Lounge: Four complimentary visits per calendar year for the primary cardholder.
• Mobile wallet add-money: Three free transactions per calendar month, with the bank's stated free facility up to BDT 1,50,000.00; subsequent transactions are subject to applicable charges.
• Minimum payment: 3% of the financial outstanding, plus any overdue, excess and installment amounts.

The bank's public information does not specify a separate fixed daily POS or ATM withdrawal limit for this card. Actual transaction limits may depend on the approved credit limit and bank controls.

Eligibility & Required Documents

Applicants must satisfy Meghna Bank's credit-card eligibility criteria and credit assessment. The bank does not publish a specific minimum monthly income for this card on the referenced product page.

Commonly Required Documents

• Two recent passport-size photographs.
• Valid National ID card or passport.
• TIN certificate issued within the last two years.
• Office ID card or business card.
• Salary certificate, pay slip or Letter of Introduction (for salaried applicants).
• Last six months' bank statements (for salaried applicants).
• Last one year's business or company bank statements (for business applicants).
• Valid trade licence covering the last two years (for business applicants).
• Proof of house ownership, if available.

The bank may request additional documents depending on the applicant's employment, income source and financial profile.

How to Apply

Interested applicants can apply through the following channels:

• Visit the nearest Meghna Bank branch and complete the credit card application form.
• Contact the bank's 24-hour Call Centre at 16735 for application assistance.
• Submit the required identity, income and financial documents.
• The bank will review the application and determine eligibility and the appropriate credit limit.

Important: Fees, limits, benefits and eligibility conditions may change. Applicants should confirm the latest details with Meghna Bank before applying.

About Meghna Bank PLC

Meghna Bank PLC provides a broad range of modern banking services to individuals, businesses and institutions across Bangladesh. The bank is committed to delivering innovative, customer-friendly and technology-based financial solutions that meet the changing needs of customers. Its retail banking services include savings accounts, current accounts, fixed deposit schemes, personal loans, debit cards, credit cards and remittance facilities. Customers can conveniently access their banking services through ATM booths, internet banking, mobile banking, SMS banking and online fund transfer systems, making financial transactions secure and efficient from anywhere in the country.

Apart from retail banking, Meghna Bank offers comprehensive corporate banking services to support business and industrial growth in Bangladesh. These services include trade finance, working capital loans, project financing, treasury operations, export-import financing and cash management solutions for businesses and organizations. The bank also supports entrepreneurs and small businesses through specialized SME banking services, providing loan facilities and financial products designed for small and medium enterprises.

Furthermore, Meghna Bank provides Islamic banking services through selected branches and banking windows that operate according to Sharia principles. The bank also actively participates in foreign exchange operations and international remittance services, helping expatriate Bangladeshis send money safely and quickly to their families. Through advanced technology, efficient customer service and a customer-centered approach, Meghna Bank PLC continues to strengthen its position in Bangladesh's banking sector. Its diversified financial services contribute significantly to financial inclusion, economic growth and the overall development of the country's financial system.