Mastercard Classic Card Features in Bangladesh

UCB Mastercard Classic Credit Card is an entry-level credit card offered by United Commercial Bank PLC (UCB) in Bangladesh, designed to provide convenient cashless payment facilities, flexible purchasing options and access to the global Mastercard payment network. Featuring EMV chip technology, contactless payment functionality and dual-currency support, the card facilitates eligible domestic and international transactions, subject to applicable foreign exchange regulations and bank policies. It is suitable for everyday shopping, retail purchases and online payments, offering customers a convenient alternative to cash transactions.

One of the key benefits of the UCB Mastercard Classic Credit Card is an interest-free credit period of up to 45 days on eligible purchases, provided the full outstanding balance is paid within the payment due date. Cardholders can also enjoy 0% interest EMI facilities for up to 24 months at more than 450 participating merchants. Eligible POS and e-commerce purchases of BDT 10,000 or above can also be converted into instalments at a flat 11% interest rate, subject to applicable terms and conditions.

The card offers reward points on eligible purchases, with one reward point for every BDT 50 or USD 1 spent. Accumulated points can be redeemed for selected merchant products or annual fee waivers. Other facilities include discounts at participating dining, shopping, travel and entertainment outlets, free add-money transactions to the upay mobile wallet, secure online payments through 3D Secure authentication and transaction alerts for approved and declined transactions. Customers can also access convenient credit card bill payment options through UCB's available banking and digital payment channels.

The UCB Mastercard Classic Credit Card offers an unsecured global credit limit ranging from BDT 20,000 to BDT 49,000, subject to the bank's eligibility assessment and approval. The first supplementary card is lifetime free, while the annual fee can be waived by completing 18 eligible purchase transactions during the applicable period. With practical credit facilities, international Mastercard acceptance and attractive everyday payment benefits, this card provides a convenient credit payment solution for eligible customers in Bangladesh.

Special Features

• Unsecured credit limit from BDT 20,000 to BDT 49,000 (global limit).
• EMV-Compliant contactless dual currency card.
• 0% interest up to 24 months on EMI purchase at 450+ leading merchants.
• Annual fee waiver by 18 PoS/E-commerce transactions.
• Maximum 45 days interest free period.
• Free add money to upay mobile wallet.

Other Features

• Lifetime 100% free 1 supplementary card.
• Up to 50% cash withdrawal at any ATM and 95% cash withdrawal/payment by card cheque.
• 1 Reward Point for each BDT 50/$1 value transaction. Customer will be able to waive annual fees or buy products at selected merchants by redeeming Reward Points.
• Minimum payment option: BDT 500, USD 25, or 3% of the outstanding amount, whichever is higher.
• Fabulous discounts at dining, travel, shopping and entertainment merchants round the year.
• Convert any PoS/E-commerce transactions of BDT 10,000 or above into flat 11% EMI.
• Transaction alert for all approved & declined transactions.
• Free 5 page cheque book.
• Insurance benefits covering up to 400% of outstanding in case of death and up to BDT 1,00,000 insurance coverage for 18 Critical diseases (enrolment in insurance scheme is required).
• Online transaction through UCB Card is 3D secured.
• Internet banking facility (UCB One).
• Multiple options for Credit Card bill payment (Cash, Cheque, UCB One internet banking, ATM, BEFTN, NPSB, upay, Bkash, Nagad etc.).

About United Commercial Bank PLC

United Commercial Bank PLC provides a wide range of modern banking services to individuals, businesses and institutions across Bangladesh. The bank focuses on delivering customer-friendly, technology-based and secure financial solutions to meet the changing needs of society. Its retail banking services include savings accounts, current accounts, fixed deposit schemes, personal loans, home loans, education loans, debit cards, credit cards and remittance facilities. Customers can conveniently access their accounts through ATM booths, internet banking, mobile banking and SMS banking services, allowing fast and secure financial transactions from different locations.

In addition to retail banking, United Commercial Bank PLC offers extensive corporate banking services to support business and industrial development in Bangladesh. These services include trade finance, working capital loans, project financing, treasury operations, export-import financing and cash management services for companies and institutions. The bank also supports entrepreneurs and small businesses through specialized SME banking services, offering financial support and customized loan products to help expand business activities and create employment opportunities.

Furthermore, UCB provides Islamic banking services through selected branches and banking windows that follow Sharia-compliant financial principles. The bank is also actively involved in foreign exchange operations and international remittance services, helping expatriate Bangladeshis send money safely and efficiently to their families. Through digital innovation, efficient customer service and diversified financial products, United Commercial Bank PLC continues to strengthen its position in the banking sector and contributes significantly to economic growth, financial inclusion and sustainable development in Bangladesh.