Mastercard Gold Card Features in Bangladesh

UCB Mastercard Gold Credit Card is a premium credit card offered by United Commercial Bank PLC (UCB) in Bangladesh, designed to provide customers with convenient payment facilities, flexible purchasing power and attractive lifestyle privileges. Powered by the Mastercard global payment network, the card features EMV chip technology, contactless payment functionality and dual-currency support for eligible domestic and international transactions, subject to applicable foreign exchange regulations and bank policies. It offers a convenient payment solution for shopping, dining, travel and online purchases.

One of the key benefits of the UCB Mastercard Gold Credit Card is its interest-free credit period of up to 45 days on eligible purchases, provided the full outstanding balance is paid within the payment due date. Customers can also enjoy 0% interest EMI facilities for up to 24 months at more than 450 participating merchants. Additionally, eligible POS and e-commerce transactions of BDT 10,000 or above can be converted into instalments at a flat 11% interest rate, subject to applicable conditions. Cardholders can earn one reward point for every BDT 50 or USD 1 spent on eligible transactions and redeem accumulated points for annual fee waivers or selected merchant products.

Travel privileges are another attractive feature of this card. UCB Mastercard Gold cardholders can enjoy complimentary access to UCB Imperial Airport Lounges, including international lounge access for the primary cardholder and one guest, and domestic lounge access for the primary cardholder. Other benefits include dining, shopping, travel and entertainment discounts, free money transfers to the upay mobile wallet, transaction alerts and secure online payments through 3D Secure authentication. The card also provides access to UCB One internet banking and multiple credit card bill payment channels.

The UCB Mastercard Gold Credit Card offers an unsecured global credit limit ranging from BDT 50,000 to BDT 1,49,000, subject to the bank's assessment and approval. The first supplementary card is lifetime free, and the annual fee can be waived by completing 18 eligible POS or e-commerce transactions during the applicable period. Overall, it combines international payment convenience, reward opportunities, airport lounge privileges and flexible credit facilities for eligible customers in Bangladesh.

Special Features

• EMV-Compliant contactless dual currency card.
• Unlimited Free access to UCB domestic & international Imperial Airport Lounges.
• 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

• Unsecured credit limit from BDT 50,000 to BDT 1,49,000 (global limit).
• Life time free one supplementary card.
• Complimentary access to UCB Imperial Airport Lounge:
  • At International Lounge: Basic cardholder + 1 guest.
  • At Domestic Lounge: Access for basic cardholder only.
  • Supplementary cardholders will have free access only for themselves.
• 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 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 2,00,000 insurance coverage for 18 Critical diseases (enrolment in insurance scheme is required).
• Online transaction through UCB Card is 3D secured. A one-time password for each online transaction provides extra level of security.
• 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.