UCB Mastercard World Credit Card Features Services in Bangladesh

Mastercard World Credit Card is an exclusive premium credit card offered by United Commercial Bank PLC (UCB) in Bangladesh, designed for affluent customers seeking enhanced financial flexibility, international payment convenience and luxury lifestyle privileges. Powered by the global Mastercard payment network, the card features dual-currency functionality, EMV chip technology and contactless payment facilities for eligible domestic and international transactions, subject to applicable foreign exchange regulations. It is particularly suitable for frequent international travellers and customers who appreciate premium hospitality, exclusive dining experiences and enhanced travel benefits.

One of the most attractive features of the UCB Mastercard World Credit Card is its access to more than 1,400 airport lounges worldwide, with 10 complimentary lounge visits per year. This benefit provides additional comfort and convenience for international travellers. Cardholders can also enjoy complimentary Meet & Greet services for up to four persons at Hazrat Shahjalal International Airport (HSIA) in Dhaka, without an annual visit limit. Furthermore, the card offers buy-one-get-one-free buffet dining privileges at selected five-star hotels in Bangladesh, including The Westin Dhaka, Sheraton Dhaka, Le Méridien Dhaka, InterContinental Dhaka and Radisson Blu hotels.

The card provides additional financial and lifestyle benefits, including 1% cashback on eligible international hotel and dining transactions, with a maximum annual cashback of USD 50.00 per card. Cardholders can also receive an exclusive annual gift voucher worth BDT 5,000.00 upon completing eligible transactions totalling BDT 3,00,000.00 within the applicable annual period. Other facilities include global merchant acceptance, secure online payments, contactless transactions and supplementary card facilities. The card supports convenient payments for shopping, dining, hotel reservations and other eligible purchases in Bangladesh and abroad.

The UCB Mastercard World Credit Card offers an unsecured global credit limit ranging from BDT 6,00,000.00 to BDT 20,00,000.00, while secured credit facilities may extend up to BDT 40,00,000.00, subject to the bank's eligibility assessment and approval. Two supplementary cards are available free for a lifetime. Combining international airport lounge privileges, premium hotel dining offers, overseas cashback and exclusive annual rewards, this card provides an extensive collection of financial and lifestyle benefits for eligible premium banking customers in Bangladesh.

Special Features

• 1% cash back on international transactions at hotel and dining. Yearly maximum USD 50.00 per card.
• Exclusive yearly gift voucher of BDT 5000.00 upon yearly transaction threshold of BDT 3,00,000.00 only^*.
• Access to 1400+ airport lounges around the world with 10 free entries per year.

Other Features

• Dual currency EMV-compliant contactless card.
• Life time Free 2 supplementary cards.
• Unsecured credit limit from BDT 6,00,000.00 to BDT 20,00,000.00. Secured credit limit up to BDT 40,00,000.00.
• Complimentary BOGO deals at most major 5 Star chain Hotels. Enjoy the finest dining with your companion paying for only one at selected premier hotels in Bangladesh.
• Free Meet & Greet service for up to 4 persons at HSIA (no maximum limit per year).
• Free add money to upay mobile wallet.
• One reward point on regular shopping and double reward points on grocery shopping for each BDT 50.00/ USD 1.00 value transaction. Cardholder can waive annual fees or buy products at selected merchants by redeeming reward points.
• Annual fee waiver by redemption of 12000 reward points from second year and onward.
• EMI facility up to 24 months @ 0% interest at 450+ leading merchants.
• Convert any PoS/E-commerce transactions of BDT 10,000.00 or above into flat 11% EMI.
• Maximum 45 days interest-free period.
• Complimentary access to UCB Imperial Airport Lounge:
  • At International Lounge: Basic cardholder + 3 guests.
  • At Domestic Lounge: Basic cardholder + 3 guests.
  • Supplementary cardholders will have free access only for themselves.
• Up to 50% cash withdrawal at any ATM and 95% cash withdrawal by cheque.
• Minimum payment option: BDT 500.00, USD 25.00, or 3% of the outstanding amount, whichever is higher.
• Fabulous discounts at dining, travel, shopping and entertainment merchants throughout the year.
• Transaction alert for all approved & declined transactions.
• Free 5 page cheque book.
• Insurance scheme with coverage up to 400% of outstanding in case of death and up to BDT 3,00,000.00 insurance coverage for 18 Critical diseases (enrolment in insurance scheme is required).
• Online transaction through UCB Card is 3D secured. A one-time password (OTP) for each online transaction provides extra level of security.
• Multiple options for credit card bill payment (Cash payment, UCB/other Bank Cheque, UCB One App, Fund transfer, UCB ATM, BEFTN, NPSB, upay, bKash, Nagad, etc.).
• Free internet banking facility (UCB One).

* Note: Special campaign spending (if any) will be excluded for considering eligibility.

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.