Visa Gold Card Features in Bangladesh

UCB Visa Gold Credit Card is a premium credit card offered by United Commercial Bank PLC (UCB) for customers seeking financial flexibility, convenient cashless payments and exclusive lifestyle privileges in Bangladesh and abroad. Equipped with EMV chip technology, contactless payment facilities and dual-currency functionality, the card supports eligible domestic and international transactions, subject to applicable foreign exchange regulations and bank policies. It is suitable for everyday shopping, dining, travel and online purchases.

One of the attractive features of the UCB Visa Gold Credit Card is its interest-free credit facility of up to 45 days on eligible purchases, provided the outstanding balance is paid in full within the payment due date. Cardholders can also enjoy 0% interest EMI facilities for up to 24 months at participating merchants, making selected purchases more affordable through installments. Additional benefits include reward points on eligible transactions, shopping and dining discounts, and free loading to the upay mobile financial service.

For frequent travellers, the card offers airport lounge privileges, including access to UCB Imperial lounges. Eligible benefits include complimentary international lounge access for the primary cardholder and one guest, while domestic lounge access is available to the primary cardholder. Other facilities include secure online payments with OTP authentication, transaction alerts and supplementary card options, helping customers manage their daily financial activities conveniently.

The UCB Visa Gold Credit Card offers an unsecured credit limit ranging from BDT 50,000 to BDT 1,49,000, 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 POS or e-commerce transactions during the applicable period. Overall, this card combines everyday payment convenience, flexible credit facilities, shopping benefits and travel privileges 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).
• Lifetime 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.
• One 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 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.