ক্রেডিট কার্ড তুলনা ও বার্ষিক ফি ওয়াইভার ক্যালকুলেটর
Credit Card Comparison & Fee Waiver Optimizer — বাংলাদেশের প্রধান ব্যাংকগুলোর প্রিমিয়াম ও ক্লাসিক ক্রেডিট কার্ডের ফিচার, রিওয়ার্ডস, বার্ষিক ফি এবং ৪৫ দিনের সুদমুক্ত গ্রেস পিরিয়ডের হিসাব।
🧮 ক্রেডিট কার্ড অ্যানুয়াল ফি ওয়াইভার ক্যালকুলেটর
Credit Card Fee Waiver & Cost Optimizer
Optimize annual card fee waivers & compound interest charges under Bangladesh Bank regulations
Fee Waiver Optimization Progress
Waiver Threshold Progress:75%
Status:৳ 3,000 Fee Applicable
Remaining Spend Needed:৳ 25,000 (৳ 2,083/mo)
Annualized Cost & NBR Excise Impact
Nominal Annual Interest Rate:30.0%
Effective Compounded Rate (EAR):34.49%
Monthly Finance Charge:৳ 1,250
NBR Excise Duty (SRO 182-AIN/2026):৳ 0
Total Estimated Annual Holding Cost:৳ 18,000
Multi-Product Financial Comparison Matrix
Comparing 22 Bangladesh financial institutions with Shariah & Regulatory Compliance (BRPD & NBR).
🕌 Shariah & Institution Filter:
Showing 19 product offers | Ranked by Organic Net Yield (70%) + Partner Bid (30%)
| Rank & Disclosure ↓ | Institution | Product Name & Shariah | Gross Rate / Fee ↕ | AIT Yield (TIN 10%) ↕ | Non-TIN (15%) | BRPD & Regulatory Tooltip | Rating ↕ | Deep Dive | আবেদন করুন |
|---|---|---|---|---|---|---|---|---|---|
#1Organic Top | HSBC Bangladesh International Wealth Management | Credit Card Conventional | ৳ 6,000/yr আজ হালনাগাদ | Waiver @ ৳250,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.8 | বিবরণ → | |
#2Organic Top | Dutch-Bangla Bank PLC Largest ATM Network | Credit Card Conventional | ৳ 2,500/yr আজ হালনাগাদ | Waiver @ ৳80,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.6 | বিবরণ → | |
#3Organic Top | Eastern Bank PLC Premium Cards | Credit Card Conventional | ৳ 3,000/yr আজ হালনাগাদ | Waiver @ ৳100,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.6 | বিবরণ → | |
#4Organic Top | The City Bank PLC American Express Partner | Credit Card Conventional | ৳ 3,500/yr আজ হালনাগাদ | Waiver @ ৳120,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.5 | বিবরণ → | |
#5Organic Top | Prime Bank PLC Competitive Loan Rates | Credit Card Conventional | ৳ 2,500/yr আজ হালনাগাদ | Waiver @ ৳90,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.4 | বিবরণ → | |
#6Organic Top | Rocket (DBBL MFS) MFS Pioneer in BD | Credit Card Conventional | Zero Annual Fee আজ হালনাগাদ | Waiver @ ৳0 | N/A | No Annual Fee | ★4.4 | বিবরণ → | |
#7Organic Top | Pubali Bank PLC Widespread Branch Coverage | Credit Card Conventional | ৳ 1,500/yr আজ হালনাগাদ | Waiver @ ৳50,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.3 | বিবরণ → | |
#8Organic Top | United Commercial Bank PLC Upay MFS Partner | Credit Card Conventional | ৳ 2,000/yr আজ হালনাগাদ | Waiver @ ৳60,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.3 | বিবরণ → | |
#9Organic Top | Dhaka Bank PLC SME Growth Partner | Credit Card Conventional | ৳ 2,000/yr আজ হালনাগাদ | Waiver @ ৳70,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.3 | বিবরণ → | |
#10Organic Top | Bank Asia PLC Agent Banking Leader | Credit Card Conventional | ৳ 1,800/yr আজ হালনাগাদ | Waiver @ ৳50,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.2 | বিবরণ → | |
#11Organic Top | Premier Bank PLC High Yield Deposit | Credit Card Conventional | ৳ 2,200/yr আজ হালনাগাদ | Waiver @ ৳75,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.1 | বিবরণ → | |
#12Organic Top | Sonali Bank PLC State Sovereign Backing | Credit Card Conventional | ৳ 1,000/yr আজ হালনাগাদ | Waiver @ ৳40,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.1 | বিবরণ → | |
#13Organic Top | Agrani Bank PLC Rural & Agriculture Focus | Credit Card Conventional | ৳ 1,000/yr আজ হালনাগাদ | Waiver @ ৳40,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.0 | বিবরণ → | |
#14Organic Top | Janata Bank PLC Government Guaranteed | Credit Card Conventional | ৳ 1,000/yr আজ হালনাগাদ | Waiver @ ৳40,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.0 | বিবরণ → | |
#15s.44 Sponsored | bKash Limited #1 MFS Ecosystem | Credit Card Conventional | Zero Annual Fee আজ হালনাগাদ | Waiver @ ৳0 | N/A | No Annual Fee | ★4.8 | বিবরণ → | |
#16s.44 Sponsored | Islami Bank Bangladesh PLC Shariah Top Choice | Islamic Ujrah Credit Card 🕌 Central Shariah Board Certified (Ujrah) | ৳ 2,000/yr আজ হালনাগাদ | Waiver @ ৳75,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.7 | বিবরণ → | |
#17s.44 Sponsored | BRAC Bank PLC Top Rated Bank | Credit Card Conventional | ৳ 3,000/yr আজ হালনাগাদ | Waiver @ ৳100,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.8 | বিবরণ → | |
#18s.44 Sponsored | Standard Chartered Bangladesh Global Banking Partner | Credit Card Conventional | ৳ 5,000/yr আজ হালনাগাদ | Waiver @ ৳200,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.9 | বিবরণ → | |
#19s.44 Sponsored | Mutual Trust Bank PLC Best Service Bank | Credit Card Conventional | ৳ 2,500/yr আজ হালনাগাদ | Waiver @ ৳85,000 | N/A | NBR SRO 182 Slabs + Fee | ★4.4 | বিবরণ → |