Bangladeshi Bank note One Taka


One taka is one of the major bank note of Bangladesh.There have various types of  one taka notes.They are as follows...













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Bangladesh Bank note Two Taka

Two taka is one of the major bank note of Bangladesh.There have various types of  two taka notes.They are as follows... 





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Bangladesh Bank note Fifty Taka

Fifty taka is one of the major bank note of Bangladesh.There have various types of  fifty taka notes.They are as follows...              

Fifty taka




Fifty taka















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Bangladesh Bank note Twenty Taka

Twenty taka is one of the major bank note of Bangladesh.There have various types of  twenty taka notes.They are as follows...     


Twenty taka


Twenty taka
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Bangladesh Bank note Thousand Taka

Thousand taka is one of the major bank note of Bangladesh.Thousand taka note is the newest figure in the family of Bangladeshi money.  There have one type of  thousand taka note.They are as follow.....



Thousand taka

Thousand taka
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Bangladesh Bank note Five Taka

Five taka is one of the major bank note of Bangladesh.There have various types of  five taka note.They are as follows...


Five taka


Five taka


 Five taka
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Bangladesh Bank note Ten taka

Ten taka is one of the major bank note of Bangladesh.There have various types of  ten taka note.They are as follows...          
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Banglades Bank note Hundred Taka


Hundred taka is one of the major bank note of Bangladesh.There have various types of  Hundred taka note.They are as follows...

Hundred taka
 
Hundred taka

Hundred taka        
                                       

Hundred taka
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DhakaBank's Branch Address

Branch Addresses of DhakaBank

LOCAL OFFICE

BANKING HOUR      Sunday - Thursday 10 AM. To 4 PM.
ADDRESS:          Adamjee Court (GF), 115-120 Motijheel C/A, Dhaka-1000
CONTACT PERSON:   Mr. Emranul Huq, Executive Vice President & Manager
EMAIL:             local@dhakabank.com.bd
PHONE NUMBER:    +8802 9556594
FAX:              +8802 9556583


BANGSHAL BRANCH

ADDRESS:          88 Shaheed Syed Nazrul Islam Sharani,1st-2ndFloor,Dhaka-1100
CONTACT PERSON:   Kazi Zafar Hasan-Senior Assistant Vice President & amp;Manager
EMAIL:             bangshal@dhakabank.com.bd
PHONE NUMBER:     +8802 7113748, +8802 7110463, +8802 7175275
FAX:              +8802 9558451


BANANI BRANCH
ADDRESS:         73/B Kemal Ataturk Avenue, Banani, Dhaka-1213
CONTACT PERSON: Mr.Khan Shahadat Hossain-Executive Vice President & amp;Manager
EMAIL:            banani@dhakabank.com.bd
PHONE NUMBER:    +8802 9881582, +8802 9882324-5
FAX:             +8802 8813349


IMAMGANJ BRANCH
ADDRESS:          1,Imamganj Lane, Imamganj Bazar, Dhaka
CONTACT PERSON:   Mr. Md. Tipu Sultan - Vice President & Manager
EMAIL:             imamgonj@dhakabank.com.bd
PHONE NUMBER:     +8802 7314136, +8802 7318031
FAX:              +8802 7314135


ISLAMPUR BRANCH
ADDRESS:            6-7 Islampur Road, Islampur , Dhaka-1100
CONTACT PERSON: Md.Shahadat Hossain-Senior Assistant Vice President &Manager
EMAIL:              islampur@dhakabank.com.bd
PHONE NUMBER:      +8802 7393980-1
FAX:               +8802 7392942



FOREIGN EXCHANGE BRANCH
ADDRESS:          Biman Bhaban (1st floor), 100 Motijheel C/A, Dhaka-1000
CONTACT PERSON:   Mr. Md. Mostaque Ahmed, Vice President & Manager
EMAIL:             fex@dhakabank.com.bd
PHONE NUMBER:     +8802 9554514, +8802 7169282,+8802 9571006-10
FAX:              +8802 7169328


UTTARA BRANCH
ADDRESS:         House # 01, Road # 13, Sector # 1, Uttara, Dhaka-1230
CONTACT PERSON: Md. Ziaur Rahman-Senior Assistant Vice President & Manager
EMAIL:            uttara@dhakabank.com.bd
PHONE NUMBER:    +8802 8951788, +8802 8919948
FAX:             +8802 8951755


DHANMONDI BRANCH
ADDRESS:          House # 500, Road # 7, Dhanmondi R/A, Dhaka
CONTACT PERSON:   Md. Shujaur Rahman - Executive Vice President & Manager
EMAIL:             dhanmondi@dhakabank.com.bd
PHONE NUMBER:    +8802 9122278, +8802 9115551, +8802 9111019,+8802 9111337
FAX:              +8802 8125481


KARWAN BAZAR BRANCH
ADDRESS:         Summit Centre (1st floor), 18 Karwan Bazar, Dhaka-1215,
CONTACT PERSON:  Mr.Mostaque Ahmed Khan - Senior Vice President & Manager
EMAIL:            karwanbazar@dhakabank.com.bd
PHONE NUMBER:    +8802 9134323, +8802 9118001
FAX:             +8802 8125764


AMIN BAZAR BRANCH
ADDRESS:          Market Complex,Amin Bazar Jame Mosque,Amin Bazar, Savar
CONTACT PERSON:   Mr.Kazi Arifur Rahman, Senior Assistant Vice President &amp
EMAIL:             aminbazar@dhakabank.com.bd
PHONE NUMBER:    +8802 9008998
FAX :             +8802 9008998


EPZ BRANCH
ADDRESS:        Zone Service Building,Room#51, DEPZ Ganakbari, Savar, Dhaka
CONTACT PERSON:  Mr. A H M Morshed - Assistant Vice President & Manager
EMAIL:            depz@dhakabank.com.bd
PHONE NUMBER:    +8802 7701671-2
FAX:             +8802 7701672


FANTASY KINGDOM BRANCH
ADDRESS:         Chowdhury Plaza, Jamgara, Savar, Dhaka
CONTACT PERSON:  Md. Shaminoor Rahman-Senior Assistant Vice President &amp
EMAIL:            fkingdom@dhakabank.com.bd
PHONE NUMBER:    +8802 7701241, +8802 7701271
FAX:             +8802 7701241


ISLAMIC BANKING BRANCH, MOTIJHEEL
ADDRESS:         Sara Tower (1st floor),11/A Toyenbee Circular Rd,Motijheel, Dhaka
CONTACT PERSON:   Mr. Syed Abdul Quader - Vice President & Manager
EMAIL:             ibb.sara@dhakabank.com.bd
PHONE NUMBER:    +8802 7160910, +8802 7160913-5, +8802 9567815
FAX:              +8802 7160912


GULSHAN BRANCH
ADDRESS:          Plot# 7,Block # SE(D), Holding # 24, Gulshan Avenue,Dhaka
CONTACT PERSON:  Md.Shakir Amin Chowdhury-Executive Vice President &Manager
EMAIL:             gulshan@dhakabank.com.bd
PHONE NUMBER:    +8802 8816442, +8802 8825113
FAX:              +8802 9881026


AGRABAD BRANCH
ADDRESS:          Chamber House, 38 Agrabad C/A, Chittagong
CONTACT PERSON:   Md. Muhibbul Abrar Choudhury, Senior Vice President &amp
EMAIL:            agrabad@dhakabank.com.bd
PHONE NUMBER:    +88031 814618, +88031 813420-2
FAX:              +88031 814871


KHATUNGANJ BRANCH
ADDRESS:          292-293 Khatunganj Road, Khatunganj, Chittagong
CONTACT PERSON:  Md.Mozammel Hoque Chowdhury - Senior Vice President &
EMAIL:            khatungonj@dhakabank.com.bd
PHONE NUMBER:    +88031 622131, +88031 622132-3
FAX:             +88031 622130


JUBILEE ROAD BRANCH
ADDRESS:         183 Jubilee Road, Chittagong
CONTACT PERSON: Mr.Iqbal Parvez Chowdhury-Senior Assistant Vice President &
EMAIL:            jubilee@dhakabank.com.bd                           PHONE NUMBER:   +88031 630186, +88031 630183-5
FAX:             +88031 630187


ISLAMIC BANKING BRANCH, AGRABAD
ADDRESS:          Sadharan Bima Sadan ,102 Agrabad Commercial Area, Chittagong
CONTACT PERSON:  Mr. K.B.M. Ismail Chowdhury, Assistant Vice President &amp EMAIL:            ibb.agrabad@dhakabank.com.bd
PHONE NUMBER:    +88031 712401-2, +88031 713391-2
FAX:             +88031 713393


NARAYANGANJ BRANCH
ADDRESS:         26-29 S. M. Maleh Road, Tanbazar, Narayanganj
CONTACT PERSON:   Mr. Saimur Pervez - Vice President & Manager
EMAIL:            narayangonj@dhakabank.com.bd
PHONE NUMBER:    +8802 7630427, +8802 9750300
FAX:             +8802 9715750


MADHABDI BAZAR BRANCH
ADDRESS:          8 Bank Road, Madhabdi Bazar,Narshingdi
CONTACT PERSON:  Mr. Abdul Malek Howlader-Senior Assistant Vice President &amp
EMAIL:            madhabdi@dhakabank.com.bd
PHONE NUMBER:    +8806 257681, +8806 257680
FAX:             +8806 9351214


BELKUCHI BRANCH
ADDRESS:         Jamuna Shopping Complex, Mukundaganti Bazar, Belkuchi, Sirajganj
CONTACT PERSON:   Md. Abu Sufian Talukder-First Assistant Vice President &amp
EMAIL:            belkuchi@dhakabank.com.bd
PHONE NUMBER:    +8807522 56280, +8807522 56428
FAX:             +8807522 56280


LALDIGHIRPAR BRANCH
ADDRESS:          960 Laldighirpar, PS. Kotwali, Sylhet
CONTACT PERSON:   Mr. Syed Ahsanur Reza - Vice President & Manager
EMAIL:             laldighirpar@dhakabank.com.bd
PHONE NUMBER:   +880821 721119, +880821 721116-7
FAX:              +880821 721120


MOULVIBAZAR BRANCH
ADDRESS:          SR Plaza (1st floor), 1151/3,M. Saifur Rahman Road,Moulvibazar
CONTACT PERSON:   Mr. Fazle Ahmed Rabbi- First Assistant Vice President &amp
EMAIL:            moulvibazar@dhakabank.com.bd
PHONE NUMBER:    +880861 62173, +880861 62174
FAX:             +880861 62175


SONAIMURI BRANCH
ADDRESS:          Tofail Shopping Complex, Sonaimuri, Noakhali
CONTACT PERSON:   Shah Emran, Senior Principal Officer & Manager
EMAIL:            sonaimuri@dhakabank.com.bd
PHONE NUMBER:    +88060 74476194
FAX:              +88060 2218035


RAJSHAHI BRANCH
ADDRESS:          73, Ganak Para, Shaheb Bazar, Rajshahi
CONTACT PERSON:    Mr. Golaam Mahbob Newaz - Principal Officer & In-charge
EMAIL:            rajshahi@dhakabank.com.bd
PHONE NUMBER:     +880721 812330, +880721 066250
FAX:              +880721 812331


BOGRA BRANCH
ADDRESS:         Jhawtola, Kazi Nazrul Islam Road
CONTACT PERSON:  Md. Abu Sina - Senior Assistant Vice President & Manager
EMAIL:            bogra@dhakabank.com.bd
PHONE NUMBER:   +88051 69813-15
FAX:             +88051 69815


JOYPARA BRANCH
ADDRESS:         Munshi Super Market, 1083, Joypara, Dohar, Dhaka
CONTACT PERSON:   Mr. Ajit Gomes, Senior Principal Officer & Manager
EMAIL:            dohar@dhakabank.com.bd
PHONE NUMBER:    +8806223 87427
FAX:             +8806223 87427


COX'S BAZAR BRANCH
ADDRESS:          Rakshit Market, Main Road, Cox's Bazar
CONTACT PERSON:   Mr. Md. Badiul Alam - Assistant Vice President & In-charge
EMAIL:            coxsbazar@dhakabank.com.bd
PHONE NUMBER:    +880341 63931
FAX:             +880341 63164


CDA AVENUE BRANCH
ADDRESS:           1st Floor,Avenue Center,Plot#3900,901,CDA Avenue,East Nasirabad, Chittagong
CONTACT PERSON:    Mr. Nurul Arshad Chowdhury, Vice President & Manager
EMAIL:             cdaavenue@dhakabank.com.bd
PHONE NUMBER:     +880312 850951-2
FAX:               +880312 850953


HATHAZARI BRANCH
ADDRESS:         1st Floor,J&G Shopping Complex, Nazirhat Road,PS: Hathazari
CONTACT PERSON:  Mr.Mohammad Sirajul Islam, First Assistant Vice President &amp
EMAIL:           hathazari@dhakabank.com.bd
PHONE NUMBER:   +880607 4493217
  

MOGHBAZAR BRANCH
ADDRESS:          70, Outer Circular Road, Boro Moghbazar, Dhaka 1217
CONTACT PERSON:   Mr. Nazmul Arefin, Assistant Vice President & Manager
EMAIL:             moghbazar@dhakabank.com.bd
PHONE NUMBER:    +8802 8331945, +8802 8331946, +8802 8331947
FAX:             +8802 8331948


BOARD BAZAR BRANCH
ADDRESS:          1st Floor, Board Bazar, Joydebpur, Gazipur
CONTACT PERSON:   Mr. Mostafa Hussain, First Assistant Vice President &amp
EMAIL:            boardbazar@dhakabank.com.bd
PHONE NUMBER:    +8802 9293595, +8802 9293596
FAX :            +8802 9293595


BARIDHARA BRANCH
ADDRESS:        House No. 27, Block No. K, Shaheed Shuhrawardi Avenue, Baridhara Model Town
CONTACT PERSON:    Mr. Shabbir Ahmed, Vice President & Manager
EMAIL:             baridhara@dhakabank.com.bd
PHONE NUMBER:    +8802 8832063, +8802 8832064
FAX:              +8802 8832068


KONABARI BRANCH
ADDRESS:          Plot # 146/147 (1st Floor), BSCIC, Konabari
CONTACT PERSON:   Md. Aminur Rahman,First Assistant Vice President & Manager
EMAIL:            konabari@dhakabank.com.bd
PHONE NUMBER:    +880666 8114006
FAX:             +88029298701


GOALABAZAR BRANCH
ADDRESS:         Rahman Complex (1st Floor), Goalabazar, Oshaninagar, Sylhet
CONTACT PERSON:   Mr. Kazi Al-Amin, Principal Officer & Manager
EMAIL:            goalabazar@dhakabank.com.bd
PHONE NUMBER:    +88082 4256707
FAX:             +880824256710


RANGPUR BRANCH
ADDRESS:          Moti Plaza (1st Floor), Station Road, Rangpur
CONTACT PERSON:   Mr.Abdullah Al Mahmood, Senior Principal Officer & Manager
EMAIL:            rangpur@dhakabank.com.bd
PHONE NUMBER:    +8805 2161494
FAX:             +88052161494


SATKHIRA BRANCH

ADDRESS Plot# 12266/12267/12268, Boro Bazar, Thana Road, Satkhira Sadar, Satkhira
CONTACT PERSON:    Mr. Abdullah Al Hafiz, Principal Officer & In-charge
EMAIL:            satkhira@dhakabank.com.bd   
FAX:             +88047163647


BB ROAD BRANCH
ADDRESS:          Plot # 127, 1st FloorBB Road, Narayangonj 560232
CONTACT PERSON:   Mr. Monirul Islam, Assistant Vice President & Manager
EMAIL:            bbroad@dhakabank.com.bd
PHONE NUMBER:    +8802 761668,+8802 7616658
FAX:             +88027630017


FENI BRANCH
ADDRESS:          1st Floor, City Plaza,132 S.S.K Road, Feni
CONTACT PERSON:   Md.Jasim Uddin Bhuiyan, Senior Principal Officer & Manager
EMAIL:             feni@dhakabank.com.bd
PHONE NUMBER:   +880331-63451
FAX:            +88033163542


SAIDPUR BRANCH
ADDRESS:           1st Floor,Gouri Plaza,Shahid Dr. Zikrul Houque Road,Nilphamari
CONTACT PERSON:    Mr. Zahidul Islam, Principal Officer & Manager
EMAIL:              saidpur@dhakabank.com.bd
PHONE NUMBER:     +880552672951-2
FAX:               +880552672953


KERANIGANJ BRANCH
ADDRESS: 1st Floor,Khan Plaza,Shahid Delwar HossainRoad,EastAganagar,Keraniganj,Dhaka
CONTACT PERSON:   Mr. Salim Ahmed Milon, Principal Officer & Manager
EMAIL:             keraniganj@dhakabank.com.bd
PHONE NUMBER:    +8802 7762250, +880666-2607312
FAX:              +8802 7762251


UPOSHAHAR BRANCH
ADDRESS:           House # 10, Road # 32, Block # D Uposhahar, Sylhet
CONTACT PERSON:   Md. Azad Uddin, Assistant Vice President & Manager
EMAIL:             uposhahar@dhakabank.com.bd
PHONE NUMBER:     2831780, 2831781, +88 0666 9080080
FAX:               +8802 7762251


SAVAR BAZAR BRANCH
ADDRESS:          Alam Plaza(1st Floor)122 JateshworSavar Bazar Bus Stand,Savar
CONTACT PERSON:   Mr. Syed Ashraful Alam, First Assistant Vice President &amp
EMAIL:             savar@dhakabank.com.bd
PHONE NUMBER:    +8802 7743435, +880666 2303085
FAX;              +8802 7743434


PAGLA BAZAR BRANCH
ADDRESS:         Alhaj Afsar uddin Karim Bhaban1 st Floor,Pagla  BazarFatullahNarayanganj
CONTACT PERSON:   Mr. Md.Zahidul Kabir, First Assistant Vice President &amp
EMAIL:             paglabazar@dhakabank.com.bd
PHONE NUMBER:    +88027681288, +88027681299
FAX:              +8802 7681289


MIRPUR BRANCH
BANKING HOURS:    Sunday - Thursday 10 AM. To 4 PM.
ADDRESS:          PLOT#1, ROAD#5, BLOCK-A, SEC#10 MIRPUR, DHAKA
CONTACT PERSON:   Mr. Aftab Ahmed Chowdhury, Vice President & Manager
EMAIL:             mirpur@dhakabank.com.bd
PHONE NUMBER:    +88028051561,+88028051560
FAX:              +8802 8051561-107
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Credit rewards | apply card | cards credit

Credit rewards | apply card | cards credit
Credit cards History: the use of credit cards lunched in the United States during 1920, when a few companies, such as hotel chains and oil companies, issued credit card to their customers for purchases made at their businesses. The use increased dramatically after World War II in1945.

The first universal credit card which could be used at a variety of stores and businesses was lunched by Diners Club, Inc., in 1950. With this system, the credit-card company charged cardholders an annual fee and billed them on a monthly or yearly basis. Another major universal card   was established in 1958 by the American Express company (ie.  "Don't leave home without it!").
Bank credit-card system came later. The first national bank plan was brought by BankAmerica, which was started on a statewide basis in California in 1959. This system was licensed in more states in 1966, and renamed Visa in 1976.
Other major bank cards, including MasterCard, formerly Master Charge also followed. In order to offer expanded services, such as meals and lodging, many smaller banks that earlier offered credit cards on a local or regional basis formed relationships with large national or international banks.


Credit cards physical Size: A credit card is a thin plastic card, usually 7.9375 cm by 5.3975 cm in size, which contains identification information such as a picture or signature, and authorizes the people named on it to charge purchases or services to his account, charges for which he will be billed periodically. Now a day, the information on the card is read by automated teller machines (ATMs), store readers, and bank and Internet computers.




Kinds of Cards: There are mainly two kinds of cards namely credit card and debit card. By credit card one can purchase from stores called merchants, the price of which is payable at the end of the month through the affiliated banks as per notification. On the other hand, debit card is based on immediate payment system whereby one has to insert card into the ATM located at the key spots in the city. And so it is often called electronic purse. For debit card one has to have an account in a bank while credit card does not necessitate any such provision.






Credit Cards rewards: Credit card is a great financial tool; it is like a magic tool. Credit card can be more convenient to use and carry than cash, and they offer valuable consumer protections. Paper money and coin are risky and burdensome for carrying. One can avoid the toll of finger-counting changes in this system. Dollars, Pounds or Taka can be plundered, lost or stolen. But there is no such fear for card. The cardholder is given a code number called PIN (Personal Identification Number) without which the card cannot be used at sales or services points where the PIN is required. Only the owner of the card will be entitled to use it. In case the card is stolen or lost the clients' bank will issue a fresh card.





Credit card holders Criteria for apply: Every bank has their own array of criteria for the apply credit card  by which the qualification of an applicant is assessed. The criteria may be income range, social status, place of living, education, designation etc. It's quite natural that if the selection criteria for members are more flexible then their clients would be more. On the other hand, if the selection criteria are more conditional and harsh then its operation would be limited. The conditions must be friendly to consumers.



Credit cards in Bangladesh:


Credit card of Standard Chartered Bank: Standard Chartered Bank, took a pioneering role in introducing credit card in Bangladesh. It started acquiring Visa and MasterCard nearly 10 years ago. In the beginning, its operational area was very small and concentrated only on the large hotels and restaurants. In 1997 the bank decided to launch full-scale card operation and very realistically brought a wide range of people under its service system. Now they are giving a wide range of card services through multifarious quality facilities in Bangladesh.

They have Visa Silver, MasterCard Silver and MasterCard Gold card. MasterCard Gold is targeted to high-end customer based, who have a higher income. Silver cards have lower credit limits. The minimum income requirement for Silver is TK. 10,000 BDT per month and for Gold is TK. 55,000 BDT per month. The income of the applicant along with other financial data is the preliminary consideration in deciding the limit of credit. Standard Chartered Bank offers air travel accidental insurance to its cardholders and this is maximum of TK. 100,000BDT for Silver and a maximum of TK. 500,000BDT for Gold. The bank has ATM machines in Dhaka, Chittagong and khulna, Barishal, Rajshai ,Sylhet, also all the big city in Bangladesh. Several more new machines will be installed in all important towns. Standard Chartered Bank has initiated for the cardholders' benefit that a cardholder can withdraw maximum 50% of his card's limit in cash on 30% interest. Earlier a cardholder could withdraw only 20% of his card limit on the same interest.



Prime Bank: Prime Bank lunched their credit card in November 1999. They have Gold International and Gold Local, and Silver International and Silver Local. For a Silver Card one must have income range over TK. 10,000 BDT and for a Gold Card a person is to have earning minimum TK. 55,000 BDT. Prime Bank inserts the client's photograph on the credit card. When a cardholder receives his monthly statement, he can either choose to pay in full or just the minimum due amount shown on the statement. No interest is charged if he pays in full within the payment due date. There are many sorts of service charges like - annual fee, additional fee, replacement fee, late payment fee, excess limit penalty, etc. If a cardholder accumulates 20,000 Prime Bank Bonus Points for his Gold Card or 10,000 Bonus Points for his Silver Card in a year then he will enjoy card facilities without fee ($ 1 purchase equivalent to 1 Bonus Point). If a cardholder accumulates 10,000 Prime Bank Bonus points for Gold Card or 8,000 Bonus Points for Silver Card in a year then he will enjoy Card facilities without fee. (TK. 50 BDT purchase equivalent to 1 Bonus point). The highest Prime Bank Bonus Point Holder can enjoy free air ticket of Dhaka-Bangkok-Dhaka (Business Class). The bank has already listed about 3,500 members for their cards. An official of the bank preferring anonymity said introduction of any good thing like credit card is better but its practical use in our market places invites a lot of troubles because of malpractices. After all Prime Bank is doing a great job for their customer in Bangladesh.


National Bank: National Bank lunched their credit card in October 1997. Like Prime Bank they have Gold International and Gold Local and Silver International and Silver Local. For Silver Card one must have an income of minimum Taka 12,000 and for Gold Card a person must have an earning of TK 50,000 BDT per month. But in some cases it is relaxed, for example, a high-ranking government official may achieve a Gold Card though he does not fulfill the condition of income. It is now dealing with more than 6,000 clients.






VANIK: VANIK, a Bangladesh-Sri Lanka joint venture financial organization, has been rendering credit card services in Bangladesh since 1998. It has already crossed the mark of issuing 6,000 credit cards within a couple of years. Now it is covering only Dhaka city and it has a plan to spread its services all over Bangladesh.

VANIK issues two-type of credit cards. Namely, “Gold” and “Classic”. The minimum income requirement for Classic is TK. 10,000 BDT per month and for Gold is TK. 50,000 BDT per month. For the Gold Card TK. 3,000 BDT is to be paid as annual fee while TK. 1,500 BDT for the Classic. Interest per month is 2.5% on carried forward amount for both the cards. Depending on the requirement of a client, one could either settle his outstanding balance in full by the date given in his statement or has the flexibility of paying only 1/12th of the outstanding balance in installment. Whatever method he chooses he can enjoy an interest free credit period of maximum 45 days. The validity of both cards is one year from the date of issuance.


Ready Cash Card of Janata Bank: The Ready Cash Card (debit card) was first introduced in Bangladesh by Janata Bank in October 1999. The Ready Cash cards are used as an alternate to cash transaction. The bills of telephone, electricity, WASA is brought under the card payment system. People can pay the gas bill by Ready Cash Card.




Smart Card of Grameen Bank: Grameen Bank has introduced its own version of credit cards for rural people of this country. 'Smart card' is one of its credit card will provide facilities like banking, utility and insurance to members of the Bank's micro-credit programme. At the very beginning, a point of sale (POS) terminal device will be installed at various sites across the country, where rural people live. The users will be able to use 'smart card' to facilitate their business and other needs what usually the credit card users enjoy in cities.




Limitations: There are many business centers which do not give card facilities causing troubles to the cardholders in Bangladesh. The most disadvantage of the card is that all the people wishing to be cardholders cannot enjoy card facilities because of ceiling-touch income bracket along with other criteria, only a certain section of people fulfilling criteria can be cardholders. It is also for the low income of the people of Bangladesh.

 Defaulter: There are a number of credit cardholders who do not give the money to the bank after finishing the card limit. In this case, the banks fall in troubles and expansion of credit cards is naturally discouraged. Again, there are some people who try to take illegal advantage over credit cards.
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Banks of Bangladesh

State-owned Commercial Banks of Bangladesh
Three Nationalized Commercial Banks are dominating the Bangladeshi banking system.Which together controlled more than 50% of deposits and operated about 3500 branches as of December 31, 2009.

The nationalized commercial banks are:
Sonali Bank
Agrani Bank Limited
Janata Bank:


Private Commercial Banks in Bangladesh
Private Banks are the highest growth sector due to the dismal performances of government banks. They tend to offer better service and products. Their name and corresponding web addresses are given below

AB Bank ltd
BRAC Bank Limited:
http://www.bracbank.com/
Eastern Bank Limited
http://www.ebl-bd.com/
Dutch Bangla Bank Limited
Dhaka Bank Limited
Islami Bank Bangladesh Ltd
Pubali Bank Limited
Uttara Bank Limited
IFIC Bank Limited
National Bank Limited
The City Bank Limited
United Commercial Bank Limited
http://www.ucbl.com/
NCC Bank Limited
Prime Bank Limited
SouthEast Bank Limited
Al-Arafah Islami Bank Limited
Social Islami Bank Limited
Standard Bank Limited
One Bank Limited
Exim Bank Limited
Mercantile Bank Limited
Bangladesh Commerce Bank Limited
Mutual Trust Bank Limited
First Security Islami Bank Limited
The Premier Bank Limited
Bank Asia Limited
Trust Bank Limited
Shahjalal Islami Bank Limited
Jamuna Bank Limited
ICB Islamic Bank



Foreign Commercial Banks in Bangladesh
In Bangladesh there are many foreign banks. Their name & their corresponding web addresses are given below

Rupaly Bank:
Citibank na
 HSBC
Standard Chartered Bank
Commercial Bank of Ceylon
State Bank of India
Habib Bank
National Bank of Pakistan
Woori Bank
Bank Alfalah


Specialized Development Banks in Bangladesh
Out of the specialized banks mentioned above ,there are two banks named Bangladesh Krishi Bank and Rajshahi Krishi Unnayan Bank were created to meet the credit needs of the agricultural sector while the other two banks named Bangladesh Shilpa Bank (BSB) & Bangladesh Shilpa Rin Sangtha (BSRS) are for extending term loans to the industrial sector. Their name & corresponding web addresses are given below

Grameen Bank
Bangladesh Krishi Bank
Bangladesh Shilpa Bank
Rajshahi Krishi Unnayan Bank
Bangladesh Shilpa Rin Sangstha
Basic Bank Ltd
Ansar VDP Unnyan Bank


All this are the major bank of Bangladesh.
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