IFIC Bank VISA Credit Cards are issued in two types namely Gold and Classic for both local and international use. The Local Cards can be used at any ATM displaying VISA Logo for withdrawal of cash and at any POS displaying VISA Logo for purchase of goods & services within Bangladesh whereas the International Cards can be used at any ATM and POS displaying VISA logo anywhere in the world. International credit card is a dual currency card and as such you can use the same plastic at home & abroad. Classic cards are for lower limits and less costly.

IFIC credit cardholders can enjoy 20 to 50 days interest free period depending on the date of transaction and the date of statement generation. Therefore, you can make your schedule of spending & payment at your convenience. Interest free period will not be allowed for cash advance.

You can repay any amount not less than the minimum payment due within the due date and keep your account regular to enjoy revolving credit facility.

You can enjoy credit facility at lower interest rate of 2% per m

You can enjoy cash withdrawal facility up to 60% of your credit limit through ATMs. You can enjoy up to 100% of your credit limit through Bank POS from any branch of IFIC Bank Limited.

First two supplementary cards are free. You can select any two from your near & dear persons and give them supplementary credit cards. They can also enjoy and share your credit limit. You can also allow specific limits for them within your credit limit.

No interest will be calculated on the amount other than cash advance if the total billing amount is paid within the payment due date. In case of part payment or no payment, interest @2% per month will be applied from the date of transaction on daily product basis until the outstanding balance is fully paid.

Filled-in Application Form, 2(two) copies of photograph, copy of TIN Certificate, Salary Certificate/Pay Slip (for Service Holder), Bank Account Statement ( for Businessman/Self Employed Persons) Copy of Passport (for International Card)and Photocopy of National ID. Other documents may be required for assessment of individual credit worthiness.

Filled-in Application Form along with other required documents may be submitted directly to the Card Division of Head Office or to any branch of IFIC Bank Limited.