Frequently Asked Questions
1. What is a Redeem with Reward (RwR) program?
With RwR program, you can redeem your reward points no matter where you shop with BRAC Bank credit and debit cards. The redemption value of 1 reward point will be BDT 0.30.
2. What types of transactions can you redeem with reward points?
Reward points accumulated on your credit card or debit card can be redeemed against:
  • Any type of retail transaction made with the card within last 60 days
    • For debit card only POS and E-commerce transactions are eligible for redemption
    • For credit card POS, E-commerce & QR Transactions are eligible for redemption
  • Credit card annual fee (Only with reward points available on BRAC Bank Credit Card)
3. What types of transactions are not eligible for redeeming with reward points?
Cardholders will NOT be eligible to redeem reward points for below mentioned transactions:
  • Cash Withdrawal
  • Card Cheque
  • EMI Facilities
  • QR Transactions (for debit cards only)
  • Any kind of Fees/Charges & VAT that may be applicable on the Card and levied by the Bank from time to time. (Except Annual Fee)
4. How to redeem reward points?
Reward points redemption can be made instantly with BBL Astha app. Reward points can also be redeemed by calling our 24-hour call center. 24-hour Call Center Number 16221 (Local) / 08 0000 16221 (Toll free number) or +88-09611223344, +880-2-55668055-6 (Overseas)
Example-1

Credit card reward redemption
Cardholder selects a transaction he/she wants to redeem → Places a request for redemption through BBL Astha or Call Center on 23/02/2020
Example-2

Debit card reward redemption
Cardholder selects a transaction he/she wants to redeem → Places a request for redemption through BBL Astha or Call Center on 23-02-2020
5. How many points do you earn when you make a purchase?
  • Classic/Silver, Gold Flexi, Gold, Platinum, Millennial, World and TARA World credit cardholders will earn 1 reward point for every BDT 80 spent on purchases (POS, E-commerce & QR transactions except bKash QR transactions).
  • Infinite and Signature credit cardholders will earn 2 reward points for every BDT 80 spent on purchases (POS, E-commerce & QR transactions except bKash QR transactions).
  • TARA Platinum and TARA World credit cardholders will earn double reward points for purchases made on every Tuesday.
  • All debit cardholders will earn 1 reward point for every BDT 100/ USD 1 spent on purchases. (POS & E-commerce transactions only)
6. What is the redemption value of each reward point?
BDT 0.30
7. What is the validity of newly earned reward points?
  • The validity of the newly earned reward points for credit cards will be 12 months from the bill statement in which the newly earned reward points are reflected.
  • The validity of the newly earned reward points for debit cards will be 12 months from the transaction posting date.
8. Can you avail Redeem with Reward (RwR) facility if the card is in block status?
No, the reward points cannot be redeemed if the card is in block status.
9. Can you redeem reward points once the card/account is closed/dormant?
No, the reward points cannot be redeemed once the card or account is closed/dormant.
10. What happens if you do not have sufficient points to cover the total cost of the transaction?
For a transaction to be redeemable, the transaction value must be less than or equal to the available reward redemption value.
11. How can you track your reward point balance?
You can track your reward point balance through Astha App. Reward point balance is also given in your account/credit card statement.
12. How soon will reward redemption be reflected on your account?
If reward point redemption is done through BBL Astha app, it will be reflected instantly in the app.

If reward point redemption is done through Call Center the redemption will be processed within 2-3 working days. (Both Credit and Debit cards)
13. Will the previous reward catalogue be valid anymore?
No, with the implementation of this new program, existing reward catalogue will be discontinued.
14. Can you transfer your available reward points from Debit Card to Credit Card & vice versa?
No, the accrued reward points are not transferrable from Debit Card to Credit Card & vice versa.
15. What types of transactions are not eligible to earn reward points?
Cardholders will NOT be eligible to earn reward points for below mentioned transactions:
  • Cash Withdrawal
  • Card Cheque
  • bKash QR Payment
  • QR Payment (for debit card only)
  • EMI Facilities
  • Money Transfer
  • Mobile Wallet Transfer/Top-up e.g., bKash, Rocket, U-Cash, etc.
  • Fuel Stations (service stations with or without ancillary services)
  • Direct Marketing Insurance Sales, Underwriting & Premiums
  • Transactions at Merchants such as Financial Institutions - Merchandise and Services, Non-Financial Institutions Foreign Currency/Money Orders & Travelers Cheque etc.
  • Any kind of Fees/Charges & VAT that may be applicable on the Card and levied by the Bank from time to time