• Activate your BRAC Bank DCI Emerald Primary Credit Card through ASTHA app and get 200 bonus reward points (applicable only on the card activation for the first time)

• Double reward points monthly up to 1,000 bonus reward points on cumulative transaction at Apex, Artisan, Astorion, Bata, Le Reve
• BDT 500 cashback on monthly cumulative spend of BDT 20,000 at Agora, Meena Bazar, Shwapno, Unimart
• 5% cashback up to BDT 300 monthly at Cooper’s, Gloria Jean’s and Herfy
• 1,000 bonus reward points monthly on minimum cumulative international retail spend of equivalent USD 500
• BOGO offers at prominent Hotels

• 3 complimentary visits per year, $29 per visit per person afterwards at more than 1,500 international lounges
• Unlimited complimentary visits for cardholder plus one guest (round the year) at Balaka Lounge
• Lounge Benefits

• Smart P@yflex facilities at 7% interest (Tenure: 12 months; Minimum transaction size BDT 15,000). No processing Fee is applicable.
• P@yflex - 0% interest installment purchase program at more than 1,400 merchants

Credit Shield Enrollment is necessary to enjoy insurance benefits. Primary Credit Cardholders can enrol in credit shield during Credit Card Application or after through branches.

• In Patient:
  • No maximum limit.
  • Per night up to BDT 5,000 coverage.
  • Per incident maximum 30 nights stay covered year.
• Natural Death/ Permanent Total Disability
  • 200% of Outstanding Balance (Maximum BDT 20,00,000)
• Accidental Death
  • 400% of Outstanding Balance (Maximum BDT 40,00,000)
• Critical Illness
  • 50% of Outstanding Balance (Maximum BDT 500,000)

• Annual fee waiver upon yearly minimum spends of BDT 1,00,000 (POS, QR (excluding Bkash QR), Ecom except MFS and Pass through)
• Annual fee can also be waived through reward points.
  • 100% annual fee can be waived through 5,000 reward points
  • 50% annual fee can be waived through 2,500 reward points