Home > International Credit Card
Benefits
- Create your own Green PIN
- Buy now, pay later, enjoy up to 45 days of interest free credit
- Flexible repayment with minimum amount of only 25% of monthly outstanding balance
- Easy internet shopping and merchant payments
- Secured Credit Card e-Statement service
- 24/7 account enquiry through online access
- Instant email alert service for every transaction
Application Process
- Download application
- Submit application with all the required documents listed in the application form to any of the Bank of Bhutan Branch Offices
Eligibility
- Any Bhutanese between the age of 18 to 70 years with a legitimate repayment source.
- Salaried employees with minimum net take home pay of Nu.10,040/-
Usage
- Accepted OUTSIDE Bhutan, India and Nepal
- Point of Sale terminals, Online purchases and Visa ATMs
Payment
- Convenient re-payment methods including auto debit, Internet Banking, mBoB and cash payment
Limit
- The amount of credit (USD credit limit) you are eligible for is calculated based on your financial and personal details provided with the card application or USD 1000/- whichever is lower
- You can add your ATS USD limit on your card if your credit limit is higher than USD 1000/-
- You will have to email a copy of air ticket to [email protected] to activate your ATS limit on your Credit Card
- You can also increase your card limit against a collateral such as fixed assets, lien against deposit in CASA account, Fixed Deposit or Recurring Deposit account.
Note: To avail ATS on Card, you need to provide valid passport copy and confirmed air ticket to Third Countries
Security
- Secured by the latest EMV Standard-Chip and PIN for ATM and POS transaction and with Verified by Visa(vbv) for Online purchase
- Bank of Bhutan EMV Credit Card comes embedded with microchip, which provides additional security against counterfeiting/duplication of the card. It also provides an extra layer of security with Personal Identification Number (PIN)
Fees and Charges
Fee Particulars | Amount |
---|---|
Issuance – Primary Card | Nu. 500 per Card (w.e.f 1st July 2019 till further notice) |
Issuance – Add on Card | Nu.500 per Card |
Annual Fee – Primary Card | Nu.999 per Card |
Annual Fee – Add on Card | Nu.299 per Card |
Replacement Fee | Nu.200 per Card |
Interest on Revolving Credit | 2.5% of Outstanding |
Late payment Fee | Nu.200 or 0.5% of Outstanding Amount, whichever is higher |
Over limit Fee | Nu.200 or 0.5% of Over Limit Amount, whichever is higher |
Cash Advances/ Withdrawal |
1.5% per month on withdrawal amount. Interest will be charge from the day of withdrawal till receipt of payment. However, no interest on withdrawal of cash from credit balances. |
Cash withdrawal Fee |
|
ATM Balance inquiry Fee | Nu. 50 per transaction |
Forex Transaction Fees | 1.5 % on Transaction Amount |
Card Validity | 3 Years |
Forex Transaction Fees | 1.5% on Transaction Amount |
Note: When you use your card for payment in a currency different to your account base currency i.e. Nu/INR, a foreign exchange conversion will be required. The exchange rate applied will be the wholesale rate plus an additional percentage charged by Visa and the bank to cover the costs.