Who can apply?
City Bank does not publish a minimum income for the Blue card on its product page; eligibility is decided from the income documents you submit. In practice the bank looks for:
✔️ A Bangladeshi resident with a valid National ID (NID) and an e-TIN certificate
✔️ A regular income as a salaried employee, a professional or a business owner
✔️ A clean repayment record in the Bangladesh Bank CIB report
✔️ Applicants who do not meet the unsecured criteria may be offered a secured card against a fixed deposit
What are the fees and rates?
The figures below come from City Bank’s fee table for American Express credit cards dated 1 June 2026. All fees carry 15% VAT.
✔️ Annual fee: BDT 1,250 in the first year; BDT 2,500 a year from the second year
✔️ Supplementary card: first one free; BDT 1,250 a year for each additional card
✔️ Interest rate on purchases and cash advances: 25% a year, with 15 to 45 interest-free days on purchases if the previous statement was paid in full
✔️ EMI interest rate: 11.99% a year flat (effective 17.90% to 21.63%); FlexiBuy at 0% for 3 to 36 months at partner merchants
✔️ Late payment charge BDT 600; over-limit charge BDT 1,000; cash advance fee BDT 150 or 2.5% (USD 4 or 2.5% abroad); cash advance limit 50% of the credit limit
✔️ Foreign currency mark-up 3%; card replacement BDT 500; CIB fee BDT 100; SMS alerts BDT 300 a year; optional Double Benefit Insurance 0.40% of the monthly balance
Always check the current table on the official website before applying: City Bank updates it every few months.
What documents do you need?
✔️ Copy of your NID and of your e-TIN certificate
✔️ Two lab-printed passport-size photographs and, if you have one, a copy of your passport
✔️ Salaried applicants: latest salary certificate or last three months’ pay slips, office ID copy, business card and last six months’ bank statement
✔️ Business owners: trade licence (or partnership deed, or memorandum and articles for a limited company) and last twelve months’ bank statement
A piece of advice for you!
Before you fill in the form, get your own CIB report from Bangladesh Bank or ask your current bank for it. A single loan or card instalment overdue by more than a few months will block the application, and it is better to settle it first than to collect a rejection.
Choose the limit you ask for with care. A modest limit that you use lightly and pay in full builds the record that lets City Bank raise it later; a high limit that you cannot clear each month only feeds the 25% interest.
If you plan to use FlexiBuy, check the partner list before the purchase, not after: only transactions at listed merchants can be converted at 0%, and the SMS alert service, although it costs BDT 300 a year, is the fastest way to catch an unauthorised transaction.
Apply now on City Bank’s official website!
On the official page, open the American Express section, choose the Blue card, fill in the online enquiry form and upload or hand in the documents listed above. City Bank’s card centre reviews the file and calls you to complete the process. Tap the button to go there.
Kredua is not a bank or a financial institution licensed by Bangladesh Bank and does not lend money or issue cards. We describe products offered in the Bangladeshi market so that you can decide with more information; every application is made directly with the bank you choose, which alone assesses and approves it.
