Who can apply?
EBL does not list a fixed minimum income for the Classic card on its product page; the bank assesses each file individually. The usual conditions are:
✔️ Bangladeshi resident of legal age with a valid NID
✔️ e-TIN certificate (required by Bangladesh Bank for credit cards)
✔️ Regular income as a salaried employee, a professional or a business owner, supported by documents
✔️ No overdue loans or cards in the Bangladesh Bank CIB report
What are the fees and rates?
From EBL’s card fee schedule effective 5 February 2026, Visa Classic column. VAT applies as per law.
✔️ Issuance / renewal fee: BDT 1,500; renewal waived with 24 transactions in the year
✔️ Supplementary card: first free; BDT 1,500 a year for additional cards
✔️ Interest: 25% a year; 15 to 45 interest-free days on purchases when the previous statement is paid in full
✔️ Minimum payment: EMI plus 3% of the balance, or BDT 500 (USD 10), whichever is higher
✔️ Late payment BDT 1,000 / USD 12; over-limit BDT 1,200 / USD 10; card replacement BDT 1,000; PIN replacement BDT 500
✔️ Cash advance: 2.17% or BDT 300 at EBL ATMs; 3% or BDT 300 (USD 5) at other ATMs
✔️ CIB fee BDT 100; transaction alerts BDT 400 a year; limit increase request BDT 500; wallet top-up from the app 1%
What documents do you need?
✔️ Copy of NID and e-TIN certificate, plus passport-size photographs
✔️ Salaried applicants: salary certificate or pay slips and recent bank statements showing the salary
✔️ Professionals: membership or registration certificate (for example BMDC for doctors) and bank statements
✔️ Business owners: valid trade licence, partnership deed or company incorporation documents and twelve months’ bank statement
A piece of advice for you!
Apply through the “Apply Now” link on EBL’s website or the EBL Skybanking app rather than by phone: the digital form records the date of your request and the documents you uploaded, which makes any follow-up faster.
Plan the 24 transactions from the first month. A single missed year costs BDT 1,500, and the count restarts at each renewal date, not on 1 January.
Avoid cash advances. Between the fee and the daily interest, withdrawing BDT 10,000 from a non-EBL ATM and paying it back after 30 days costs about BDT 500, five percent of the amount for one month.
Finally, read the fee table once a year. EBL revised its card charges in February 2026 and does so regularly; the figures on this page are correct for that version.
Apply now on Eastern Bank’s official website!
On the official product page, tap “Apply Now”, fill in the online form and upload your documents; EBL’s card division checks the file and contacts 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.
