Caution

If you receive any calls (except from BoB Contact Center when you have lodged a concern with them +975 2 349903), SMS and Email asking for personal details such as Account number or ATM Card number, please do not share. Bank of Bhutan will never ask for personal details of clients. It’s all spam.

Home Personal Banking Cards International Credit Card

International Credit Card

Bank of Bhutan gives you access to shop, splurge or spend as you want while you travel around the world. The Visa International Credit Card can be used for online shopping as well as at all Visa POS and ATM terminals. Go ahead, make the most of your trip!.

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 ParticularsAmount
Issuance – Primary CardNu. 500 per Card (w.e.f 1st July 2019 till further notice)
Issuance – Add on CardNu.299 per Card
Annual Fee – Primary CardNu.999 per Card
Annual Fee – Add on CardNu.299 per Card
Replacement Fee/Renewal FeeNu.200 per Card
Replacement Fee/Renewal Fee – Add on CardNu.299 per Card
Interest on Revolving Credit2.5% of Outstanding
Late payment FeeNu.200 or 0.5% of Outstanding Amount, whichever is higher
Over limit FeeNu.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 FeeNu.300 or 3% of withdrawal amount, whichever is higher (at other Visa ATMs) Nu.200 or 2% of withdrawal amount, whichever is higher (at BOB ATMs)
ATM Balance inquiry FeeNu. 50 per transaction
Forex Transaction Fees1.5 % on Transaction Amount
Card Validity3 Years

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.

Downloads / Links

Download Credit Card Application Form