Step 1: Are You Ready for American Express? Understanding Eligibility
Before diving into the application process, the most crucial initial step is to determine your eligibility. American Express, in partnership with City Bank in Bangladesh, maintains specific criteria to ensure that cardmembers can responsibly manage their accounts and fully enjoy the benefits.
Who Can Apply?
Generally, any Bangladeshi citizen or resident alien with a stable income and a good credit history can apply. The eligibility criteria largely depend on whether you are a salaried individual or a self-employed business person.
Key Eligibility Factors:
Age: You must typically be at least 18 years old.
Nationality/Residency: Bangladeshi nationals and sometimes resident expatriates are eligible.
Income: This is a primary factor. American Express cards are generally considered premium, and thus require a certain minimum income level. While the exact figures can vary by card type (e.g., Green, Gold, Platinum), you'll need to demonstrate a consistent and substantial income. For instance, the American Express Gold Credit Card often requires a minimum monthly salary.
Credit History: A clean credit history, free from defaults or significant outstanding loans with other financial institutions, is highly preferred. City Bank will conduct a credit information bureau (CIB) check with Bangladesh Bank.
Bank Account: While you don't necessarily have to be an existing City Bank account holder to apply, having a banking relationship, especially a savings or current account with City Bank or another reputable bank, will be beneficial for demonstrating financial stability.
It's important to remember that meeting the minimum requirements doesn't guarantee approval, as the bank conducts a comprehensive assessment.
 |
| How To Get American Express Card In Bangladesh |
Step 2: Gather Your Arsenal of Documents (Required Paperwork)
Once you've confirmed your eligibility, the next step is to meticulously prepare all the necessary documentation. Having everything in order will significantly streamline your application process. The required documents vary slightly based on your employment status.
For Salaried Individuals:
If you are employed by an organization, here's what you'll typically need:
Signed and completed Application Form: This form is available at City Bank branches or can sometimes be downloaded from their website. Fill it out accurately and completely.
National ID (NID) Photocopy: A clear photocopy of your valid Bangladeshi National ID card.
Latest Salary Certificate / Last 3 Months' Pay Slips: This provides proof of your current income.
E-Tin Certificate Copy: Your Electronic Taxpayer Identification Number certificate.
Valid Passport Copy: A photocopy of the first five pages and the last three pages (especially crucial if you're applying for a dual currency card for international transactions).
Office ID Card Copy: A photocopy of your official employment ID.
Bank Statement Last 6 Months: Statements from your personal bank account demonstrating consistent income flow.
Business Card: If you have one, it helps verify your employment details.
2 Copies of LAB Print Photos: Recent passport-sized photographs.
For Business Persons (Self-Employed):
If you run your own business, the documentation focuses on verifying your business's legitimacy and income.
Signed and completed Application Form: As above, fill this out precisely.
National ID (NID) Photocopy: Clear photocopy of your valid NID.
Trade License or Partnership Deed Copy:
For a sole proprietorship, your valid Trade License.
For a partnership concern, a copy of the Partnership Deed.
For a Limited Company, a Memorandum of Association (MOA) and Article 10 & 12.
E-Tin Certificate Copy: Your Electronic Taxpayer Identification Number certificate.
Valid Passport Copy: Photocopy of your passport (especially for dual currency cards).
Bank Statement Last 12 Months: Statements for your business and personal bank accounts, demonstrating the financial health and income of your business.
Business Card: If applicable.
2 Copies of LAB Print Photos: Recent passport-sized photographs.
Tip: Don’t skim past key examples.
General Documents for All Applicants:
Latest Tax Return Certificate / Return Submission Acknowledgement: Evidence of your tax compliance.
Completed CIB form and Letter of Undertaking: These forms are provided by the bank for the credit information check.
Proof of Address: While often covered by NID, sometimes utility bills (not more than 3 months old) might be requested if your current address differs significantly from your NID.
Always keep original documents handy for verification purposes, even if photocopies are submitted.
Step 3: Choosing Your Amex Companion (Card Selection)
American Express, through City Bank, offers a diverse range of cards, each tailored to different lifestyles and spending habits. Before applying, it's wise to research and select the card that best aligns with your needs and financial profile.
Popular Amex Cards in Bangladesh:
The American Express® Credit Card (Green Card): Often an entry-level option, providing a solid foundation of Amex benefits.
The City Bank American Express® Gold Credit Card: A popular choice, offering enhanced rewards, dining, and travel privileges.
The City Bank American Express® Platinum Credit Card: This is a premium, often invitation-only, card offering unparalleled luxury benefits like extensive lounge access, bespoke assistance, and exclusive dining and travel offers. It's the first metal Amex card in Bangladesh.
Co-branded Cards: You might also find co-branded cards like the Biman Bangladesh American Express® Credit Card, offering specific benefits related to travel with the national airline.
City Islamic American Express® Cards: For those seeking Sharia-compliant options.
Consider your spending patterns, desired benefits (rewards, travel, dining, lifestyle), and annual fees when making your selection. Each card comes with its own set of privileges and an annual fee.
Step 4: The Application Journey (Applying for the Card)
With your documents ready and your preferred card in mind, it’s time to initiate the application.
Online Application (Initial Inquiry):
While a full online application for American Express in Bangladesh isn't typically available for direct approval without physical verification, you can often start the process online through the City Bank or American Express Bangladesh website.
Visit the Official Website: Go to the American Express Bangladesh website (
www.americanexpress.com/en-bd/network/credit-cards/ Explore Cards: Browse the various American Express cards available and click on "Apply Now" for your chosen card.
Fill Initial Form: You might be prompted to fill out a short online inquiry form with your basic details. This often leads to a representative contacting you.
Remember, this online step is usually an initial inquiry or lead generation; the complete application process generally requires physical submission.
Branch Application (Most Common Method):
QuickTip: A quick skim can reveal the main idea fast.
This is the most reliable and common way to apply for an American Express card in Bangladesh.
Visit a City Bank Branch: Head to any City Bank branch that offers credit card services. It's advisable to visit a larger branch or one with a dedicated credit card desk.
Request Application Form: Ask for the American Express Credit Card application form.
Consult a Relationship Manager: A bank representative or relationship manager will be able to guide you through the process, answer your questions, and help you select the most suitable card. This is an excellent opportunity to clarify any doubts regarding eligibility or required documents.
Complete the Form: Fill out the application form carefully and completely. Ensure all details match your supporting documents. Any discrepancies can cause delays.
Attach Documents: Neatly attach all the required photocopies of your documents (as listed in Step 2) to the application form.
Submit the Application: Hand over the completed form and attached documents to the bank official. They will review it for completeness before accepting it.
Filling Out the Form: Key Details to Pay Attention To
Personal Information: Your full name (as it appears on your passport/NID), date of birth, nationality, marital status, number of dependents, etc.
Contact Information: Current residential address, permanent address, mobile number, email address.
Employment/Business Details: Company name, nature of business, designation, start date, office address, and contact number.
Income Details: Your monthly/annual income, any additional income sources.
Bank Account Details: Your existing bank accounts, and if you have other credit cards, their details.
Desired Card Details: Specify if you want a single or dual currency card, and your desired credit limit (keeping in mind Bangladesh Bank regulations which state the total limit for all cards, including Amex and Visa, generally must not exceed BDT 5,00,000).
Declaration & Signature: Read the terms and conditions carefully before signing. Your signature confirms that the information provided is accurate and that you agree to the terms.
Step 5: The Waiting Game & Beyond (Post-Application Process)
After you submit your application, the bank will begin its internal processing. This stage involves verification and assessment.
Verification and Approval:
Document Verification: City Bank will verify the authenticity of your submitted documents. This may involve contacting your employer or your bank.
Credit Information Bureau (CIB) Check: The bank will conduct a CIB check with Bangladesh Bank to assess your creditworthiness and history. A good CIB report is essential for approval.
Interview/Phone Call: You might receive a call from the bank for further verification or to clarify any information on your application.
Approval/Rejection Notification: Once the assessment is complete, the bank will notify you of their decision. If approved, you will receive confirmation.
The processing time can vary, typically ranging from a few days to a few weeks, depending on the completeness of your application and the bank's workload.
Card Delivery and Activation:
Card Issuance: Upon approval, your American Express card will be prepared and issued.
Card Delivery: The card will usually be delivered to your mailing address via courier. Ensure someone is available to receive it.
Activation: Once you receive your card, you will need to activate it. This can usually be done through:
A dedicated phone banking number (City Bank's 24-hour Call Center: 16234 for local calls or +88) 02 8331040 for local and international calls).
City Bank's ATM (select card activation option).
Citytouch Digital Banking Services.
Following instructions provided with your card.
During activation, you will often set your PIN.
Do not share your card details or PIN with anyone.
Benefits of American Express in Bangladesh
Holding an American Express card in Bangladesh opens up a world of privileges:
Membership Rewards® Program: Earn points on every spend, which can be redeemed for various rewards, including paying annual fees, outstanding bills, or attractive vouchers for dining, electronics, and lifestyle items.
Exclusive Dining Offers: Enjoy significant savings and "Buy 1 Get 1/2 complimentary" buffet offers at leading hotels and restaurants across Bangladesh.
Travel Benefits: Depending on your card type, you can get lounge access (both local and international lounges via Priority Pass), discounts on air tickets with various airlines, and travel insurance.
Lifestyle Privileges: Access to exclusive offers on shopping, entertainment, and wellness.
Trusted Service: American Express is renowned globally for its exceptional customer service. In Bangladesh, City Bank offers a 24-hour dedicated customer service center.
Flexibility: Options like FlexiBuy (0% interest installment plans), Balance Transfer, and EasyPay facilities for bill payments.
Global Acceptance: Your American Express card is warmly welcomed at thousands of places across Bangladesh and millions worldwide.
Each American Express card product has its own unique set of benefits, so refer to the specific card's terms and conditions on the American Express Bangladesh or City Bank website.
By following these steps, you'll be well on your way to becoming an American Express Cardmember in Bangladesh, ready to unlock a world of unparalleled experiences and benefits. Good luck with your application!
QuickTip: Skim for bold or italicized words.
Frequently Asked Questions (FAQs)
Here are 10 common "How to" questions related to getting and using an American Express card in Bangladesh, with quick answers:
How to check my eligibility for an American Express card in Bangladesh?
You can check preliminary eligibility by reviewing the income and age requirements on the American Express Bangladesh or City Bank website for specific card types. For a definitive answer, you'll need to submit an application, which involves a credit assessment by City Bank.
How to apply for an American Express card online in Bangladesh?
While you can often initiate an inquiry or provide basic details through the American Express Bangladesh or City Bank website's "Apply Now" section, a full application with physical document submission is typically required at a City Bank branch.
How to track my American Express card application status in Bangladesh?
You can usually track your application status by contacting City Bank's 24-hour Call Center at 16234 (for local calls) or (+88) 02 8331040 (for overseas calls), or by inquiring at the City Bank branch where you submitted your application.
How to activate my new American Express card in Bangladesh?
You can activate your card by calling City Bank's 24-hour Call Center, using a City Bank ATM by selecting the card activation option, or through Citytouch Digital Banking Services, following the instructions provided with your card.
How to pay my American Express card bill in Bangladesh?
QuickTip: Pause after each section to reflect.
You can pay your bill via cash or cheque at any City Bank branch, through direct debit standing instructions from your City Bank account, via Citytouch Digital Banking Services, or through Electronic Fund Transfer from other banks.
How to increase my American Express card credit limit in Bangladesh?
You can typically apply for a credit limit enhancement after 6 months of card usage. Requests can be made by visiting a City Bank branch or contacting their Call Center at 16234. Approval depends on your usage and repayment history.
How to report a lost or stolen American Express card in Bangladesh?
Immediately contact City Bank's 24-hour Call Center at 16234 (local) or (+88) 02 8331040 (local and international) to report your card lost or stolen. They will block the card and guide you on obtaining a replacement.
How to contact American Express customer service in Bangladesh?
For any queries or assistance related to your American Express card in Bangladesh, you can call City Bank's 24-hour Call Center at 16234 (for local calls) or (+88) 02 8331040 (for overseas calls).
How to redeem my American Express Membership Rewards points in Bangladesh?
You can redeem your accumulated Membership Rewards points by calling City Bank's 24-hour Call Center at 16234 or (+88) 02 8331040. You can redeem points for various rewards, including paying annual fees, outstanding bills, or vouchers from merchant partners.
How to use my American Express dual currency card for international purchases?
Ensure your dual currency card has the necessary USD endorsement on your travel quota (TQ) limit. Inform City Bank (via their Call Center) about your travel plans (duration, countries) before you travel to ensure seamless international transactions.
 |
