Credit Card Hub
Pubali Gold Credit Card — plan a charge, price the arbitrage loop, and see exactly when every taka falls due.
The due date passed 4 days ago. 24% annual interest is now charging retroactively from the date of every transaction — not from the due date.
Pay the full outstanding balance immediately. Every day adds more retro-interest.
What are you about to spend?
The card answers back with the exact dates, the free days, and what it costs if you slip
Lands on the 17 Aug statement, due 1 Sept. Clear it on 31 Aug and you hold the cash 26 days for free.
Lands on the 17 Aug statement, due 1 Sept. Clear it on 31 Aug and you hold the cash 26 days for free.
18 extra free days — not enough to postpone something you need now.
How to run it
In order, with the rails that cost nothing
- 1Put the ৳2,000 on the card on 5 Aug instead of paying from your own balance.
- 2It appears on the 17 Aug statement — 26 interest-free days from the charge.
- 3Pay ৳2,000 in full on 31 Aug via BRAC Astha → NPSB. Free, same-day, and one day clear of the 1 Sept deadline.
- 4Use NPSB rather than bKash or Nagad — paying the bill through an MFS app adds ৳35, and missing the date entirely costs ৳575 in late fee before any interest.
Routes for paying at the counter
Priced for this exact amount, cheapest first
- Pay directly with the Pubali Gold card
No transfer fee at all — the merchant absorbs the acquiring cost, and you get the full interest-free window.
Adds ৳2,000 to the card — due 1 Sept 2026, 26 free days from 5 Aug.
- Keep the bKash balance at zero and your cash in BRAC
- At the counter: Add Money from BRAC Platinum Debit for the exact invoice
- Pay via bKash to capture the merchant cashback
Worth the extra step only where bKash is running a 5–10% merchant offer on this shop.
If you don't clear it in full
24% APR, charged retroactively from the transaction date