Pubali Gold Credit Card settings

Everything the engine knows about this rail. Rules recorded here decide whether it wins a recommendation.

What is it

NameHow you refer to it day to dayKindIssuer or bankLast four digitsOnly for telling similar cards apartLinked MoneyLover walletLinks the live balance so you never have to update it by hand

Credit card terms

These decide the cash-held value, utilisation warnings and the timing advice Pay Smart gives you. Guessing them makes the advice worse than leaving them blank.

Credit limitIn takaCurrently outstandingEverything owed right nowStatement balanceThe figure on the last statementStatement closes onDay of month, 1 to 31Payment due onOnly if the bank uses a fixed day. Leave blank — grace period below is used insteadGrace periodInterest-free days after the statementMinimum paymentPercent of the statementMonthly interestAnnual rate divided by twelveDo you carry a balance?The interest rate is only a real cost if you revolve past the due date

Paying in foreign currency

The exchange rate is not the price. What decides the cost of a dollar charge is the rate this card personally bills at — and two cards settling the same dollar on the same day routinely land on different taka.

Can it pay internationally?Needs a passport endorsement at the branch, not a toggle in the appSettlement currencyWhat the issuer converts into before billing youYour rate, taka per unitRead it off a past statement. This is the all-in figure — it already includes the markup, so leave the two fields below at 0 when you set it.Issuer markup %Only used when no rate is recorded aboveCross-currency fee %The second conversion hop, charged on anything that is not the settlement currencyAnnual travel quota, USDBangladesh Bank caps personal foreign spend; unused quota does not roll over

Your own notes

Not used by the engine. Useful when you are deciding whether to keep a card.

What is good about itComma separatedWhat is notComma separatedAnything else

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Reward rules

What this rail earns you. Without at least one rule the engine assumes it earns nothing and will rank it below rails that do.

0 reward rules on file

Manage cashback and point earning rates.

Manage

Fees & VAT

What it costs to use, by kind of transaction. Cash-out and send-money usually differ sharply from paying a merchant.

0 fee rules on file

Manage transaction fees and limits.

Manage

Offers

Time-bound promotions tied to this rail. They are applied automatically when the window and the merchant both match.

0 active offers

Manage time-bound discounts and cashbacks.

Manage

EMI plans available on this card

Instalment options the issuer offers. These feed the live comparison table on the EMI page.

Instant EMI (partner) 3 mo · 0%3 mo · 0% flat/mo

Instant EMI (partner) 6 mo · 0%6 mo · 0% flat/mo

Instant EMI (partner) 12 mo · 0%12 mo · 0% flat/mo

Smart EMI (any POS) 6 mo · 9% flat6 mo · 0.75% flat/mo · 1% processing

Smart EMI (any POS) 12 mo · 9% flat12 mo · 0.75% flat/mo · 1% processing

Health EMI 12 mo · 7% flat12 mo · 0.5833333333333334% flat/mo · 1% processing