BCEL JCB Credit Card

Product: BCEL JCB Credit Card

Key Features

• The JCB credit card offers competitive fees compared to other types, adhering to international chip card standards for enhanced security. It supports cash withdrawals and payments for goods/services, tailored to each card's specifications. Cardholders can apply for up to 2 supplementary cards.
• This card facilitates payments for goods, services, and online transactions. It provides an interest-free period of up to 45 days, contingent upon full and timely repayment of the outstanding balance.
• Cardholders have the flexibility to make partial payments, with a minimum requirement of 10% of the total statement balance or at least $20.
• It enables cash withdrawals from ATMs and payments at merchants displaying the JCB acceptance symbol, both domestically and internationally.

Terms of Use

1. Available to Lao or foreign nationals.
2. Applicants must demonstrate stable income.
3. Proof of address is required; foreigners must provide a Work Permit/Stay Permit or guarantee from relevant authorities.
4. Collateral requirements apply, with the card's limit capped at 85% of the pledged amount for USD and 80% for other currencies.
5. Non-collateral options are available through application to the credit committee, according to regulations.
6. Applicants must abide by contractual terms and legal obligations.
7. A minimum of one account with BCEL is mandatory, with identification through an ID card, passport, or Family register book.

Additional Information

• Each card is subject to daily limits for cash withdrawals and spending limits as specified in the terms and conditions provided by the bank. Cardholders are advised to thoroughly review these conditions for optimal card usage.
• Each type of card can withdraw cash and spend 100% of the credit limit.

Credit Limit

1. JCB Credit Gold Card   ≤ $30,000
2. JCB Credit Classic Card         ≤ $10,000

Card Fees

Spending Limits