BCEL Visa Platinum Credit Card

Features

  • BCEL VISA Platinum is a chip electronic card with international standards and high security. The card can be used for cash withdrawal, commodities and service payments domestically and internationally.
  • Cardholders will receive a credit limit from the bank according to the regulations. The card has an Interest-free period of up to 45 days (depending on the date spent) in the case of full payment of the amount charged and paid on time.
  • The cardholders can choose to pay only a part of the payment amount, but it must not be less than 10% of the total debt according to the statement of the credit card, a minimum of 20 dollars

Benefits

  • The cardholders can pay for products with Chip Contactless or Tap & Go easily and quickly.
  • Convenient with cashless without having to carry a lot of cash, safely pay for goods or services and travel to various places with the VISA logo around the world.
  • Cardholders can buy goods or pay for services via the Internet, you can use payment services at stores and service points through card swipe machines (EDC/POS) and withdraw cash through ATMs anywhere in the world.
  • The cardholders can link the credit limit with other types of credit cards such as BCEL Co-Brand, BCEL JCB Credit and BCEL World Mastercard. Issuing another card from the same credit limit will not incur a card application fee and will allow you to enjoy the privileges and benefits of using multiple card products.
  • The cardholders can track activities and control credit card usage through BCEL One, which will help them use their credit cards more conveniently and safely.

Application requirements 

  • Lao or foreign nationals.
  • A person with a stable income
  • Provide a permanent address in Laos, if a foreigner must provide a permit or guarantee from the relevant organization
  • Bank need to hold an amount in your account for collateral (for a dollar account, the credit limit on the card is no more than 85% of the collateral, and for kip and baht, the credit limit is not more than 80%);
  • If cardholders prefer to provide other forms of collateral (such as land, buildings, deposits with other banks) or even prefer not to provide any.  They will be offered a credit card by considering the regulations, according to the source of income, occupation, history of accounting transactions, loan history (if any), or from securities as collateral and other conditions deemed necessary;
  • Provide BCEL bank account at least one account with your original identity document (with a valid expiration date). 

 

Note

  • According to the regulations of BCEL, each card has a limit of cash withdrawal and spending per day. The table on withdrawal limits, spending and usage instructions are detailed in the terms and conditions given by the bank as a reference for usage. Therefore, card holders should read the conditions in detail to understand and facilitate the use of the card.
  • Each type of card can withdraw cash and spend 100% of the credit limit. 

Credit Limit

BCEL Visa Platinum Credit Card                    ≤ 100,000 dollars

Fees

Card type

Joining fee

Annual fee

 

Principle card

Supplementary card

Principle card

Supplementary card

 

VISA Platinum Credit

35 USD

25 USD

75 USD

65 USD

 

 

Spending limit 

‚Äč

Descriptions

VISA Platinum Credit

Domestic

‚ÄčInternational

Daily purchase limits (USD) 

30,000

40,000

Daily purchase counts (Times)

50

60

Purchase limits/transaction/day (USD) 

30,000

36,000

Daily cash advance limits (USD) 

4,000

4,000

Daily cash advance counts (Times) 

20

30

Cash advance limits/transaction/day (USD) 

4,000

4,000

Daily online transaction limits/day (USD) 

15,000

18,000

Daily purchase counts (Times) 

20

30