Side-by-side comparison
Representative card comparison — tiers differ, so compare by use case
| Card / Bank | Annual fee | Interest / finance | Fee waiver | Lounge / travel | Cashback / reward | Best fit |
|---|---|---|---|---|---|---|
| BRAC Bank Visa Gold Flexi | Tk 1,500* | 25% p.a.* | Campaign/condition based; verify current rule | Verify tier-specific benefits | BRAC Visa Cashback card offers welcome vouchers + 1% cashback on eligible retail spend for the first 3 months, capped at Tk 300/month | Lower-fee mainstream option / BRAC ecosystem |
| EBL Visa Platinum | Verify current SOC | Verify current SOC | Annual/renewal fee waiver with 24 transactions/year | Complimentary SKYLOUNGE + Priority Pass program | SKYCOINS / EBL reward ecosystem | Frequent traveller + lounge user |
| EBL Shwapno Titanium Mastercard | Issuance-waiver condition exists; verify current SOC | Verify current SOC | Renewal fee waiver with 24 transactions/year | Up to 6 complimentary SKYLOUNGE accesses/year | Shwapno/co-brand benefits; check current offers | Groceries + lounge + simple waiver target |
| City Bank Visa Platinum | Tk 1,500 | 25% p.a. (2.08% monthly) | Verify current product condition | Complimentary lounge benefit is not listed on this Visa Platinum fee sheet | Depends on product/offer | Lower annual-fee City Bank Visa option |
| City Bank Visa Infinite | Tk 10,000 | 25% p.a. (2.08% monthly) | Verify current product condition | Priority Pass; published visit bill USD 35/person plus listed lounge-access fees | Premium-card offers/product benefits | Premium/travel user if benefits justify the fee |
| Bank Asia Gold | Tk 2,500 | Verify regular finance rate in current SOC; card EMI published at 11.99% flat p.a. | Verify current waiver rules | Verify by tier/product | Reward/discount program; check current campaigns | Bank Asia customer / mid-tier comparison |
Feature pivot: what to shortlist by use case
✓ = published strength/useful shortlist; — = not the primary reason in this comparison
| Use case | BRAC Gold Flexi | EBL Platinum | EBL Shwapno Titanium | City Visa Platinum | City Visa Infinite | Bank Asia Gold |
|---|---|---|---|---|---|---|
| Low annual fee | ✓ Tk 1,500 | Check SOC | Check SOC | ✓ Tk 1,500 | — Tk 10,000 | Tk 2,500 |
| Easy renewal waiver | Offer-dependent | ✓ 24 transactions | ✓ 24 transactions | Verify | Verify | Verify |
| Domestic airport lounge | Verify tier | ✓ SKYLOUNGE | ✓ up to 6/year | — | Published paid-access structure | Verify tier |
| International lounge/travel | Verify tier | ✓ Priority Pass program | Check product terms | — | ✓ Priority Pass | Verify tier |
| Cashback/rewards | ✓ BRAC reward/cashback ecosystem | ✓ SKYCOINS | ✓ co-brand benefits | Offer-dependent | Premium offers | Rewards/offers |
So which one should you choose?
Keep annual fees low
BRAC Gold Flexi and City Visa Platinum both show a published Tk 1,500 annual fee; then compare waiver rules, rewards and your bank relationship.
Lounge matters most
Start with EBL Platinum/Shwapno Titanium. EBL clearly publishes SKYLOUNGE benefits; for premium international lounge use, compare EBL premium tiers with City Visa Infinite terms.
You do not pay in full monthly
Ignore rewards initially and compare finance charges. A 25% p.a. borrowing cost can quickly erase small cashback value.
Shopping/grocery spender
Alongside generic cards, compare your actual merchant/category value from EBL Shwapno co-brand and BRAC cashback/reward products.
Calculate card value for yourself
Net annual value = cashback/rewards used + lounge value + discounts − annual fee − unavoidable charges − interest paidTreat marketing benefits you will not actually use as having zero value.
Sources & references
- BRAC Bank — Visa Cashback Credit CardWelcome benefits and cashback terms.
- EBL — Credit CardsPlatinum, co-brand, SKYLOUNGE and waiver highlights.
- EBL — Shwapno Titanium24-transaction waiver and lounge-access details.
- City Bank — Visa Credit Card FeesVisa Platinum/Infinite fees, interest, FX and lounge-related charges.
- Bank Asia — Credit Card Fees 2026Tier-wise annual fees, cash advance and EMI charges.