Prime Bank PLC has launched Zero by Prime, a Visa Signature credit card that redefines how customers experience banking in Bangladesh. As the country’s first truly fee-free credit card, it combines premium lifestyle benefits with total financial transparency. Zero by Prime isn’t just another card—it’s a bold move toward customer-first innovation in retail banking.

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Why Zero by Prime Stands Out
Zero Means Zero Fees
Traditional credit cards often come with scheduled and hidden costs. Zero by Prime eliminates them all. This structure ensures customers enjoy the full value of their card without worrying about unexpected charges.
One of the most compelling aspects of ZERO BY PRIME BANK is its commitment to eliminating common credit card fees. You won’t have to worry about extra charges eating into your finances, as this card comes with a remarkable list of “zero fees”:
• No Issuing Fee: Get started with no upfront cost; your card is issued completely free.
• No Annual Fee: Enjoy lifelong benefits without paying any yearly maintenance charges.
• No Over Limit Fee: You can enjoy up to 50 days interest-free with no over-limit fees.
• No Mobile Wallet Transfer Fee: Transfer funds to your mobile wallet without any extra charge.
• No EMI Processing Fee: Convert purchases into 0% EMI plans without any processing costs.
• No SMS Alert Fee: Stay updated with real-time alerts at no additional cost.
• No PIN Replacement Fee: Need a new PIN? Get it for free.
• No Statement Retrieval Fee: Access your statements anytime you need them, without paying a fee.
With ZERO BY PRIME BANK, there are no hidden charges, ensuring you pay absolutely nothing in maintenance fees year after year
Built for Accessibility
One of the standout features is its blind notch design, allowing visually impaired customers to identify and use their cards independently. This small but meaningful addition reflects Prime Bank’s commitment to inclusion and user-friendly innovation.
Zero Prime Benefits
Beyond its zero-fee structure, ZERO BY PRIME BANK is loaded with premium benefits designed to enhance your lifestyle and financial flexibility:
• Worldwide Acceptance: The card offers worldwide ATM, POS, and E-commerce acceptance, allowing you to use it anywhere—whether shopping online, paying in-store, or withdrawing cash globally and locally.
• 0% EMI Facility: This allows you to convert your purchases into easy monthly installments without paying any interest. This makes big or unexpected expenses more manageable by spreading the cost over several months, reducing financial pressure. These EMI plans come with flexible tenures (3, 6, 9, or 12 months) and are available at thousands of partner merchants. They are activated instantly at checkout with no processing fees and no surprise interest. While the card also offers an Easy Pay Plan (EPP) for larger purchases with half the usual interest, the 0% EMI facility stands out for eliminating interest costs entirely.
• Built-in Insurance Coverage: The card provides financial protection against unforeseen events, ensuring peace of mind during emergencies or accidents.
• International Airport Lounge Access: Enjoy the privilege to relax, refresh, and enjoy premium facilities at exclusive lounges worldwide, making your travel experience more comfortable and stress-free (a charge is applicable for this service).
• Reward Points: Turn your daily expenses into valuable rewards! You earn 1 Reward Point for every BDT 50 spent, which can be redeemed later.
• Convenient Bill Payment Options: Easily pay your card bill directly from your card.
• Smart Services through MyPrime App: Manage your card effortlessly, track expenses, and access exclusive features with the MyPrime app.
• 24/7 Contact Center Support: Get assistance anytime with round-the-clock customer service.
• Security, Comfort, and Rewards: Whether you’re shopping or traveling, ZERO BY PRIME BANK is your ultimate companion, making every purchase seamless, rewarding, and convenient
Premium Benefits at a Glance
Feature | Details |
---|---|
Worldwide Acceptance | Use globally at ATMs, POS terminals, and online platforms. |
0% EMI Facility | Convert purchases into installments (3, 6, 9, or 12 months) with no fees. |
Insurance Coverage | Built-in protection against unforeseen financial risks. |
Airport Lounge Access | Relax at premium lounges worldwide (with applicable charges). |
Reward Points | Earn 1 point per BDT 50 spent, redeemable for future purchases. |
Smart Utilities | Bill payments and management through the MyPrime app. |
24/7 Customer Support | Round-the-clock assistance ensures peace of mind anytime. |
Strategic Significance
Reinventing Cost Structures
By removing all traditional credit card fees, Prime Bank has challenged the status quo. This transparent structure lowers the entry barrier to premium credit facilities and sets a new benchmark in consumer banking.
Competitive Edge
In a crowded market, Zero by Prime differentiates itself by blending luxury with affordability. It appeals to both aspirational customers seeking lifestyle benefits and everyday users who value cost transparency.
Financial Inclusion
The accessible design, fee-free model, and inclusive features reflect Prime Bank’s broader mission—making financial tools available and practical for all segments of society.
Industry Reception
The launch event was spearheaded by Nazeem A. Choudhury, Deputy Managing Director of Consumer Banking at Prime Bank, alongside Sabbir Ahmed, Country Manager for Visa. Both emphasized how the card reflects a shift toward convenience, transparency, and premium value in Bangladesh’s financial sector.
Industry analysts note that Zero by Prime positions Prime Bank as a customer-first innovator, while setting a new competitive standard that could pressure other banks to follow suit.
Who Should Consider Zero by Prime?
- Frequent travelers seeking lounge access and global usability.
- Young professionals who want transparent, fee-free banking.
- Everyday shoppers looking to earn rewards from daily expenses.
- Financially cautious users who value control without surprise costs.
- Visually impaired customers who need an accessible, thoughtful product.
Market Impact and Future Outlook
Zero by Prime could reshape expectations in Bangladesh’s credit card industry. As adoption grows:
- Consumers will expect greater transparency from banks.
- Competitors may be forced to reevaluate hidden charges.
- Regulators could look at Zero’s model as a benchmark for fair consumer practices.
This launch signals that Prime Bank is not only responding to customer pain points but also pushing the market toward a new era of customer-centric banking.

ZERO BY PRIME BANK is designed to give you control over your finances with no fees and full rewards. It’s an ultimate companion for both online and in-store shopping, ensuring every purchase is seamless, rewarding, and convenient. Apply for your ZERO BY PRIME BANK Credit Card today and start your premium journey with absolutely zero cost
Final Thoughts
Zero by Prime is more than just a credit card—it’s a statement. By combining zero fees, premium benefits, and inclusive design, Prime Bank has created a product that balances lifestyle and accessibility with financial responsibility.
For consumers, it offers a chance to enjoy a premium banking experience without hidden costs. For the industry, it challenges outdated norms and sets a bold precedent for transparency, innovation, and trust.