💳
Flexible Payment Solutions
Credit Card EMI Guide & Calculator
Indulge in 100% authentic luxury fragrances without compromise. Perfume Shop BD offers flexible Credit Card Equal Monthly Instalments (EMI) from 3 to 36 months on eligible cards from 29 partner banks across Bangladesh via SSLCommerz.
🏦 29 Partner Banks
📅 3 to 36 Mo. Tenure
⚡ Instant Processing
🔒 SSLCommerz 256-Bit
🧮 Instalment Calculator
Estimate your monthly payment and charges based on your purchase amount and desired repayment duration.
৳
Quick:
⚠️ Minimum order amount for Credit Card EMI is ৳5,000 BDT.
Estimated Monthly Instalment
৳1,718 / month
Selected Duration:
6 Months
Selected Bank:
The City Bank Ltd.
Base Order Amount:
৳10,000
Bank Convenience Fee / Interest:
৳309 (3.09%)
Total Payable Amount:
৳10,309
Why Choose Credit Card EMI?
- No Heavy Upfront Cost: Own high-end niche fragrances (Creed, Tom Ford, Roja, Xerjoff, Parfums de Marly) without draining your monthly budget.
- Flexible Durations: Customise your repayments from 3 to 36 months to fit your financial plans.
- 100% Digital & Paperless: No bank visits, no paperwork, and no branch approvals required.
- Instant Confirmation: Your order is approved immediately and dispatched via express courier.
Important Terms & Conditions
1. Credit Card Only: As mandated by Bangladesh Bank, EMI is strictly restricted to valid credit cards. Debit cards, prepaid cards, bKash, Nagad, and Rocket are not eligible for EMI.
2. Minimum ৳5,000 Threshold: The shopping cart subtotal after any applied coupons or discounts must be at least ৳5,000 BDT.
3. Available Limit: Your credit card must possess an unblocked credit limit equal to or greater than the total purchase amount.
4. Bank Conversion Cycle: Your issuing bank automatically blocks the total order sum and debits the designated monthly instalment on each billing cycle.
5. Returns on EMI Orders: In accordance with our Return & Refund Policy, returns on EMI purchases are processed back to the customer's credit card account through SSLCommerz.
🚀 How to Avail EMI on Perfume Shop BD
Follow these 4 simple steps to complete your purchase using SSLCommerz EMI.
1
Add Fragrances to Cart
Select your perfumes and add them to your cart. Ensure the total value is ৳5,000 or above.
2
Proceed to Checkout
Fill in your address and choose Credit/Debit Card / SSLCommerz payment option.
3
Select the EMI Tab
On the secure SSLCommerz gateway portal, click on the EMI tab next to Cards.
4
Choose Bank & Tenure
Pick your credit card bank and tenure (3 to 36 mo). Authorize with OTP to complete instantly!
🏛️ 29 Partner Banks & Tenures Matrix
Tenure options and card compatibility across all SSLCommerz partner banks in Bangladesh.
Showing 29 Partner Banks
| Partner Bank | Cards Supported | Min. Order | Tenure Options | Standard Rates | Action |
|---|---|---|---|---|---|
|
Standard Chartered Bank (SCB)
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.09% – 28.5% | |
|
The City Bank Ltd.
|
American Express (Amex), Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.20% – 29.0% | |
|
Eastern Bank Ltd. (EBL)
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.09% – 28.0% | |
|
BRAC Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.15% – 28.5% | |
|
Dutch-Bangla Bank Ltd. (DBBL)
|
Nexus, Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.50% – 22.0% | |
|
Mutual Trust Bank Ltd. (MTB)
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.10% – 28.0% | |
|
Southeast Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.30% – 22.5% | |
|
Premier Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.40% – 28.0% | |
|
Dhaka Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.25% – 28.5% | |
|
Prime Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.20% – 28.0% | |
|
NRB Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.35% – 22.0% | |
|
United Commercial Bank (UCB)
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.20% – 28.0% | |
|
Jamuna Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.40% – 22.0% | |
|
NCC Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.30% – 28.0% | |
|
Bank Asia Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.25% – 28.5% | |
|
Midland Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.50% – 22.0% | |
|
Meghna Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.50% – 22.0% | |
|
Modhumoti Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.50% – 22.0% | |
|
Shimanto Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.50% – 22.0% | |
|
South Bangla Agriculture & Commerce (SBAC)
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.50% – 22.0% | |
|
Standard Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.50% – 22.0% | |
|
Community Bank Bangladesh
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.50% – 22.0% | |
|
Trust Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.30% – 28.0% | |
|
Commercial Bank of Ceylon
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.40% – 22.0% | |
|
One Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.30% – 28.0% | |
|
LankaBangla Finance Ltd.
|
Mastercard, Visa
|
৳5,000 | 3, 6, 9, 12, 18, 24, 30, 36 Mo | 3.50% – 29.0% | |
|
IPDC Finance Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.50% – 22.0% | |
|
Shahjalal Islami Bank Ltd.
|
Visa
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.50% – 22.0% | |
|
EXIM Bank Ltd.
|
Visa, Mastercard
|
৳5,000 | 3, 6, 9, 12, 18, 24 Mo | 3.50% – 22.0% |
Standard Chartered Bank (SCB)
💳 Visa, Mastercard
Std. Fee
3.09% – 28.5%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
The City Bank Ltd.
💳 American Express (Amex), Visa, Mastercard
Std. Fee
3.20% – 29.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
Eastern Bank Ltd. (EBL)
💳 Visa, Mastercard
Std. Fee
3.09% – 28.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
BRAC Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.15% – 28.5%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
Dutch-Bangla Bank Ltd. (DBBL)
💳 Nexus, Visa, Mastercard
Std. Fee
3.50% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
Mutual Trust Bank Ltd. (MTB)
💳 Visa, Mastercard
Std. Fee
3.10% – 28.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
Southeast Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.30% – 22.5%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
Premier Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.40% – 28.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
Dhaka Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.25% – 28.5%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
Prime Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.20% – 28.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
NRB Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.35% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
United Commercial Bank (UCB)
💳 Visa, Mastercard
Std. Fee
3.20% – 28.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
Jamuna Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.40% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
NCC Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.30% – 28.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
Bank Asia Ltd.
💳 Visa, Mastercard
Std. Fee
3.25% – 28.5%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
Midland Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.50% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
Meghna Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.50% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
Modhumoti Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.50% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
Shimanto Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.50% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
South Bangla Agriculture & Commerce (SBAC)
💳 Visa, Mastercard
Std. Fee
3.50% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
Standard Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.50% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
Community Bank Bangladesh
💳 Visa, Mastercard
Std. Fee
3.50% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
Trust Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.30% – 28.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
Commercial Bank of Ceylon
💳 Visa, Mastercard
Std. Fee
3.40% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
One Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.30% – 28.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
LankaBangla Finance Ltd.
💳 Mastercard, Visa
Std. Fee
3.50% – 29.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24, 30, 36 Mo
IPDC Finance Ltd.
💳 Visa, Mastercard
Std. Fee
3.50% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
Shahjalal Islami Bank Ltd.
💳 Visa
Std. Fee
3.50% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
EXIM Bank Ltd.
💳 Visa, Mastercard
Std. Fee
3.50% – 22.0%
Min. Order
৳5,000
Tenures
3, 6, 9, 12, 18, 24 Mo
🔍 No partner bank found matching your search term. All 29 banks support standard Visa & Mastercard credit cards.
⚖️ EMI Disclaimer & Important Notice
Official PolicyPlease be informed that EMI interest rates, processing fees, and related charges are determined solely by the respective bank and may change at any time according to the bank's policies. We do not provide, control, or manage the EMI facility directly. The EMI service is processed through the SSL Commerce platform in collaboration with your bank.
Before proceeding with an EMI transaction, please check with your respective bank regarding EMI terms, interest rates, installment plans, eligibility, and any other related conditions. For any clarification or confusion regarding EMI, please contact your bank directly.
For any problem or issue related to EMI payment processing, you may also contact SSL Commerce through the following address and communication channels:
🏢 SSL Commerce
93 B, New Eskaton Road, Dhaka-1000
Phone: +880-9677-726222, +880-2-8316969
Email: [email protected]
❓ Frequently Asked Questions
Clear answers to common questions about Credit Card EMI at Perfume Shop BD.
Which perfume shop provides EMI in Bangladesh?
▾
Perfume Shop BD is the premier authentic fragrance retailer in Bangladesh offering official Credit Card EMI across 29 partner banks through SSLCommerz. We provide 3 to 36-month flexible instalment options on 100% authentic designer and niche perfumes with instant checkout authorization and zero paper documentation.
Can I buy luxury and niche perfumes on EMI in Bangladesh?
▾
Yes! All authentic perfumes in our catalog—including ultra-luxury and niche masterpieces from Creed, Tom Ford, Xerjoff, Parfums de Marly, Roja Parfums, Amouage, Chanel, and Dior—qualify for Credit Card EMI when your cart subtotal reaches ৳5,000 BDT.
Can I avail EMI using a Debit Card or bKash / Nagad?
▾
No. In accordance with Bangladesh Bank guidelines, Equal Monthly Instalment (EMI) facilities are strictly available on credit cards issued by our 29 partner banks. Debit cards and Mobile Financial Services (bKash/Nagad) cannot be converted to EMI.
What is the minimum purchase amount required for EMI?
▾
The minimum order subtotal to qualify for Credit Card EMI is ৳5,000 BDT. You can combine multiple perfumes, decants, or gift sets in your cart to reach the ৳5,000 threshold.
How does the 0% EMI promotional campaign work?
▾
During special promotional campaigns arranged by SSLCommerz and Perfume Shop BD, eligible credit cards enjoy 0% interest and 0% convenience charges on select tenures (e.g. 3 or 6 months). When active, the 0% campaign banner is displayed prominently at the top of this page and during checkout.
How does the bank debit the money from my credit card?
▾
Upon successful transaction authorization, your card issuer blocks the total invoice amount from your available credit limit. Then, on each monthly statement date, one instalment amount is charged to your bill, and that portion of your credit limit is progressively released.
What if I need to return or cancel an EMI order?
▾
If an order is cancelled or an eligible return is approved under our Return & Refund Policy, Perfume Shop BD initiates a full gateway refund via SSLCommerz back to your credit card. Your card-issuing bank will then adjust your credit limit and unwind the EMI schedule according to their internal policies.
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