Privilege Programme Terms and Conditions
BRAC Saajan Privilege Programme — Terms & Conditions
These Terms and Conditions (“Terms”) govern participation in the BRAC Saajan Privilege Programme (“the Programme”) and use of the Privilege Card (“the Card”) issued by BRAC Saajan Exchange Ltd (“BRAC Saajan”, “we”, “us”, “our”). By accepting or using the Card, the cardholder (“you”, “the Agent”) agrees to be bound by these Terms.
1. Eligibility
1.1 The Privilege Programme is available only to registered BRAC Saajan agents and is not open to the general public or non-agent customers.
1.2 Eligible agents are automatically enrolled into the Programme; no separate application is required.
1.3 Enrolment does not guarantee entitlement to any specific benefit; each benefit is subject to the agent’s card tier and the individual terms and conditions set out in these Terms.
1.4 BRAC Saajan reserves the right to determine, at its sole discretion, whether an agent qualifies for the Programme.
1.5 Eligibility Assessment Criteria
1.5.1 BRAC Saajan determines an agent’s eligibility for the Programme, and the card tier for which the agent qualifies, using the transaction-performance logic set out below.
1.5.2 Eligibility is assessed based on the agent’s transaction performance over the six-month period from February to July.
1.5.3 To be considered, an agent must have transacted in at least 5 of the 6 months within the assessment period and must have remained active in the most recent months.
1.5.4 Gold Card: the agent’s average monthly transaction volume over the assessment period must be at least £250,000, and the agent’s July transaction volume must also be at least £250,000.
1.5.5 Blue Card: the agent’s average monthly transaction volume over the assessment period must be at least £50,000, and the agent’s July transaction volume must also be at least £50,000.
1.5.6 Not Eligible: agents who are new or whose transaction activity has been inconsistent, and agents who have recently stopped transacting, will not be eligible for the Programme.
1.5.7 Where an agent does not maintain the recent transaction performance required for the Gold Card, the agent may nonetheless qualify for the Blue Card if the Blue Card criteria set out above are met.
1.5.8 BRAC Saajan reserves the right to review, amend, or reapply this eligibility logic (including the assessment period, transaction thresholds, and activity requirements) from time to time, at its sole discretion, in line with Clause 10 below.
2. Card Tiers — Blue Card and Gold Card
2.1 The Programme operates on a tiered card structure comprising the Blue Privilege Card and the Gold Privilege Card.
2.2 An agent’s card tier is determined by BRAC Saajan based on the agent’s sales performance and service standards, assessed against criteria set by BRAC Saajan from time to time, including the eligibility assessment criteria set out in Clause 1.5.
2.3 Each card tier carries its own set of benefits. Agents may only access the benefits attached to the card tier they currently hold; benefits are not interchangeable between tiers.
2.4 Card tier status is reviewed every six month. Depending on ongoing sales and service performance, an agent’s card may be upgraded (e.g. Blue to Gold), downgraded, or remain unchanged, at BRAC Saajan’s sole discretion.
2.5 A change in card tier will result in a corresponding change to the benefits available to the agent, effective from the date BRAC Saajan applies the change.
3. BRAC Bank Probashi Savings Account Reward
3.1 A cash reward is payable to the Agent for each new BRAC Bank Probashi Savings Account opened, subject to the minimum deposit requirement and the reward amount applicable to the Agent’s card tier, as set out below.
Gold Privilege Card
- £7.00 reward per new BRAC Bank Probashi Savings Account opening, subject to a minimum deposit of £20,000.
Blue Privilege Card
- £5.00 reward per new BRAC Bank Probashi Savings Account opening, subject to a minimum deposit of £20,000.
3.2 The reward is paid at BRAC Saajan’s discretion once the account-opening and minimum deposit conditions have been verified, and is subject to BRAC Bank’s own terms and conditions for the Probashi Savings Account.
3.3 The reward has no cash alternative beyond the stated amount and cannot be combined with any other new-account promotion unless expressly stated by BRAC Saajan or BRAC Bank.
4. Airport Protocol Services
4.1 Airport Protocol Services are available according to the Agent’s card tier, as follows:
Gold Privilege Card
- Airport Protocol Services for up to 4 people per booking, limited to 2 trips per calendar year, per Agent.
Blue Privilege Card
- Airport Protocol Services for up to 2 people per booking, limited to 2 trips per calendar year, per Agent.
4.2 Bookings must be requested in advance through the channels designated by BRAC Saajan (e.g. your Relationship Manager). Availability is not guaranteed and is subject to capacity at the relevant airport.
4.3 Unused trips or allowances do not roll over to the following year and have no cash value.
4.4 BRAC Saajan is not liable for delays, cancellations, or service issues caused by the airport, airline, or third-party protocol service provider.
5. Domestic Flight Booking Assistance (Bangladesh)
.1 Assistance with domestic flight booking in Bangladesh is available to Agents according to their card tier, as follows:
Gold Privilege Card
- Assistance with domestic flight booking in Bangladesh.
Blue Privilege Card
- Assistance with domestic flight booking in Bangladesh.
5.2 This is an assistance service only; flight availability, pricing, and airline terms are determined by the relevant airline and are outside BRAC Saajan’s control.
5.3 Any airline fees, taxes, or charges are the responsibility of the Agent.
6. Hotel & Resort, Food, and Clothing Discounts
6.1 Discounts are available to Agents according to their card tier, as follows:
Gold Privilege Card
- Hotel & Resort Discounts: available at selected locations.
- Food Discounts: available at selected restaurants.
- Clothing Discounts: available at selected shops.
Blue Privilege Card
- Hotel & Resort Discounts: available at selected locations.
- Food Discounts: available at selected restaurants.
- Clothing Discounts: available at selected shops.
6.2 Participating partners, discount rates, and locations may change without prior notice and are not guaranteed to be available at all times or in all areas.
6.3 Discounts cannot be combined with other offers or promotions unless expressly stated by the partner establishment.
6.4 Agents may be required to present the Card and/or valid identification to claim a discount.
7. Dedicated Relationship Manager
7.1 Access to a dedicated BRAC Bank Relationship Manager is provided according to the Agent’s card tier, as follows:
Gold Privilege Card
- Dedicated BRAC Bank Relationship Manager, based on the Agent’s account with BRAC Bank.
Blue Privilege Card
- Dedicated BRAC Bank Relationship Manager, based on the Agent’s account with BRAC Bank; terms and conditions apply.
7.2 This service is subject to BRAC Bank’s own terms and conditions and may be amended, reassigned, or withdrawn in line with those terms.
8. Annual Health Check-up
8.1 The annual health check-up benefit is available according to the Agent’s card tier, as follows:
Gold Privilege Card
- Annual Health Check-up for the cardholder only, eligible up to 3 directors for Limited Companies (LTD), 1 partner for Partnerships, and 1 individual for Sole Traders.
Blue Privilege Card
- Not included in the Blue Privilege Card benefits.
8.2 The health check-up must be booked and used within the relevant Programme year and does not carry over if unused.
8.3 The scope of the health check-up (tests included, provider, and location) is determined by BRAC Saajan and its healthcare partners and may vary from time to time.
9. Airport Lounge Services
9.1 Airport Lounge Services are available according to the Agent’s card tier, as follows:
Gold Privilege Card
- Airport Lounge Services included.
Blue Privilege Card
- Not included in the Blue Privilege Card benefits.
9.2 Airport lounge access is available subject to the terms of the lounge network or provider in use at the time, including lounge location, capacity, and opening hours.
9.3 BRAC Saajan is not responsible for lounge closures, capacity restrictions, or changes made by the lounge operator.
10. BRAC Saajan's Rights to Change or Withdraw the Programme
10.1 BRAC Saajan reserves the absolute right, at its sole discretion and at any time, without prior notice and without liability, to:
- cancel the Programme in whole or in part;
- add, remove, suspend, or modify any benefit, rule, eligibility criterion, or card tier;
- change the sales and service criteria used to determine card tiers; and
- withdraw an agent’s participation in the Programme or downgrade/revoke a card.
10.2 Where practical, BRAC Saajan will aim to give reasonable notice of significant changes, but is under no obligation to do so, and continued participation in the Programme after any change constitutes acceptance of that change.
10.3 BRAC Saajan’s decisions relating to the Programme, including card tier assignment, benefit eligibility, and any modification or withdrawal of rules or services, are final.
11. General Terms
11.1 Non-transferable. The Card and its benefits are personal to the named Agent and may not be transferred, sold, or assigned to any other person, except where a benefit expressly extends to named additional individuals (e.g. Airport Protocol Services, Annual Health Check-up as set out above).
11.2 No cash alternative. Benefits have no cash value and cannot be exchanged for cash, credit, or any alternative benefit.
11.3 Third-party providers. Certain benefits are delivered by third-party partners (including but not limited to airlines, hotels, retailers, healthcare providers, and lounge operators). BRAC Saajan is not liable for the acts, omissions, service quality, or availability of any third-party provider.
11.4 Misuse. BRAC Saajan reserves the right to suspend or terminate an Agent’s participation in the Programme, without notice, in cases of suspected misuse, fraud, or breach of these Terms.
11.5 Card loss or damage. Lost, stolen, or damaged Cards should be reported to BRAC Saajan immediately. A replacement Card may be issued at BRAC Saajan’s discretion and may be subject to a fee.
11.6 End of agency relationship. If an individual ceases to be a registered BRAC Saajan agent, their participation in the Programme and all associated benefits end automatically, unless BRAC Saajan states otherwise.
11.7 Governing law. These Terms are governed by the laws of England and Wales, without prejudice to any additional terms that apply to services provided in Bangladesh by BRAC Bank or its partners.
11.8 Contact. For questions about the Programme, your card tier, or to make use of any benefit, please contact your Relationship Manager or BRAC Saajan directly.
These Terms and Conditions were last updated on September 25, 2026.