Interest-free credit card

Get credit. Pay in 3.

Zero interest · timed to your salary

Shop today and split what you spend into three payments. No interest is charged on any of them — the total you owe is the price on the tag.

Instant approval

৳1,000

Approved as soon as your receipts check out.

No application fee
4 www.BargainnShop.com receipts required
Minimum total purchase ৳4000

Higher limit

Up to ৳10,000

Reviewed against your job, your payslips and a guarantor.

Application fee ৳100
Permanent job and full documents
Guarantor and bank verification

Who can apply

Four things are true of every applicant

Both tiers ask for these. Neither route is open without all four.

Bangladesh citizen
You must hold Bangladeshi nationality.
Valid NID
Your national ID card. We check the number and keep only a one-way fingerprint of it, never the number itself.
bKash account
An active personal bKash number in your own name.
Bank account
An active bank account in your name, ideally the one your salary lands in.

Income

You need a job and a salary we can plan around

Every instalment is timed to your pay day, so regular income is not a preference — it is what the schedule is built from. The floor is ৳10,000 a month.

You must be earning
A job, a business or self-employment — but income that arrives every month, not occasionally.
At least ৳10,000 a month
Take-home, not gross. Below this the instalments cannot be met comfortably, so we would be setting you up to miss one.
A pay day we can time to
The day of the month the money arrives. Every instalment is set to fall just after it.
How long you have been there
Time in your current job or business. A longer record makes a higher limit easier to approve.

Verification

What we check, and when we ask for it

Most of this you type into the application in a few minutes. Only the last two are documents, and a reviewer asks for those during your identity check — nothing needs scanning before you apply.

Business or service

On the form

Which kind of earner you are, and how long you have been doing it.

NID number

On the form

Kept as a one-way fingerprint. The card itself is checked at verification.

bKash account

On the form

Your personal bKash number. A statement may be asked for during the check.

Bank account

On the form

Bank name and account number. A recent statement may be asked for.

Father's name

On the form

As it appears on your NID, which is what it is checked against.

Reference company

On the form

A company that can vouch for you, with someone there we can contact.

Shop information

On the form

Where you shopped, and what the receipts backing your application come to.

Invoices and receipts

At check

The original shop invoices, requested during the identity check.

Company documents

At check

Trade licence or company papers, if you are applying as a business.

Instant tier

৳1,000, approved on the spot

No job letter, no guarantor and no fee. What you show us instead is 4 receipts from shopping you have already done.

1
Shop at BargainnShop.com
Buy what you were going to buy anyway, and keep the receipt for every order.
2
Collect 4 separate receipts
4 different orders, not one order counted 4 times. This part is compulsory.
3
Reach ৳4000 between them
The 4 receipts have to add up to at least ৳4000 in total.
4
One large receipt is still one receipt
A single order worth ৳4000 meets the total on its own, but you would still need 3 more receipts.
5
We verify them
Once the receipts check out, ৳1,000 of credit is approved instantly.
6
Nothing to pay
There is no application fee on this tier, and none on the credit itself.

Higher limit

Up to ৳10,000, with documents

Ten times the instant limit, so a person reads every application. Have these ready and the review is one sitting rather than three.

Proof of permanent employment
A letter or contract from your employer confirming the job is permanent.
Last 5 consecutive payslips
Five in a row, ending with the most recent month.
Signed guarantor form
One guarantor, on our form. We send it to you once you apply.
Proof of a bank-approved credit card
Any credit card issued to you by a bank.
Recent bank statement
The latest statement for the account your salary is paid into.
NID, bKash and bank details
A copy of your NID card, plus your bKash number and bank account number.

Application fee ৳100. It covers the guarantor and bank checks, and it applies to this tier only — the instant tier is free to apply for.

Meet the four? Then you can apply today.

The form takes a few minutes. You will see what your own figures point to before you send anything.

Apply now How the payments work

Meeting the conditions on this page lets you apply; it is not an approval. Every application is subject to an identity check, and the limit on the higher tier is set by a reviewer against your verified income, so it may be lower than the maximum shown or declined outright. Interest is never charged on a WePay4U plan. A payment made after the grace period attracts a flat fee, capped per order, which never compounds.