Dutch Bangla Bank has been issuing Visa EMV credit cards since November 2008 and MasterCard EMV credit cards since April, 2010. Although Dutch Bangla Bank's entrance in credit card services was delayed, it made a difference in the market by issuing the most secure EMV credit cards from the first day. The EMV credit cards consist of Dynamic Data Authentication (DDA) chip and Multos operating system. It ensures additional software level security for chips.
Due to security, other card-issuing banks in Bangladesh usually block customers' International transactions and require the customer to make prior phone calls to the card-issuing bank to open international transactions in their card. When a customer returns to Bangladesh, he/she has to call the bank to block their cards' international transactions. Sometimes card-issuing banks replace the customer's card when the customer visits high risk countries such as Malaysia, Thailand etc. But with Dutch Bangla Bank's EMV enabled chip cards there is no such hassle as international transactions are always open and the customer is fully secured. In addition to providing security Dutch Bangla Bank also charges the lowest Interest rate in the market on purchase transaction and has a maximum of 50 days interest free (grace) period.