Credit card usage by Bangladeshi citizens living abroad has reached its highest levels in the United States, positioning the U.S. as the leading choice for overseas card payments made by people from Bangladesh. This shift reflects changes in travel behavior, online spending, and remittance-related financial activity. According to recent data, the U.S. surpassed India to become the leading destination for Bangladeshi credit card usage abroad, now accounting for the highest amount of spending. India has now dropped to sixth place in this ranking, signaling a notable trend in how and where overseas Bangladeshis are using their cards. The rise in U.S.-based transactions is driven in part by an increasing number of students, professionals, and visitors engaging in digital payments for education, healthcare, travel, and retail purchases. Many of these users prefer credit cards for their convenience, security, and access to global e-commerce platforms. In contrast, spending through Bangladeshi cards in India has declined, possibly due to fewer cross-border visits and limited acceptance of foreign-issued cards in certain sectors. Regulatory changes and evolving travel patterns may also have influenced this drop. In general, the use of credit cards by Bangladeshi citizens while traveling overseas has been increasing consistently. The availability of internationally accepted cards issued by local banks has made it easier for users to transact while traveling, studying, or conducting business overseas. These cards are also widely used for subscribing to online services, booking tickets, and making purchases from global retailers. Experts suggest that this trend shows the financial landscape in Bangladesh is growing and becoming more developed. With more people accessing banking services and adopting digital payment tools, credit cards are becoming a key part of cross-border financial activity. This helps increase formal remittance inflows and supports better tracking of foreign currency spending. Banks in Bangladesh have been expanding their credit card services with added features such as dual currency options, travel insurance, and reward programs tailored to overseas users. These offerings enhance customer convenience and encourage responsible card usage while traveling or working abroad. As more Bangladeshis engage in global commerce, digital payments like credit cards play an important role in connecting users to international markets. The growing adoption of formal payment tools also aligns with national efforts to modernize the financial system and promote secure, traceable transactions. This shift in usage patterns highlights not just changes in destination preferences but also the increasing integration of Bangladeshi users into the global financial ecosystem.
