VISA Gold Credit Card

Celebrate your path to success with the Credit Card that gives you great savings.

  • Up to 51 days of Interest – Free – Credit
  • SMS Alert in every transaction to ensure high security.
  • Enjoy attractive Promotional discounts right throughout the year, when you pay with your Seylan VISA Gold Credit Card. 
  • Manage your Credit Card payments with convenience using the Call & Convert (Pay plans page) Installment Plan Facility.
  • Enjoy purchasing with 0% interest free Installment Schemes on selected categories
  • View your statements on the go with Seylan e-statement.
  • Purchase your “Return Air Ticket” using your Visa Gold Credit Card and obtain a Travel Insurance cover at a minimal rate.
  • Enjoy Flexible payment plans with “Seylan Express Cash”. 
  • Get a “Cash Advance” from your Seylan Gold Credit Card from any ATM machine.
  • Supplementary Credit Card for your loved ones. 
  • Transfer your other bank Credit Card balances to Seylan Credit Card and enjoy savings using Seylan Bank Balance Transfer Instalment Plan (SBTIP)option ( T & C Apply)
  • Seylan VISA Gold Credit Card is now Paywave enabled making transactions swift and easy for all customers.
  • Get your Seylan Credit Card updates via a SMS Anywhere, Anytime.
  • First Year Joining Fee Charged & Annual Fee Second Year Onwards.

Get started:


  • Sri Lankan citizens of 18 years and above
  • Minimum monthly income of LKR 200,000.00(net).


Instant Credit Card when you place a Fixed Deposit as Security, with 90% of your deposit value as your Credit Card Limit. Click here to view tariff 

Documents Required:

  • National Identity Card
  • Last 3 Months Certified Pay slips
  • Billing Proof
  • Letter of Confirmation

Note : Any other documents pertaining to the matter will be requested by the bank, to ensure better customer service in the future. 

Apply Now: 

Option 1 :

Simply submit a request form.

Option 2 :

Simply call us on 24/7 our customer care +94 11 200 88 88

Option 3 :

Visit the nearest Branch

Check your Balance via SMS;

For a single card;

Type SBK CC & Send to 3040 from your registered mobile number

If you have multiple cards,

Type SBK CC (Last 4 digits of your credit card) & Send to 3040 from your registered mobile number.

Register for e-statement

Click here. 


Overseas spend thresholds 

Spend Type Weekly Limit (LKR)
Purchases N/A
Cash N/A

Foreign spend/ cash thresholds are subject to country risk evaluation, hence certain countries may have restricted spend/ cash limits.


Credit Limit, Interest Rate & Fees

Description Amount (LKR)/ Details/ Rate
Credit Limit LKR 75,000.00 to LKR 199,999.99
Cash Advance Limit 40% of the Credit Limit
Interest Rate %p.a. 28.00% p.a.- w.e.f. 01 Sep 2023
Joining Fee 1,250.00
Annual Fee 2,500.00
Supplementary Card Fee 1,250.00
Interest Free days on purchases (maximum)

51 Days. (Interest Free days are applicable only when full settlement is made monthly and is not applicable for Cash Advances)

Late payment fee 2,000.00  (w.e.f. 01 Mar 2024)
Excess Limit fee 1,750.00 (w.e.f. 01 Mar 2024)
Permanent Limit Enhancement Fee  750.00
Temporary Enhancement Fee 1,000.00
PIN Re. Issue fee 500.00 (w.e.f. 01 Mar 2024)
Cash Advance Fee 700/- or 4% (whichever is higher)
Handling Fee - Paper Statement LKR 200.00 Per month
Statement copy fee 400.00
Confirmation Letter Issuing Fee Same day service LKR 2,000.00; Normal service LKR 1,000.00
Voucher Copy Retrieval fee 2,500.00
Cheque Return – Refer to drawer 2,000.00 + Postage
Cheque Return – Other Reasons 1,000.00 + Postage
Lost card Replacement fee 1,000.00
Overseas Courier Fee 4,000.00
Fuel Surcharge 1%
SMS Alert Fee ( Per Annum) 250.00
Cancellation Letter Issuance Fee 2,000.00
Easy Payment Plan Early Settlement Fee 4% from the remaining balance.
Urgent Application Processing Fee 1,500.00
Travel Insurance Fee (per Policy) - up to 30days LKR 2,500.00
Overseas Transactions All overseas transactions will be converted using VISA International exchange rates. In order to mitigate local exchange rate movements, an additional amount (minimum of 4.50%**) will be included to the rate at the time of billing.
** Rates are subjected to market rate fluctuations.
Processing Fee In order to mitigate the risk of exchange rate variances, all Card transactions done at overseas merchants/service providers and websites registered outside of Sri Lanka but billed in Sri Lankan Rupees (LKR) in the form of Dynamic Currency Conversion or Multi-Currency Transactions will attract a Processing Fee of minimum 3.5%** on the LKR transaction value.
** Rates are subjected to market rate fluctuations.
Processing Fee on 0% Easy Payment Plans LKR 2,000.00 (w.e.f. 01 Mar 2024)
  • The Bank reserves the right to change the above rates at any time with prior notice.
  • No refund of Annual Fees will be made if the card is terminated or not accepted.
  • ATM withdrawal limits may vary subject to ATM limits of the particular bank.
  • No interest will be levied (except on cash advances) if full payment is made on or before the due date. You will enjoy up to 51 days free of interest (depending on the transaction date), provided the previous months total outstanding is paid by the due date in full.
  • If full payment is not settled on or before the due date, interest will be calculated from respective transaction dates up to the billing date on reducing balance basis. 
  • Interest/ Finance charges will be charged if full payment is made after the due date
  • Interest will not be charged for purchases billed in current month but will be charged on the following month (from the transaction date) if not settled in full by the due date.
  • Interest to a particular transaction will be charged from the transaction date on the following month and there onward from the billing date, if rolled over.
  • Payments are first applied to charges and then to purchase and cash advances on FIFO basis.
  • Cash advances will accrue interest from the date of transaction until it is paid in full.
  • Sample Interest calculation.
Mode of Payment Payment Cut Off Time Payment Updating time to the Credit Card Account
Payments through Seylan Internet Banking or Seylan Mobile Banking Application. 3.00 PM Real-Time
CEFTs transfers from a current or saving account through CEFTs enabled banks’ Internet Banking or Mobile Banking Application.
Cash deposits at any Seylan Cash Deposit Machine.
Cash Deposit at any Seylan Bank Branch counter. Branch Closing time
Cheque Deposits at any Seylan Bank Branch. 1.00 PM Same day if it is a Seylan Bank cheque or else upon realization. 
Automatic transfer instruction from Seylan Savings or Current Account (Direct Debit/Standing Instruction)  N/A Same day ( when the Direct debit / Standing Instruction is effected)

Terms and Conditions

  • No Financial Charges will be levied (except on Cash Advance) if full settlement is made monthly on or before due date.
  • Additional expenses, such as legal fees, credit transfers, cheque issuance and overseas charges (e.g. courier, fax, postage etc.) will be levied where incurred.
  • Secure Card (against Fixed Deposits) will be issued “ First Year Free" and will attract Lower Interest rate.
  • LKR 25.00 will be charged for every LKR1,000 spent on foreign transactions (Government Stamp Duty). 
  • The Bank reserves the right to change the above rates at any time with prior notice.