Simply make a request through our 24/7 Seylan Chat Agents.
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.
Credit Limits, Interest Rates & Fees
LKR 75,000.00 to 199,999.99
Interest Rate %p.a.
Type of Fee
Amount LKR/ Description
Supplementary Card Fee
Interest Free days on purchases (maximum)
51Days. (Interest Free days are applicable only when full settlement is made monthly and is not applicable for Cash Advances)
Late payment fee
Excess Limit fee
Permanent Limit Enhancement Fee
Temporary Enhancement Fee
PIN Re. Issue fee
Cash Advance Fee
700/- or 4% (whichever is higher)
Statement copy fee
Confirmation Letter Issuing Fee
Voucher Copy Retrieval fee
Cheque Return – Refer to drawer
2,000.00 + Postage
Cheque Return – Other Reasons
1,000.00 + Postage
Lost card Replacement fee
Overseas Courier Fee
All overseas transactions will be converted using VISA International exchange rates. In order to mitigate local exchange rate movements, an additional amount (6%) will be included to the rate at the time of billing.
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 6% on the LKR transaction value.
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.
Seylan VISA Credit Cards are VISA paywave enabled.
ATM withdrawal limits may vary subject to ATM limits of the particular bank.
Fuel Surcharge 1%.
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 for 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.
Loss of card should be immidiatly reported to our 24/7 Seylan Customer Care Centre via hoteline +94112008888 and should be follow up with a letter handed over to the nearest branch or via Internet Banking - User Message. Once reported, the customer will not be liable for any transactions performed subsequent to informing the loss of the card to the bank.
It will take a minimum of 7 working days and maximum of 12 working days once the relevant documents are handed to the branch / sales officer.
Minimum Payment = 5% of outstanding Purchases and Cash advancec + 100% of Interest rate, Fees and the Overdue amount (if any)
If the customer fails to pay the Minimum Payment on or before the due date.
If the customer exceeds the apprvoed Credit Limit at any given date of the perticular billing cycle, an over limit fee will be charged.
Dynamic Currency Conversion
Dynamic Currency Conversion (DCC) is the conversion of the purchase price of goods or services from the currency in which the purchase price is displayed to the cardholder's billing currency. That currency then becomes the transaction currency, regardless of the merchant's local currency.
DCC is not a Visa / Master service, but merchants and ATMs offer it through their acquiring bank. At checkout, the merchant or ATM may convert the advertised price to the currency agreed to by the cardholder, and usually assesses a conversion-related markup (over a wholesale exchange rate or government-mandated rate). The cardholder must be offered a choice to accept or decline the DCC and must actively choose the DCC option prior to the merchant or ATM processing the transaction. The merchant or ATM must accept the cardholder's choice; if the cardholder refuses DCC, the merchant or ATM must process the transaction in their local currency
Multi-Currency Transactions – LKR
Transactions performed locally in LKR at merchant outlets / web sites but the Acquiring Bank of the Merchant is not a Locally registered Bank. Hence the Bank to Bank settlement is in Foreign Currency.