VISA Platinum Credit Card

Upgrade yourself by getting access to the most preferred Credit Card in the market and enjoy bountiful offers made just for you.

  • Up to 51days of Interest – Free – Credit
  • Free SMS Alert in every transaction to ensure high security.
  • Enjoy attractive Promotionaldiscounts right throughout the year, when you pay with your Seylan VISA Platinum Card. 
  • Manage your Credit Card payments with convenience using the Call & Convert 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 Seylan Platinum Credit Card, and be entitled to a complimentary Travel Insurance cover.
  • Enjoy Flexible payment plans with “Seylan Express Cash”
  • Get a “Cash Advance” from your Seylan Platinum 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 option.
  • Seylan VISA Platinum 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 citizensof18 years and above

  • Minimum monthly income of LKR 80,000.00(net).


  • Instant Credit Card when you place a Fixed Deposit as Security, with 75% of your deposit value as your Credit Card Limit.

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

Option 2 :

Simply make a request through our 24/7 Seylan Chat Agents.

Option 3 :

Visit the nearest Branch

Apply for SMS Service?

For a single card:

  • Type SBK CC and Send to 3040 from your registered mobile number

If you have multiple cards,

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

Credit Limits, Interest Rates & Fees

Details  Limits
Credit Limit LKR. 200,000 to 999,999
Interest Rate %p.a. 18.0000%

Service Charges

Type of Fee Amount LKR/ Description
Joining Fee 2,750.00
Annual Fee 3,500.00
Supplementary Card Fee 2,750.00
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). Interest/Finance Charges on Purchases 1.50% for Platinum, Gold & Classic Credit Card and 1.50% for Freedom Credit Card per month from transaction date up to settlement date. 

Late payment fee 990.00
Excess Limit fee 1,000.00
Permanent Limit Enhancement Fee  500.00
Temporary Enhancement Fee 750.00
PIN Re. Issue fee 200.00
Cash Advance Fee 500.00 or 3% (which ever is higher)
Statement copy fee 400.00
Confirmation Letter Issuing Fee 600.00
Voucher Copy Retrieval fee 850.00
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 2,500.00
Permanent Limit Enhancement Fee LKR 400.00
Temporary Enhancement Fee LKR 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 3.5%**) 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.

  • 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.
  • 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.
  • Sample Interest Calculation
  • Credit card bill payments through Seylan Internet Banking or Seylan Mobile app by downloading via Play store or App store
  • Automatic transfer instruction (Direct Debit) to recover the card due amount from your Seylan current or saving account on monthly basis
  • Make a CEFTs transfer from a current or saving account via any CEFTs enabled bank’s Internet Banking.
  • Cash deposits at any Seylan Cash Deposit Machine.
  • Cheque deposits at any Seylan Bank branch.
  • Cash deposit at any Seylan Bank counter.
  • Cash payments at Cargills Food city Outlets (Subject to a handling fee of 0.75% flat)

Terms and Conditions

  • No refund of Annual Fees will be made if the card is terminated or not accepted.
  • 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 “Free of Charge” and will attract “Lower” Interest rate.
  • Government Stamp Duty of 2.5% will be applicable for all Foreign Currency Transactions and debited to the account in the following billing cycle.
  • Fuel Surcharge 1%.  
  • The Bank reserves the right to change the above rates at any time with prior notice.



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.