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 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 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 Visa Platinum 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 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 ( T & C Apply)
  • 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. 
  • Simply swipe your card to enroll in the Seylan Credit Card Reward Program.


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

Option 2 :

Simply submit a request online.

Option 3 :

Visit the nearest Branch

Check your Balance via SMS;

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

Register e-Statement

Click here to register. 

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 Limits, Interest Rate & Charges

Description Amount (LKR)/ Description/ Rate
Credit Limit LKR 200,000.00 to LKR 999,999
Cash Advance Limit 40% of the Credit Limit
Interest Rate %p.a. 28.00% p.a.- w.e.f. 01 Sep 2023
Joining Fee 2,750.00
Annual Fee 3,500.00
Supplementary Card Fee 2,750.00
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 1,750.00 (w.e.f 1st Aug 2023)
Excess Limit fee 1,500.00 
Permanent Limit Enhancement Fee  750.00
Temporary Enhancement Fee 1,000.00
PIN Re. Issue fee 300.00
Cash Advance Fee 700.00 or 4.00% which ever is higher
Handling Fee - Paper Statements 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
Processing Fees for Branch Counter Cash Withdrawals Additional 1% of the Cash Withdrawal Amount
Travel Insurance Fee (per Policy) -up to 30days 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.

  • 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 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. 
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 Payments at Cargill’s Food City Outlets (Subject to a handling fee of 0.75% flat).
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 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 “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.



Loss of card should be immediately reported to our 24/7 Seylan Customer Care Centre via hotline +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 5 working days and maximum of 7 working days once the relevant documents are handed to the branch / sales officer.

Minimum Payment = 3.00% of total outstanding (purchases and cash advance) + 100% of Interest + fees and the overdue amount (if any).

If the customer fails to pay the Minimum Payment by 3.00 PM on the due date.

Example : Late Payment Fees

Statement Date           : 31st January 2022
Payment Due Date     : 21st Feb 2022 Minimum Payment LKR 393.04
Payment Data              : 21st Feb 2022 after 3.00 PM
Late Payment Fees*   : LKR 1,500.00

*Late Payment Fee will be reflected on 28th February 2022 Billing Statement. 

If the customer exceeds the approved Credit Limit at any given date of the particular 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 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.