Keells Seylan Premier Credit Cards
Enjoy 20% savings on the total bill at Keells with your Seylan Visa Signature & World Mastercard Credit Cards
Visa Signature Credit Card
Seylan Visa Signature Credit Card Step into a world of offers, privileges and experiences at ease with your Seylan Visa Signature Credit Card Benefits 100% OFF ON THE FIRST YEAR ANNUAL FEE AND 50% OFF ON THE JOINING FEE Enjoy amazing offers & benefits with 50% off on the joining fee and the first year annual fee waived off. LOUNGEKEY PROGRAM Enjoy Lounge key access to over 1100 lounges worldwide. Cardholder’s first lounge visit for the year will be complimentary. TRAVEL INSURANCE 30 Days free Travel Insurance when you purchase the return air ticket with your Seylan Visa Signature Credit Card. DIGITAL CONCIERGE APP Receive an array of privileges at the best restaurants around the world, when booked via the Visa Concierge App. VISA WORLDWIDE CONCIERGE Receive assistance in travel, entertainment & experiences, special services, and gift purchases through the toll-free contact number. Click here to login to VISA CONCIERGE. NFC (NEAR FIELD COMMUNICATION) Contactless payments let you pay without swiping or dipping your card. Payment cards enabled with this contactless payment has the contactless mark on the card face LOUNGEKEY PROGRAM × Enjoy access to over 1000 Lounges worldwide Offer - Cardholder’s first lounge visit will be complimentary. Thereafter Cardholder will be charged USD32/- each visit. Easy access with where no additional card needs to be carried Digitally enhanced: dedicated app provides access to the digital card, airport lounges and offers 800+ Offers worldwide Download the app and web provide smooth, seamless access Website : www.loungekey.com/associateplus iOS app : www.itunes.apple.com/gb/app/loungekey/id808810002 Android app : www.play.google.com/store/apps/details?id=com.loungekey.android Follow steps & obtain Information on Lounges and offers Registration > Create your account > Enter your details > Confirmation > Log in Digital Concierge Exclusives × Enjoy an array of privileges at the best restaurants around the world with savings up to USD140 when booked via Visa Digital Concierge App Digital Concierge offers exclusive Dining offers that are not available on any other channels. Digital Concierge is currently available in Singapore, Australia and New Zealand. Book the restaurant via Digital Concierge or through Chope via www.mycardbenefitsap.visa.com Travel Insurance × Free travel protection up to up to USD 50,000 when you use your Seylan Visa Signature Credit Card to purchase return air ticket from Sri Lanka.(Colombo) 30 Days Free Travel Insurance when you purchase the return Air ticket with your Seylan Visa Signature Credit Card (Additional days in excess of the First 30 days will be subject to an additional premium charge) Age between 60 - 70 Years(Maximum) – Subject to a satisfactory Medical report to Confirmation cover All Seylan Visa Signature Credit Cardholders and their immediate family members – spouse and unmarried children (dependents) below the age of 23 years and supplementary cardholders will be eligible for the travel insurance Visa Worldwide Concierge × Enjoy Visa Worldwide concierge supported by 4 centers located in Sydney, Shanghai, Atlanta and London with over 100 Concierge experts Enjoy exclusive services Flight & Transport Destination based flights, airport transfers and car hire Buying & selling, imports, vehicle hire, unclamping, service and maintenance Reservations at the top restaurants in over 60 cities with complimentary benefits Special gift purchases, personal shoppers, flowers, wedding lists, repairs Destination based travel experiences, including luxury Tuscany driving experience, private island retreats. African Safari’s and more. Access to sold out and exclusive concerts, film premieres, sporting events Tickets and hospitality packages at the world’s best shows Personal trainers, spas, wellness, sports clubs, makeovers Corporate events, parties, restaurant bookings, culture, clubs Corporate golf days, tee-times, gifts, retail, special offers, golf getaways, play with the pros and the Golf Club For more information visit www.mycardbenefitsap.visa.com/ NFC (Near Field Communication) × Contactless payments let you pay without swiping or dipping your card. Payment cards enabled with this contactless payment has the contactless mark on the card face Fast & Easy You don’t have to sign a receipt or enter a PIN, just tap to pay Secure Just as secure as any other chip card & the card remains in your hand throughout the entire transaction Convenient Designed to make tap-and-go payments, but you can request for a receipt if one is required. 1 Step 2 Step 3 Step 4 Step Look for the Visa logo and contactless symbol at the point of sale The cashier enters your purchase amount into the terminal. This amount is displayed on the contactless reader Tap your card or device over the contactless symbol, hold your card over the reader at close range (within 4cm from where the contactless symbol appears) When the transaction is successful ,the screen will indicate ‘’approved’’ and the terminal may produce a beep sound or lights may flash green. Keep track of the purchases using the monthly statement received from Seylan bank. PIN will be required for contactless transactions over Rs. 25,000.00, thus the ATM PIN can be used Transactions over Rs. 25,000.00 can be performed without the PIN, by dipping the card TRAVEL EXPERIENCE Enjoy a range of hotel offers and travel car hire offers across the globe from selected merchants. AIRPORT EXPERIENCE Enjoy offers on the Visa Airport Limo transfer program, Airport Meet & Greet, and Lounge access. 800+ OFFERS WORLDWIDE Enjoy the finest deals with over 800+ merchants worldwide. Be it clothing, dining, electronics, accessories, education, health, online or holiday offers, Seylan Bank has got you covered. DINING Dining-Complimentary main course at selected restaurant locations worldwide. CARDS REWARDS POINTS ON PURCHASE TRANSACTIONS Enjoy Rewards points for locally / Overseas spent. Transactions of more than LKR 1000 will be eligible. Visit Seylan Credit Card Reward Program to enroll & for more details. INSTALMENT PLAN FACILITIES Manage your credit card payments with convenience using installment plan facilities. CASH ADVANCE Obtain cash withdrawals up to 50% of your available credit limit. SMS ALERTS Free SMS alerts on your Credit Card transactions to the registered mobile number. SEYLAN E-STATEMENTS Seylan e-statements are provided with password protection. You will receive a consolidated e-statement. EXPRESS CASH LOAN Obtain an express cash loan up to 75% of the credit limit and settle in equal monthly installments up to 60 months. Enjoy wide range of card Deals & Promotions. Eligibility Age Between 18 – 65 Salaried – Net Income > LKR 300,000.00 per month Self-employed – Average credit turn over > LKR 2.5Mn per month Overseas spend thresholds 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/ Rates Credit Limit LKR 1,000,000.00 and above Cash Advance Limit 50% of the Credit Limit Interest Rate %p.a. 26.00% p.a. Annual Fee* LKR 6,000.00 Joining Fee* LKR 2,750.00 Supplementary Card Fee LKR 3,000.00 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 LKR 2,000.00 Excess Limit Fee LKR 1,950.00 (w.e.f. 09 Mar 2026) Cash Advance Fee LKR 700.00 or 4.00% whichever is higher Pin Re-Issue Fee FREE Handling Fee - Paper Statement FREE Statement Copy Fee FREE Confirmation Letter issuing fee FREE Voucher Copy Retrieval Fee FREE Cheque Return - Refer to Drawer FREE Cheque Return - Other Reasons FREE Lost Card Replacement Fee FREE Overseas Courier Fee LKR 4,000.00 Limit Enhancement Fee FREE Travel Insurance Fee (per Policy) - up to 30 days FREE SMS Alert Fee ( Per Annum) FREE Fuel Surcharge 1% 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. Cancellation Letter Issuance Fee LKR 2,000.00 Easy Payment Plan Early Settlement Fee 4% from the remaining balance. Urgent Application Processing Fee LKR 1,500.00 Processing Fee on 0% Easy Payment Plans LKR 2,000.00 Branch Over the Counter Withdrawal Fee LKR 2,000.00 Handling Fee + 4% on the withdrawal amount Cancellation Fees (T&C apply) LKR 3,000.00 ** First Year Annual Fee will be waived off as an introductory offer. ***Joining Fee is 50% waived off as a promotional offer. How to get started Call our dedicated Premier Hotline +94112008877 Submit a Call back request. Visit Any Seylan Branch Island wide. Or Against a Fixed Deposit as Security, with 90% of you deposit value as your Credit Card Limit. Click here to view tariff Modes of Credit Card Payment Modes of Payment Payment Cut-Off Time Payment Updating TIme 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) Interest Calculation 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 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 first in first out basis Cash advances will accrue interest from the date of transaction until it is paid in full. Sample Interest calculation What if I lose my Seylan Premier Credit Card? Loss of cards should be reported immediately to Seylan Call Centre on 24 hour dedicated Premier hotline +94 112008877 and follow up with a letter. The cardholder will not be liable for any transactions performed subsequent to informing the loss of the card to the bank. Terms & How long will it take to obtain a Seylan Premier Credit Card? It will take a minimum of 7 working days and maximum of 10 working days once the relevant documents are handed to the Branch/ Sales officer/Card Centre. How is the minimum payment calculated? Minimum Payment = 3% of statement balance + overdue and over limit amount (if any) On what basis will the bank charge, the late payment fee? If the customer fails to pay the minimum payment on or before the due date the late payment fee will be charged. On what basis is the over limit fee charged? If the customer exceeds the approved credit limit at any at any given date of the particular billing cycle, an over limit fee will be charged. Terms and Conditions General 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 LKR 1,000 spent on foreign transactions (Government Stamp Duty). The Bank reserves the right to change the above rates at any time with prior notice. Agreement & Conduct: Credit Card Holder Agreement Code of Conduct for Credit Card Operations Format of Credit Card Monthly Statement Foreign Exchange regulations applicable for Electronic Fund Transfer Card /EFTC