| Description | Amount (LKR) / Details/ Rate |
|---|---|
| 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.- w.e.f. 07 Sep 2024 |
| 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 (w.e.f. 01 Mar 2024) |
| Over Limit Fee | LKR 1,750.00 (w.e.f. 01 Mar 2024) |
| 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 |
| SMS Alert Fee ( Per Annum) | FREE |
| Fuel Surcharge | 1% |
| Travel Insurance Fee (per Policy) - up to 30 days | FREE |
| 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 |
| 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. |
|
Processing Fee on 0% Easy Payment Plans |
LKR 2,000.00 (w.e.f. 01 Mar 2024) |
| Branch Over the Counter Withdrawal Fee | LKR 2000.00 Handling Fee + 4% on the withdrawal amount (W.E.F 7th Oct 2024) |
| 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.
General Conditions
- 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.
- No Finance Charge will be levied (except on Cash Advances) if full settlement is made monthly on or before due date.
- Additional expenses, such as legal fees, credit transfers, cheque issuance and overseas charges (courier, fax, postage etc.) will be levied where incurred.
- Secured cards (against a FD) will be issued free of charge and will attract lower interest rates.
- Government Stamp Duty of 2.5% will be applicable for all foreign currency transactions and debited to the account in the following billing cycle.
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