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Sri Lanka · HNB

HNB AAT Affinity Credit Card

visa · Gold · Verified 2 days ago

AATSL members and past finalists onlyAffinity · AAT (AATSL)
💳 First year free

Overall ranking

Why this rank? · methodology
#2
rank
66.69
score / 100

What drives this score

Every card runs through the same 12 factors. +X.XX / Y means this card scored X.XX of a possible Y for that factor. no data means we couldn't extract that field for this card — it scores 0 by default; an operator can fill it in.

  • Active offers strength156.91666666666674+15.00 / 15
  • Annual feeLKR 2,500+10.69 / 12
  • Purchase APR26%+12.00 / 12
  • Airport lounge accessno data+0.00 / 12
  • Dining cashbackno data+0.00 / 8
  • Supermarket cashbackno data+0.00 / 8
  • 0% installment plans (EPP)1214+8.00 / 8
  • Interest-free period55 days+8.00 / 8
  • Foreign-transaction fee3%+7.00 / 7
  • Fuel cashbackno data+0.00 / 4
  • Benefits depth8 listed+4.00 / 4
  • Contactless paymentsyes+2.00 / 2
Total66.69 / 100 (shown: 66.69)
Score history · 6 changesshow all 6
  1. 3 days agoscore ▲ 1.61This card changed
    • annual fee(+1.61 pts)
  2. 5 days agoscore ▲ 3.08This card changed
    • interest rate purchase(+6 pts)
    • annual fee(-2.92 pts)
    • offer strength67.75 → 153.417
    • epp quality476 → 1,210
  3. 5 days agoscore ▲ 1.5 · rank ▲ 1This card changed
    • key benefits · length5 → 8(+1.5 pts)
    • offer strength150.083 → 67.75
    • epp quality1,208 → 476

Fees

Annual feeLKR 2,500
Joining feeLKR 0
Supplementary card feeLKR 0
Late payment feeLKR 750
Over-limit feeLKR 500
Cash advance fee4%
Foreign currency markupNot published

Interest

Revolving APRNot published
Cash advance APRNot published

Eligibility

Minimum incomeLKR 25,000

Rewards

Reward rateNot published
Reward typeNot published

Offers you can use (186)

See all →
  • 10% off on total bill at British Cosmetics - Mount Laviniato Jun 10

    British Cosmetics

  • 20% off on Fresh Vegetables & Fruits for bills above LKR 5,000 at SPAR Supermarketsto Jun 10

    SPAR Sri Lanka

  • 40% off (from rack rates) on Full Board basis at selected Aitken Spence Hotelsto Jun 12

    Aitken Spence Hotels

  • 15% off + additional 5% off on selected products at ALDOto Jun 14

    ALDO

  • 20% off base fare to Melbourne on Jetstar Airways + 0% installments at Findmyfare.comto Jun 15

    FindMyFare

  • 50% off on total bill above LKR 4,000 @ Pizza Hutto Jun 17

    Pizza Hut

0% Instalment plans (546)

See all →

Split purchases into 0% easy payment plans of up to 60 months at 546 partner merchants& categories.

Hayleys SolarA Plus SolarA Plus TechnologiesAbansAbansADS SolarAiro EngineeringArcher Prime International+538 more

Full details

Interest & rates

Purchase APR26%
Interest-free days55
Minimum payment3%

Rewards

Fuel surcharge1%

Perks

Instalment planYes

Eligibility & card

Minimum incomeRs. 25,000
TierGold
Networkvisa
CurrencyLKR
Full fee schedule (8)
Annual feeRs. 2,500
Joining feeRs. 0
Supplementary annual feeRs. 0
Late payment feeRs. 750
Over-limit feeRs. 500
Cash advance fee4%
Foreign-transaction markup3%
Card replacementRs. 500

Other

Affinity partnerAAT (AATSL)
Annual fee waiverJoining fee and first year annual fee waived off
Availability gateAATSL members and past finalists only
Balance transfer availableYes
Is affinityYes
Supplementary card feeRs. 0
Sources1 source · 2 editor overrides

Primary source · card_list_page

https://www.hnb.lk/cards

Last fetched 8 days ago · LLM confidence 90%

Cited quotes (9)

  • supports card_name

    “HNB AAT Affinity Credit Card”

  • supports card_name

    “HNB AAT Affinity Credit Card”

  • supports minimum_income_lkr

    “A card for AATSL (Association of Accounting Technicians of Sri Lanka) members and past finalists with a minimum salary or consultation fee above LKR 25,000/-”

  • supports annual_fee_waiver_conditions

    “Joining fee and first year annual fee waived off.”

  • supports fees.supplementary_card_fee_lkr

    “Free supplementary cards.”

  • supports benefits[2]

    “An incentive of 0.1% per transaction through the HNB AAT Affinity card is given to AATSL.”

  • supports benefits[3]

    “50% of the annual fee will be shared with AAT.”

  • supports availability_gate

    “A card for AATSL (Association of Accounting Technicians of Sri Lanka) members and past finalists with a minimum salary or consultation fee above LKR 25,000/-”

  • supports minimum_income_lkr

    “minimum salary or consultation fee above LKR 25,000/-”

Editor verification

backfill: HNB affinity cards are all Visa-issued per HNB confirmation

by admin · 2026-06-03T03:19:33.969517

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