Sri Lanka · HNB
HNB Royal College RCU Affinity Credit Card
visa · Platinum · Verified 2 days ago
Affinity · Royal College Union
Overall ranking
Why this rank? · methodology#4
rank
64.67
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 3,500+8.67 / 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 depth20 listed+4.00 / 4
- Contactless paymentsyes+2.00 / 2
Total64.67 / 100 (shown: 64.67)
Score history · 6 changesshow all 6
- 4 days agoscore ▲ 1.71This card changed
- annual fee(+1.71 pts)
- 5 days agoscore ▲ 2.71This card changed
- interest rate purchase(+6 pts)
- annual fee(-3.29 pts)
- offer strength67.75 → 153.417
- epp quality476 → 1,210
- 5 days agoscore ▲ 0.5 · rank ▲ 10This card changed
- key benefits · length7 → 14(+0.5 pts)
- offer strength150.083 → 67.75
- epp quality1,208 → 476
Fees
Annual feeLKR 3,500
Joining feeLKR 0
Supplementary card feeNot published
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 incomeNot published
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
TierPlatinum
Networkvisa
CurrencyLKR
Full fee schedule (8)
Annual feeRs. 3,500
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 partnerRoyal College Union
Balance transfer availableYes
Is affinityYes
Rewards programmeRoyal College Union (RCU) contribution
Sources1 source · 2 editor overrides
Cited quotes (12)
supports card_name
“HNB Royal College RCU Affinity Credit Card”
supports is_affinity
“HNB Royal College RCU Affinity Credit Card”
supports affinity_partner
“0.1% per transaction through the RCU Classic Affinity Card and 0.2% per transaction from the RCU Platinum Affinity Credit Card is donated to the Royal College Union Account.”
supports benefits[0]
“0.1% per transaction through the RCU Classic Affinity Card and 0.2% per transaction from the RCU Platinum Affinity Credit Card is donated to the Royal College Union Account.”
supports benefits[2]
“LKR 550/- from the RCU Classic Affinity Card and LKR 1,500/- from the RCU Platinum Affinity Credit Card is also donated to the Royal College Union Account on renewal basis.”
supports fees.supplementary_card_fee_lkr
“A free supplementary card, and transactions though ATMs and HNB customer centres across the country.”
supports benefits[7]
“For Royal Rugby fans, the tagline 'Royal Rugby' to be embossed beneath the cardholder's name (on request only) on the RCU Platinum Affinity Credit Card.”
supports affinity_partner
“RCU Contribution 0.1% per transaction through the RCU Classic Affinity Card and 0.2% per transaction from the RCU Platinum Affinity Credit Card is donated to the Royal College Union Account.”
supports benefits[1]
“LKR 550/- from the RCU Classic Affinity Card and LKR 1,500/- from the RCU Platinum Affinity Credit Card is also donated to the Royal College Union Account on renewal basis.”
supports benefits[2]
“A free supplementary card, and transactions though ATMs and HNB customer centres across the country.”
supports benefits[6]
“For Royal Rugby fans, the tagline 'Royal Rugby' to be embossed beneath the cardholder's name (on request only) on the RCU Platinum Affinity Credit Card.”
supports annual_fee_supplementary_lkr
“A free supplementary card, and transactions though ATMs and HNB customer centres across the country.”
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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