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Sri Lanka · HNB

HNB St.Thomas' College Affinity Credit Card

Visa · — · Verified 2 days ago

Affinity · S. Thomas' College
💳 First year free🧾 0% instalment plan

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 depth16 listed+4.00 / 4
  • Contactless paymentsyes+2.00 / 2
Total64.67 / 100 (shown: 64.67)
Score history · 5 changesshow all 5
  1. 4 days agoscore ▲ 1.71This card changed
    • annual fee(+1.71 pts)
  2. 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
  3. 7 days agoscore ▲ 8 · rank ▲ 4This card changed
    • epp quality38 → 1,208(+8 pts)
    • offer strength91.333 → 147.583

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

ConciergeNo
0% instalment planYes
Instalment planYes
Max instalment tenure (months)6

Eligibility & card

NetworkVisa
CurrencyLKR
Full fee schedule (7)
Annual feeRs. 3,500
Joining feeRs. 0
Late payment feeRs. 750
Over-limit feeRs. 500
Cash advance fee4%
Foreign-transaction markup3%
Card replacementRs. 500

Other

Affinity partnerS. Thomas' College
Annual fee waiver1st year annual fee waived off
Balance transfer availableYes
Is affinityYes
Sources1 source

Primary source · card_list_page

https://www.hnb.lk/cards

Last fetched 8 days ago · LLM confidence 90%

Cited quotes (12)

  • supports card_name

    “HNB St.Thomas’ College Affinity Credit Card”

  • supports fees.joining_fee_lkr

    “No Joining Fee.”

  • supports annual_fee_waiver_conditions

    “1st year annual fee waived off.”

  • supports instalment_plan_tenure_months_max

    “Up to 6 months 0% installment plan for any STC OBA related transactions.”

  • supports travel_insurance

    “Complimentary overseas travel and health insurance cover for air ticket purchases.”

  • supports balance_transfer_available

    “Other bank balance transfer option.”

  • supports is_affinity

    “Old Boys of S. Thomas' College now have a chance of getting an Affinity Credit card with exclusive benefits.”

  • supports affinity_partner

    “a percentage will be contributed to the STC OBA every time a card is issued and used.”

  • supports card_name

    “HNB St.Thomas' College Affinity Credit Card”

  • supports annual_fee_waiver

    “1st year annual fee waived off.”

  • supports instalment_plan_available

    “Up to 6 months 0% installment plan for any STC OBA related transactions.”

  • supports instalment_plan_interest_free

    “Up to 6 months 0% installment plan for S. Thomas College fee related payments.”

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