Sri Lanka · HNB

HNB Visa Gold Credit Card

Visa · Gold · Verified 2 days ago

Overall ranking

rank

65.88

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 2,900+9.88 / 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 depth13 listed+4.00 / 4
Contactless paymentsyes+2.00 / 2

Total65.88 / 100 (shown: 65.88)

Score history · 6 changesshow all 6

3 days agoscore ▲ 1.65This card changed
- annual fee(+1.65 pts)
5 days agoscore ▲ 2.23 · rank ▼ 1This card changed
- interest rate purchase(+6 pts)
- annual fee(-3.77 pts)
- offer strength67.75 → 153.417
- epp quality476 → 1,210
5 days agoscore ▲ 1This card changed
- key benefits · length6 → 10(+1 pts)
- offer strength150.083 → 67.75
- epp quality1,208 → 476

Fees

Annual feeLKR 2,900

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)

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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)

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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

TierGold

NetworkVisa

CurrencyLKR

Full fee schedule (8)

Annual feeRs. 2,900

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

Balance transfer availableYes

Is affinityNo

Loan on card availableYes

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 Visa Gold”
supports card_name
“HNB Visa Gold”
supports card_network
“HNB Visa Gold”
supports travel_insurance
“Let you and your family enjoy free overseas travel and health insurance with air ticket purchases.”
supports instalment_plan_available
“Enjoy easy payment plans on call/click and convert basis.”
supports balance_transfer_available
“Balance Transfer Facility”
supports benefits[0]
“Let you and your family enjoy free overseas travel and health insurance with air ticket purchases.”
supports benefits[1]
“Track your card balances and purchases whenever you go through real time SMS alerts on your phone or through the Missed Call Alert Facility.”
supports benefits[2]
“Enjoy easy payment plans on call/click and convert basis.”
supports benefits[3]
“Get a supplementary card - ensuring that your family will be secure and have convenience and access to purchase their heart's desire.”
supports benefits[4]
“Get cash withdrawals within the credit card limit from any ATM worldwide.”
supports benefits[5]
“A gold card gets you discounts at selected merchants and free overseas travel insurance.”

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