Sri Lanka · HNB
HNB Visa Infinite Credit Card
Visa · Infinite · Verified 2 days ago
🎩 Concierge💵 Loan-on-card up to 75% of limit
Overall ranking
Why this rank? · methodology#22
rank
56.61
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 7,500+0.61 / 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 depth22 listed+4.00 / 4
- Contactless paymentsyes+2.00 / 2
Total56.61 / 100 (shown: 56.61)
Score history · 7 changesshow all 7
- 4 days agoscore ▲ 0.61 · rank ▼ 1This card changed
- annual fee(+0.61 pts)
- 5 days agoscore ▲ 6 · rank ▲ 6This card changed
- interest rate purchase(+6 pts)
- offer strength67.75 → 153.417
- epp quality476 → 1,210
- 5 days agoscore ▲ 0.5 · rank ▼ 5This card changed
- key benefits · length7 → 15(+0.5 pts)
- offer strength150.083 → 67.75
- epp quality1,208 → 476
Fees
Annual feeLKR 7,500
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
Rewards programmeFlySmiles
Fuel surcharge1%
Perks
ConciergeYes
Loan-on-card (max % of limit)75
Instalment planYes
Eligibility & card
TierInfinite
NetworkVisa
CurrencyLKR
Full fee schedule (8)
Annual feeRs. 7,500
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
Balance transfer availableYes
Is affinityNo
Loan on card availableYes
Rewards programmeFlySmiles
Sources1 source
Cited quotes (14)
supports card_name
“HNB Visa Infinite Cards”
supports rewards_programme
“The FlySmiles redemption program is available only for HNB Infinite cardholders.”
supports benefits[0]
“The points accumulated for each cardholder (Rs.1000 spent = 1 point = 1 FlySmiles) (Effective from 15th of August 2022).”
supports benefits[0]
“You need to collect 5000 points within the calendar year in order to redeem them.”
supports benefits[0]
“FlySmiles points accumulated during the year will expire on the 31st of December for each respective calendar year.”
supports benefits[2]
“Enjoy free overseas travel and health insurance. with every air ticket purchased by your HNB Infinite card.”
supports loan_on_card_max_pct_of_limit
“Get cash withdrawals of up to 75% of the credit card limit from any ATM.”
supports concierge_service
“VISA Concierge App - Convenience in a Click.”
supports benefits[4]
“Visa Concierge is at your command 24 hours a day, 365 days of the year, to ease every single moment of your day. It opens the doors to the most extraordinary things life has to offer, from travel or dinner reservations to assistance on demand, and much more.”
supports instalment_plan_available
“Enjoy easy payment plan packages.”
supports benefits[6]
“You can even track your card balance and purchases through real time SMS alerts on your phone both locally and internationally.”
supports card_network
“HNB Visa Infinite Cards”
supports rewards_programme
“The FlySmiles redemption program is available only for HNB Infinite cardholders. The points accumulated for each cardholder (Rs.1000 spent = 1 point = 1 FlySmiles) (Effective from 15th of August 2022).”
supports benefits[4]
“Visa Concierge is at your command 24 hours a day, 365 days of the year, to ease every single moment of your day.”
BeforeYouPick is independent. We don't take fees from card issuers to influence rankings.