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Sri Lanka · NDB

NDB Platinum Credit Card

visa · Platinum · Verified 2 days ago

Overall ranking

Why this rank? · methodology
#54
rank
27.74
score / 100

What changed: score ▲ 0.06 since 1 day ago

  • epp quality(+0.09 pts)

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 strength45.25+4.33 / 15
  • Annual feeLKR 5,500+4.64 / 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)118+0.78 / 8
  • Interest-free period51 days+0.00 / 8
  • Foreign-transaction fee4.5%+0.00 / 7
  • Fuel cashbackno data+0.00 / 4
  • Benefits depth13 listed+4.00 / 4
  • Contactless paymentsyes+2.00 / 2
Total27.75 / 100 (shown: 27.74)
Score history · 23 changesshow all 23
  1. 3 hr agoscore ▲ 0.06This card changed
    • epp quality(+0.09 pts)
  2. 1 day agoscore ▲ 0.25This card changed
    • epp quality(+0.22 pts)
  3. 2 days agoscore ▼ 0.35This card changed
    • epp quality(-0.23 pts)
    • offer strength45.917 → 45.25(-0.13 pts)

Fees

Annual feeLKR 5,500verified by editor
Joining feeLKR 2,500
Supplementary card feeNot published
Late payment feeLKR 2,100
Over-limit feeLKR 2,000
Cash advance fee5%
Foreign currency markupNot published

Interest

Revolving APRNot published
Cash advance APR26%

Eligibility

Minimum incomeLKR 100,000

Rewards

Reward rateNot published
Reward typeNot published

Offers you can use (52)

See all →
  • 25% Savings on Fresh Vegetables, Fruit, Fish & Meat at Softlogic Glomarkto Jun 24

    Glomark

  • 20% Savings on Total Bill at Softlogic Glomarkto Jun 28

    Glomark

  • 20% Savings on DBL/TPL reservations FB/HB basisto Jun 30

    Sea Horse Hotel & Spa

  • 20% Savings on Dinner Buffet (Monday to Thursday) at Colombo Kitchento Jun 30

    Colombo Kitchen - Sheraton Colombo

  • 20% Savings on Food at Bayu - Sheraton Colomboto Jun 30

    Bayu - Sheraton Colombo

  • 20% Savings on Reservations at Uga Prava - Tangalleto Jun 30

    Uga Prava Tangalle

0% Instalment plans (37)

See all →

Split purchases into 0% easy payment plans of up to 48 months at 37 partner merchants& categories.

AbansBigDeals.lkAcron TravelsAminra JewellersChina Duty FreeClassic TravelsCrazyJetsDamro+29 more

Full details

Interest & rates

Purchase APR26%
Interest-free days51
Minimum payment4%

Rewards

Fuel surcharge waiverNo
Fuel surcharge1%

Eligibility & card

Minimum incomeRs. 100,000
Minimum age18
TierPlatinum
Networkvisa
Typecredit
CurrencyLKR
Full fee schedule (10)
Annual feeRs. 5,500
Joining feeRs. 2,500
Supplementary annual feeRs. 2,750
Supplementary joining feeRs. 1,500
Late payment feeRs. 2,100
Over-limit feeRs. 2,000
Cash advance fee5%
Foreign-transaction markup4.5%
Card replacementRs. 1,500
PIN replacementRs. 300

Other

Card replacement fee supplementary1000
Cash advance apr26%
Cash advance fee minRs. 1,200
Cheque return feeRs. 2,000
Duplicate statement fee300
Is affinityNo
Lounge access detailsLounge Key Access membership Not Applicable; Lounge Key Access fee per Visit $32
Sources1 source · 3 editor overrides

Cited quotes (14)

  • supports cards[0].interest_rate_purchases_apr

    “Interest Rate % p.a. (Retail Purchase) 26%”

  • supports cards[0].interest_rate_cash_apr

    “Interest Rate % p.a. (Cash Advance) 26%”

  • supports cards[0].annual_fee_lkr

    “Annual Fee - Primary ... LKR 5500”

  • supports cards[0].joining_fee_lkr

    “Joining Fee - Primary ... LKR 2500”

  • supports cards[0].supplementary_card_fee_lkr

    “Annual fee - Supplementary ... LKR 2750”

  • supports cards[0].late_payment_fee_lkr

    “LKR 2100 OR 0.5% from the closing balance ( Whichever is high)”

  • supports cards[0].over_limit_fee_lkr

    “Over Limit Fee LKR 2000”

  • supports cards[0].cash_advance_fee_pct

    “LKR 1,200+5% on face value”

  • supports cards[0].foreign_tx_fee_pct

    “an additional amount (up to 4.5%) will be added to the rate at the time of billing”

  • supports cards[0].fuel_surcharge_pct

    “1% of the transaction value is applicable for fuel transactions as per card scheme guidelines”

  • supports cards[0].interest_free_days

    “Interest free days on new purchases (Maximum) 51 Days”

  • supports cards[0].minimum_payment_pct

    “Minimum Payment Due 4%”

  • supports cards[0].lounge_access

    “Lounge Key Access(One Time Membership Fee) ... Not Applicable”

  • supports minimum_income_lkr

    “You must be permanently employed with a minimum gross monthly income of LKR 100,000.”

Editor verification

backfill: NDB cards are all Visa-issued - slug encodes network, verified against ndbbank.com

by admin · 2026-06-03T03:17:01.24226

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