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Sri Lanka · People's Bank

People's Elegance Visa Infinite

Visa · Infinite · Verified 13 hr ago

By invitation only
First year free2 lounge visits/yrTravel insurance USD 500,000ConciergeLoan-on-card up to 70% of limit

Overall ranking

Why this rank? · methodology
#37
rank
34.67
score / 100

What drives this score

Every card runs through the same 12 factors. The bar shows how much of the available points this card captured. 3 factors below lack data and score 0 by default; an operator can fill them in.

  • Purchase APR26%+12 / 12
  • Benefits depth8 listed+4 / 4
  • Contactless paymentsYes+2 / 2
  • Foreign-transaction fee2.5%+7 / 7
  • Airport lounge accessYes+6 / 12
  • Annual feeLKR 7,000+3.67 / 12
  • Active offers strength0+0 / 15
  • 0% installment plans (EPP)0 plans+0 / 8
  • Interest-free period51 days+0 / 8
Data gaps
  • Dining cashback—— / 8
  • Supermarket cashback—— / 8
  • Fuel cashback—— / 4
Total34.67 / 100 · captured 34.7%
Score history · 1 changeshow
  1. 1 hr agoscore steadyNow ranked
    • interest rate purchase— → 26(+12 pts)
    • foreign tx fee— → 2.5(+7 pts)
    • lounge— → 2(+6 pts)
    • key benefits · length— → 8(+4 pts)
Alert me if this card's rank changes

Fees

Annual feeLKR 7,000
Joining feeLKR 0
Supplementary card feeLKR 4,000
Late payment feeLKR 1,200
Over-limit feeLKR 600
Cash advance fee4%
Foreign currency markup2.5%

Interest

Revolving APR26%
Cash advance APR26%

Eligibility

Minimum incomeNot published

Rewards

Reward rateNot published
Reward typeNot published

Offers you can use (53)

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Full details

Interest & rates

Purchase APR26%
Interest-free days51
Minimum payment5%

Rewards

Fuel surcharge1%

Perks

Lounge visits / year2
Lounge programmeLoungeKey
Travel insurance cover (USD)USD 500,000
ConciergeYes
Loan-on-card (max % of limit)70
Instalment planYes
Max instalment tenure (months)60
Min instalment amountRs. 25,000

Eligibility & card

Minimum credit limitRs. 1,500,000
TierInfinite
NetworkVisa
CurrencyLKR
Full fee schedule (12)
Annual feeRs. 7,000
Joining feeRs. 0
Supplementary annual feeRs. 4,000
Late payment feeRs. 1,200
Over-limit feeRs. 600
Cash advance fee4%
Cash advance fee (min)Rs. 500
Foreign-transaction markup2.5%
Card replacementRs. 750
Statement copyRs. 300
PIN replacementRs. 200
Cheque returnRs. 1,000

Other

Annual fee waiver1st year annual Fee waived-off
Availability gateBy invitation only
Cash advance apr26%
ContactlessYes
Instalment plan tenure months min6
Is affinityNo
Loan on card availableYes
Loan on card tenure months max24
Sources1 source

Primary source · card_list_page

https://www.peoplesbank.lk/credit-cards/

Last fetched 36 min ago · LLM confidence 82%

Cited quotes (9)

  • supports fees.joining_fee_lkr

    “Free Joining Fee”

  • supports annual_fee_waiver.type

    “1st year annual Fee waived-off”

  • supports minimum_credit_limit_lkr

    “Minimum Credit Limit: LKR 1.5 Mn”

  • supports lounge_visits_per_year

    “Two FREE Visits for Airport Lounges per calendar year.”

  • supports travel_insurance_cover_usd

    “Unmatched Overseas Travel Insurance Cover up to USD 500,000/-”

  • supports availability_gate

    “Visa Infinite Cards are offered through invitations only,”

  • supports minimum_payment_pct

    “Minimum payment of 5% of the outstanding balance”

  • supports loan_on_card_max_pct_of_limit

    “Customers can take quick cash loans up to 70% of the available credit limit.”

  • supports fees.foreign_currency_markup_pct

    “Cross Border Transaction Mark-up fee is 2.5%”

Before You Pick is independent. We don't take fees from card issuers to influence rankings.