Sri Lanka · People's Bank
People's VISA Gold / MasterCard Gold
— · Gold · Verified 13 hr ago
Overall ranking
Why this rank? · methodology#36
rank
34.78
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. 4 factors below lack data and score 0 by default; an operator can fill them in.
- Purchase APR26%+12 / 12
- Contactless paymentsYes+2 / 2
- Foreign-transaction fee2.5%+7 / 7
- Annual feeLKR 2,500+10.78 / 12
- Benefits depth6 listed+3 / 4
- Active offers strength0+0 / 15
- 0% installment plans (EPP)0 plans+0 / 8
- Interest-free period51 days+0 / 8
Data gaps
- Airport lounge access—— / 12
- Dining cashback—— / 8
- Supermarket cashback—— / 8
- Fuel cashback—— / 4
Total34.78 / 100 · captured 34.8%
Score history · 1 changeshow
- 1 hr agoscore steadyNow ranked
- interest rate purchase— → 26(+12 pts)
- annual fee— → 2,500(+10.78 pts)
- foreign tx fee— → 2.5(+7 pts)
- key benefits · length— → 6(+3 pts)
Fees
Annual feeLKR 2,500
Joining feeLKR 1,500
Supplementary card feeLKR 1,250
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)
See all →- Shangri-La Hambantota – 25% Off (Credit)to Jun 26
- Anantaya Resort & Spa – Pasikudah – Up to 50% off (People's Bank Credit)to Jun 30
- Flavoured at Cinnamon Red Colombo – 30% Off (Credit)to Jun 30
- Hunters – Up to 40% off on Home, Garden & Industrial Appliancesto Jun 30
Hunter Holdings
- Kandy City Hotel by Earls – 20% Off with People's Bank Credit Cardto Jun 30
- PickMe Food – 50% Off on Credit Cards (Every Tuesday)to Jun 30
PickMe
Full details
Interest & rates
Purchase APR26%
Interest-free days51
Minimum payment5%
Rewards
Fuel surcharge1%
Perks
Instalment planYes
Max instalment tenure (months)60
Min instalment amountRs. 25,000
Eligibility & card
Minimum credit limitRs. 100,000
TierGold
CurrencyLKR
Full fee schedule (12)
Annual feeRs. 2,500
Joining feeRs. 1,500
Supplementary annual feeRs. 1,250
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
Cash advance apr26%
ContactlessYes
Instalment plan tenure months min6
Is affinityNo
Maximum credit limitRs. 199,000
Sources1 source
Primary source · card_list_page
https://www.peoplesbank.lk/credit-cards/Last fetched 40 min ago · LLM confidence 80%
Cited quotes (4)
supports minimum_credit_limit_lkr
“Credit Limit: Rs 100,000 – Rs. 199,000”
supports interest_free_period_days
“Interest-free credit period of up to 51 days for all your purchases”
supports minimum_payment_pct
“Minimum payment of 5% of the outstanding balance”
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.