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Sri Lanka · NDB

NDB Royal College Union Affinity Card

visa · Silver · Verified 2 days ago

Affinity · Royal College Union
💳 Lifetime free — no annual fee🧾 0% instalment plan💵 Loan-on-card up to 50% of limit

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 depth28 listed+4.00 / 4
  • Contactless paymentsyes+2.00 / 2
Total27.75 / 100 (shown: 27.74)
Score history · 22 changesshow all 22
  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 2,500verified by editor
Supplementary card feeNot published
Late payment feeLKR 1,950
Over-limit feeLKR 1,750
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 surcharge1%

Perks

Loan-on-card (max % of limit)50
0% instalment planYes
Instalment planYes

Eligibility & card

Minimum incomeRs. 100,000
TierSilver
Networkvisa
CurrencyLKR
Full fee schedule (10)
Annual feeRs. 5,500
Joining feeRs. 2,500
Supplementary annual feeRs. 2,000
Supplementary joining feeRs. 1,000
Late payment feeRs. 1,950
Over-limit feeRs. 1,750
Cash advance fee5%
Foreign-transaction markup4.5%
Card replacementRs. 1,000
PIN replacementRs. 300

Other

Affinity partnerRoyal College Union
Annual fee waiverNo Joining Fee
Card replacement fee supplementary750
Cash advance apr26%
Cash advance feeRs. 1,200
Cash advance fee minRs. 1,200
Cheque return feeRs. 2,000
Duplicate statement fee300
Is affinityYes
Is islamicNo
Loan on card availableYes
Sources1 source · 13 editor overrides

Cited quotes (25)

  • supports joining_fee_lkr

    “No Joining Fee”

  • supports interest_free_days

    “51 days Credit Period”

  • supports travel_insurance

    “Free Overseas Travel & Health Insurance”

  • supports instalment_plans

    “IPP Facility subject to a monthly handling fee on selected tenures”

  • supports benefits

    “Seasonal 0% IPP Facility”

  • supports benefits

    “Cash withdrawal 50% of the Card limit, subject to available balance”

  • supports benefits

    “Exclusive Discounts & Promotions valid only for RCU Affinity Card”

  • supports benefits

    “Year Round Discounts & Promotions”

  • supports joining_fee_lkr

    “No Joining Fee”

  • supports interest_free_days

    “51 days Credit Period”

  • supports benefits

    “Free Overseas Travel & Health Insurance”

  • supports benefits

    “IPP Facility subject to a monthly handling fee on selected tenures”

  • supports benefits

    “Seasonal 0% IPP Facility”

  • supports benefits

    “Cash withdrawal 50% of the Card limit, subject to available balance”

  • supports benefits

    “Year Round Discounts & Promotions”

  • supports benefits

    “Exclusive Discounts & Promotions valid only for RCU Affinity Card”

  • supports benefits

    “Free SMS alert facility”

  • supports annual_fee_waiver_conditions

    “No Joining Fee”

  • supports fees.joining_fee_lkr

    “No Joining Fee”

  • supports interest_free_period_days

    “51 days Credit Period”

  • supports travel_insurance

    “Free Overseas Travel & Health Insurance”

  • supports instalment_plan_available

    “IPP Facility subject to a monthly handling fee on selected tenures”

  • supports instalment_plan_interest_free

    “Seasonal 0% IPP Facility”

  • supports loan_on_card_max_pct_of_limit

    “Cash withdrawal 50% of the Card limit, subject to available balance”

  • supports is_affinity

    “Royal College Union Affinity Card – RCU Affinity Card”

Editor verification

backfill: card identified as affinity/co-brand - card_network requires manual pin from card-face image (CLAUDE.md guidance)

by admin · 2026-06-03T03:17:01.24226

BeforeYouPick is independent. We don't take fees from card issuers to influence rankings.