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Sri Lanka · Sampath

Sampath Bank American Express® Everyday Credit Card

American Express · Everyday · Verified 2 days ago

🧾 0% instalment plan

Overall ranking

Why this rank? · methodology
#32
rank
40.34
score / 100

What changed: score ▼ 0.03 since 1 day ago

  • offer strength38.75 → 37.75(-0.12 pts)
  • epp quality(+0.08 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 strength37.75+3.61 / 15
  • Annual feeLKR 3,000+9.68 / 12
  • Purchase APR26%+12.00 / 12
  • Airport lounge accessno data+0.00 / 12
  • Dining cashback0.5%+2.12 / 8
  • Supermarket cashback0.5%+2.12 / 8
  • 0% installment plans (EPP)116+0.76 / 8
  • Interest-free periodno data+0.00 / 8
  • Foreign-transaction fee3.5%+4.67 / 7
  • Fuel cashback0.5%+0.38 / 4
  • Benefits depth6 listed+3.00 / 4
  • Contactless paymentsyes+2.00 / 2
Total40.34 / 100 (shown: 40.34)
Score history · 5 changesshow all 5
  1. 3 hr agoscore ▼ 0.03This card changed
    • offer strength38.75 → 37.75(-0.12 pts)
    • epp quality(+0.08 pts)
  2. 1 day agoscore ▲ 0.38This card changed
    • epp quality(+0.22 pts)
    • offer strength37.75 → 38.75(+0.16 pts)
  3. 2 days agoscore ▼ 0.32This card changed
    • epp quality(-0.22 pts)
    • offer strength(-0.09 pts)

Fees

Annual feeLKR 3,000
Joining feeLKR 500
Supplementary card feeLKR 1,000
Late payment feeLKR 1,200
Over-limit feeNot published
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 (90)

See all →
  • McLarens Lubricants (Mobil) — 20% Off for Sampath Mastercard & Visa Credit Cardholdersto Jun 11

    McLarens Lubricants

  • 15% Discount at Lassana.com for Sampath Mastercard/Visa Credit Cardholdersto Jun 18

    Lassana.com

  • Wishque — 15% Off Cakes & Flowers for Sampath Credit Cardholdersto Jun 19

    Wishque

  • Card Member Dines Free on Themed Carvery Buffet at Cheers - Cinnamon Grand Colomboto Jun 21

    Cinnamon Hotels & Resorts

  • Softlogic GLOMARK — 30% off Fresh Produce for Sampath Credit Cardholders (Every Monday)to Jun 29

    Glomark

  • 15% Discount at Sigiriya Forest Edge By Marino Leisure for Sampath Cardholdersto Jun 30

    Sigiriya Forest Edge

0% Instalment plans (24)

See all →

Split purchases into 0% easy payment plans of up to 36 months at 24 partner merchants& categories.

DamroArpico Super CentreCeylon FurnitureDinapala GroupEser Marketing InternationalGNEXT Communications RetailNisaco MallQuantum Fitness+16 more

Full details

Interest & rates

Purchase APR26%
Minimum payment5%

Rewards

Cashback (general)0.5
Cashback min spendRs. 50,000
Fuel surcharge0%

Perks

ConciergeNo
0% instalment planYes
Instalment planYes

Eligibility & card

TierEveryday
NetworkAmerican Express
CurrencyLKR
Full fee schedule (7)
Annual feeRs. 3,000
Joining feeRs. 500
Supplementary annual feeRs. 1,000
Late payment feeRs. 1,200
Cash advance fee4%
Cash advance fee (min)Rs. 300
Foreign-transaction markup3.5%

Other

Cashback capRs. 1,000
ContactlessYes
Is affinityNo
Loan on card availableYes
Supplementary card feeRs. 1,000
Sources1 source

Primary source · card_list_page

https://www.sampath.lk/api/cards-wizard-items/1

Last fetched 2 days ago · LLM confidence 93%

Cited quotes (10)

  • supports card_name

    “Sampath Bank American Express® Everyday Credit Card”

  • supports interest_rate_apr_pct

    “Interest Fee - 26% p.a.”

  • supports fees.annual_fee_lkr

    “Annual Fee – Rs. 3,000/-”

  • supports fees.joining_fee_lkr

    “Joining Fee – Rs. 500/-”

  • supports fees.late_payment_fee_lkr

    “Late Payment Fee – Rs. 1,200/- or 5% of the minimum amount due (whichever is higher)”

  • supports fees.cash_advance_fee_pct

    “Cash Advances Fee) – 4% of the transaction value or Minimum of Rs. 300/- (whichever is higher)”

  • supports cashback_rate

    “'Cash Back' of up to 1% every month based on the value of all goods and services purchased.”

  • supports cashback_cap_lkr

    “You can earn up to a maximum 'Cash Back' of Rs. 1,000/ - per month.”

  • supports cashback_min_spend_lkr

    “Cardmember should spend a minimum of Rs.50,000/- monthly”

  • supports fuel_surcharge_pct

    “No fuel surcharge.”

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