Sri Lanka · NDB

NDB UOCMBAAA Affinity Card (University of Colombo MBA Alumni Association)

visa · Silver · Verified 2 days ago

Affinity · University of Colombo MBA Alumni Association

💳 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 depth30 listed+4.00 / 4
Contactless paymentsyes+2.00 / 2

Total27.75 / 100 (shown: 27.74)

Score history · 22 changesshow all 22

3 hr agoscore ▲ 0.06This card changed
- epp quality(+0.09 pts)
1 day agoscore ▲ 0.25This card changed
- epp quality(+0.22 pts)
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

Typecredit

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 partnerUniversity of Colombo MBA Alumni Association

Affinity programmeUniversity of Colombo MBA Alumni Association (UOCMBAAA)

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

Loan on card availableYes

Sources1 source · 13 editor overrides

Primary source · tariff_pdf

https://ndbbankweb.ndbbank.com/downloads/60912e16-6d32-43d6-9de8-327bfeacd452_credit-card-tariff-in-3-languages-01.06.2026-eng.pdf

Last fetched 9 days ago · LLM confidence 72%

Cited quotes (26)

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
“Year-Round Discounts & Promotions”
supports benefits
“Cash withdrawal 50% of the Card limit, subject to available balance”
supports benefits
“Exclusive Discounts & Promotions valid only for UOCMBAAA Affinity Card”
supports benefits
“Free SMS alert facility”
supports joining_fee_lkr
“No Joining Fee”
supports interest_free_days
“51 days Credit Period”
supports benefits
“Free SMS alert facility”
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 UOCMBAAA Affinity Card”
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
“Exclusive Discounts & Promotions valid only for UOCMBAAA 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.