JKOA

Valid for transactions till 30th September 2026. Minimum single transaction value LKR 50,000 to qualify. Only POS transactions eligible; airline transactions not eligible under Travel Agent-related conversions. Cardmember must call 0114414141 within 30 days of the transaction date to request conversion to 6 or 12 monthly instalments (some merchants convert at the outlet directly instead — Dialog, John Keells Office Automation, Francium/Apple Asia, ONEi, LuxuryX, GNEXT Sri Lanka, Greenware Mobile, Raja Jewellers, Abans, Damro, Singer/Sisil World, Singhagiri, Dinapala, Hayleys Fentons Solar, Abans Solar, Cinnamon Lakeside Colombo, Mount Lavinia Hotel, Cinnamon Resorts, Hilton Residences). A processing fee of LKR 2,500 applies for most categories/merchants (Automobile — All merchants incl. Overseas Transactions; Education; Other Insurance Providers; Other Travel Agents; Arpico Furniture, Seetha Holdings, Lanka Wall Tile; Ravi Jewellers, Tiesh, Colombo Jewellery Stores, Chatham Luxury Watches, DINIDU Jewellery; Asiri, Nawaloka, Durdans, Kings, Hemas, Ninewells Care Hospitals, Joseph Fraiser); no processing fee for Sri Lanka Insurance, Sri Lankan Airlines, SLT Mobitel, Dialog and its listed partners, Raja Jewellers, Abans, Damro, Singer/Sisil World, Singhagiri, Dinapala, Hayleys Fentons Solar, Abans Solar, and the listed Banquet Hall venues (Cinnamon Lakeside Colombo, Mount Lavinia Hotel, Cinnamon Resorts, Hilton Residences). The Bank may reject any ESP request at its sole discretion. Only personal-nature transactions qualify. Outstanding balance remains within existing credit limit and reduces gradually as instalments are repaid. Interest applies on any unsettled due balance per the Cardmember agreement. Early settlement fees apply per the Bank's Tariff. On card termination/cancellation/non-renewal/suspension or breach, all outstanding instalments become immediately due and payable in full. General credit card terms and conditions continue to apply.

Only Point-of-Sale (POS) transactions eligible. Minimum single transaction LKR 50,000. Cardmember must call 0114414141 (or convert at merchant outlet for select merchants: Dialog, Abans, Damro, Singer/Sisil World, Singhagiri, Dinapala, Hayleys Fentons Solar, Abans Solar, Raja Jewellers, Cinnamon Lakeside Colombo, Mount Lavinia Hotel, Cinnamon Resorts, Hilton Residences) within 30 days of transaction date. Processing fee of LKR 2,500 applies for most merchants/categories except: Sri Lanka Insurance, Sri Lankan Airlines, Sri Lanka Telecom/SLT Mobitel, Dialog, Raja Jewellers, Abans, Damro, Singer/Sisil World, Singhagiri, Dinapala, Hayleys Fentons Solar, Abans Solar, Cinnamon Lakeside Colombo, Mount Lavinia Hotel, Cinnamon Resorts, Hilton Residences (no processing fee). Airline transactions not eligible under Travel Agent-related ESP conversions. Valid only for personal-nature transactions. Bank may reject non-compliant requests at its sole discretion. Early settlement fees apply per bank tariff. General credit card and Cardmember agreement terms continue to apply.

Valid till 30th September 2026. Minimum single transaction value LKR 50,000/-. Transaction must be converted at the merchant outlet. Processing fee of LKR 2,500 applies. Cardmember must inform Call Centre within 30 days from transaction date to convert. Valid only for personal nature transactions. Excluding Corporate Cards. Early settlement fees apply. The Bank may reject requests at its sole discretion.

Processing fee of LKR 2,500 applies for: overseas transactions, other insurance providers, other travel agents, other jewellers (Ravi Jewellers, Tiesh, Colombo Jewellery Stores, Chatham Luxury Watches, DINIDU Jewellery), Arpico Furniture, Seetha Holdings, Lanka Wall Tile, Asiri/Nawaloka/Durdans/Kings/Hemas/Ninewells hospitals, Joseph Fraiser. No processing fee for Sri Lanka Insurance, Sri Lankan Airlines, SLT Mobitel, Dialog and its listed device partners, Raja Jewellers, Abans, Damro, Singer/Sisil World, Singhagiri, Dinapala, Hayleys Fentons Solar, Abans Solar, and banquet hall venues (Cinnamon Lakeside Colombo, Mount Lavinia Hotel, Cinnamon Resorts, Hilton Residences). Minimum single transaction value LKR 50,000. Conversion to 6 or 12 equal monthly instalments via call centre (0114414141) within 30 days of transaction, except select merchants convertible at the outlet directly. Only POS transactions eligible; airline transactions excluded from Travel Agent ESP; personal-nature transactions only; Bank may reject non-compliant requests at its discretion; early settlement fees apply per tariff; outstanding instalments become immediately due if card is terminated/cancelled/suspended.