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Sri Lanka · NDB

NDB AAC Affinity Card

visa · Silver · Verified 4 days ago

Affinity · AAC
0% instalment planLoan-on-card up to 50% of limit

Overall ranking

Why this rank? · methodology
#53
rank
27.7
score / 100

What changed: score ▼ 0.08 since 1 day ago

  • offer strength(-0.08 pts)

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
  • Benefits depth30 listed+4 / 4
  • Contactless paymentsYes+2 / 2
  • Annual feeLKR 5,500+4.64 / 12
  • Active offers strength48.33+4.27 / 15
  • 0% installment plans (EPP)120 plans+0.79 / 8
  • Interest-free period51 days+0 / 8
  • Foreign-transaction fee4.5%+0 / 7
Data gaps
  • Airport lounge access—— / 12
  • Dining cashback—— / 8
  • Supermarket cashback—— / 8
  • Fuel cashback—— / 4
Total27.7 / 100 · captured 27.7%
Score history · 29 changesshow all 29
  1. 2 hr agoscore ▼ 0.08This card changed
    • offer strength(-0.08 pts)
  2. 1 day agoscore ▲ 0.06 · rank ▲ 1This card changed
    • offer strength47.667 → 48.333(+0.05 pts)
  3. 2 days agoscore ▲ 0.04This card changed
    • offer strength46.667 → 47.667(+0.04 pts)
    • epp quality118 → 120(+0.01 pts)
Alert me if this card's rank changes

Fees

Annual feeLKR 5,500verified by editor
Joining feeLKR 2,500verified by editor
Supplementary card feeLKR 2,000
Late payment feeLKR 1,950
Over-limit feeLKR 1,750
Cash advance fee5%
Foreign currency markup4.5%

Interest

Revolving APR26%
Cash advance APR26%

Eligibility

Minimum incomeLKR 100,000

Rewards

Reward rateNot published
Reward typeNot published

Offers you can use (57)

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0% Instalment plans (39)

See all →

Split purchases into 0% easy payment plans of up to 48 months at 39 partner merchants& categories.

AbansBigDeals.lkAcron TravelsAminra JewellersChina Duty FreeClassic TravelsCrazyJetsDamro+31 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 (12)
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%
Cash advance fee (min)Rs. 1,200
Foreign-transaction markup4.5%
Card replacementRs. 1,000
PIN replacementRs. 300
Cheque returnRs. 2,000

Other

Affinity partnerAAC
Card replacement fee supplementary750
Cash advance apr26%
Cash advance feeRs. 1,200
Cash advance limit50%
Duplicate statement fee300
Is affinityYes
Loan on card availableYes
Sources1 source · 13 editor overrides

Cited quotes (24)

  • supports cards[3].interest_rate_purchases_apr

    “Interest Rate % p.a. (Retail Purchase) 26%”

  • supports cards[3].interest_rate_cash_apr

    “Interest Rate % p.a. (Cash Advance) 26%”

  • supports cards[3].late_payment_fee_lkr

    “LKR 2100 OR 0.5% from the closing balance ( Whichever is high)”

  • supports cards[3].over_limit_fee_lkr

    “Over Limit Fee LKR 2000”

  • supports cards[3].cash_advance_fee_pct

    “LKR 1,200+5% on face value”

  • supports cards[3].foreign_tx_fee_pct

    “an additional amount (up to 4.5%) will be added to the rate at the time of billing”

  • supports cards[3].fuel_surcharge_pct

    “1% of the transaction value is applicable for fuel transactions as per card scheme guidelines”

  • supports cards[3].interest_free_days

    “Interest free days on new purchases (Maximum) 51 Days”

  • supports cards[3].minimum_payment_pct

    “Minimum Payment Due 4%”

  • 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

    “Free SMS alert facility”

  • supports benefits

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

  • supports benefits

    “Year-Round Discounts & Promotions”

  • 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”

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

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