Sri Lanka · NDB

NDB Bishops Affinity Card

visa · Silver · Verified 4 days ago

Affinity · Bishops

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 depth25 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

3 hr agoscore ▼ 0.08This card changed
- offer strength(-0.08 pts)
1 day agoscore ▲ 0.06 · rank ▲ 1This card changed
- offer strength47.667 → 48.333(+0.05 pts)
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)

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

Abans BigDeals.lk Acron Travels Aminra Jewellers China Duty Free Classic Travels CrazyJets Damro+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 partnerBishops

Card replacement fee supplementary750

Cash advance apr26%

Cash advance feeRs. 1,200

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 18 days ago · LLM confidence 72%

Cited quotes (27)

supports joining_fee_lkr
“No Joining Fee”
supports interest_free_days
“51 days Credit Period”
supports benefits
“Free Overseas Travel & Health Insurance”
supports benefits
“Cash withdrawal 50% of the Card limit, subject to available balance”
supports benefits
“IPP Facility subject to a monthly handling fee on selected tenures”
supports benefits
“Seasonal 0% IPP Facility”
supports benefits
“Exclusive Discounts & Promotions valid only for Bishops Affinity Card”
supports benefits
“Year-Round Discounts & Promotions”
supports benefits
“Free SMS alert facility”
supports joining_fee_lkr
“No Joining Fee”
supports interest_free_days
“51 days Credit Period”
supports benefits[2]
“Free Overseas Travel & Health Insurance”
supports benefits[4]
“IPP Facility subject to a monthly handling fee on selected tenures”
supports benefits[4]
“Seasonal 0% IPP Facility”
supports benefits[5]
“Cash withdrawal 50% of the Card limit, subject to available balance”
supports benefits[7]
“Free SMS alert facility”
supports benefits[8]
“Year-Round Discounts & Promotions”
supports benefits[1]
“Exclusive Discounts & Promotions valid only for Bishops Affinity Card”
supports cash_advance_limit_pct_of_credit
“Cash withdrawal 50% of the Card limit, subject to available balance”
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
“Bishops Affinity Card”
supports benefits[5]
“Exclusive Discounts & Promotions valid only for Bishops 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.