Sri Lanka · HNB

HNB AAT Affinity Credit Card

visa · Gold · Verified 4 days ago

AATSL members and past finalists onlyAffinity · AAT (AATSL)

First year free

Overall ranking

Why this rank? · methodology

rank

66.69

score / 100

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.

Active offers strength169.67+15 / 15
Purchase APR26%+12 / 12
0% installment plans (EPP)1,218 plans+8 / 8
Interest-free period55 days+8 / 8
Benefits depth10 listed+4 / 4
Contactless paymentsYes+2 / 2
Foreign-transaction fee3%+7 / 7
Annual feeLKR 2,500+10.69 / 12

Data gaps

Airport lounge access—— / 12
Dining cashback—— / 8
Supermarket cashback—— / 8
Fuel cashback—— / 4

Total66.69 / 100 · captured 66.7%

Score history · 6 changesshow all 6

12 days agoscore ▲ 1.61This card changed
- annual fee(+1.61 pts)
14 days agoscore ▲ 3.08This card changed
- interest rate purchase(+6 pts)
- annual fee(-2.92 pts)
- offer strength67.75 → 153.417
- epp quality476 → 1,210
14 days agoscore ▲ 1.5 · rank ▲ 1This card changed
- key benefits · length5 → 8(+1.5 pts)
- offer strength150.083 → 67.75
- epp quality1,208 → 476

Alert me if this card's rank changes

Fees

Annual feeLKR 2,500

Joining feeLKR 0

Supplementary card feeLKR 0

Late payment feeLKR 750

Over-limit feeLKR 500

Cash advance fee4%

Foreign currency markup3%

Interest

Revolving APR26%

Cash advance APRNot published

Eligibility

Minimum incomeLKR 25,000

Rewards

Reward rateNot published

Reward typeNot published

Offers you can use (204)

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0% Instalment plans (551)

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Split purchases into 0% easy payment plans of up to 60 months at 551 partner merchants& categories.

Hayleys Solar A Plus Solar A Plus Technologies Abans Abans ADS Solar Airo Engineering Archer Prime International+543 more

Full details

Interest & rates

Purchase APR26%

Interest-free days55

Minimum payment3%

Rewards

Fuel surcharge1%

Perks

Instalment planYes

Eligibility & card

Minimum incomeRs. 25,000

TierGold

Networkvisa

CurrencyLKR

Full fee schedule (8)

Annual feeRs. 2,500

Joining feeRs. 0

Supplementary annual feeRs. 0

Late payment feeRs. 750

Over-limit feeRs. 500

Cash advance fee4%

Foreign-transaction markup3%

Card replacementRs. 500

Other

Affinity partnerAAT (AATSL)

Annual fee waiverJoining fee and first year annual fee waived off

Availability gateAATSL members and past finalists only

Balance transfer availableYes

Is affinityYes

Sources1 source · 2 editor overrides

Primary source · card_list_page

https://www.hnb.lk/cards

Last fetched 4 days ago · LLM confidence 90%

Cited quotes (11)

supports card_name
“HNB AAT Affinity Credit Card”
supports card_name
“HNB AAT Affinity Credit Card”
supports minimum_income_lkr
“A card for AATSL (Association of Accounting Technicians of Sri Lanka) members and past finalists with a minimum salary or consultation fee above LKR 25,000/-”
supports annual_fee_waiver_conditions
“Joining fee and first year annual fee waived off.”
supports fees.supplementary_card_fee_lkr
“Free supplementary cards.”
supports benefits[2]
“An incentive of 0.1% per transaction through the HNB AAT Affinity card is given to AATSL.”
supports benefits[3]
“50% of the annual fee will be shared with AAT.”
supports availability_gate
“A card for AATSL (Association of Accounting Technicians of Sri Lanka) members and past finalists with a minimum salary or consultation fee above LKR 25,000/-”
supports minimum_income_lkr
“minimum salary or consultation fee above LKR 25,000/-”
supports annual_fee_supplementary_lkr
“Free supplementary cards.”
supports is_affinity
“HNB AAT Affinity Credit Card”

Editor verification

backfill: HNB affinity cards are all Visa-issued per HNB confirmation

by admin · 2026-06-03T03:19:33.969517

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