Sri Lanka · HNB

HNB St.Thomas' College Affinity Credit Card

Visa · — · Verified 4 days ago

Affinity · S. Thomas' College

First year free0% instalment plan

Overall ranking

Why this rank? · methodology

rank

64.67

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 depth18 listed+4 / 4
Contactless paymentsYes+2 / 2
Foreign-transaction fee3%+7 / 7
Annual feeLKR 3,500+8.67 / 12

Data gaps

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

Total64.67 / 100 · captured 64.7%

Score history · 5 changesshow all 5

13 days agoscore ▲ 1.71This card changed
- annual fee(+1.71 pts)
14 days agoscore ▲ 2.71This card changed
- interest rate purchase(+6 pts)
- annual fee(-3.29 pts)
- offer strength67.75 → 153.417
- epp quality476 → 1,210
16 days agoscore ▲ 8 · rank ▲ 4This card changed
- epp quality38 → 1,208(+8 pts)
- offer strength91.333 → 147.583

Alert me if this card's rank changes

Fees

Annual feeLKR 3,500

Joining feeLKR 0

Supplementary card feeNot published

Late payment feeLKR 750

Over-limit feeLKR 500

Cash advance fee4%

Foreign currency markup3%

Interest

Revolving APR26%

Cash advance APRNot published

Eligibility

Minimum incomeNot published

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

ConciergeNo

0% instalment planYes

Instalment planYes

Max instalment tenure (months)6

Eligibility & card

NetworkVisa

CurrencyLKR

Full fee schedule (7)

Annual feeRs. 3,500

Joining feeRs. 0

Late payment feeRs. 750

Over-limit feeRs. 500

Cash advance fee4%

Foreign-transaction markup3%

Card replacementRs. 500

Other

Affinity partnerS. Thomas' College

Annual fee waiver1st year annual fee waived off

Balance transfer availableYes

Is affinityYes

Sources1 source

Primary source · card_list_page

https://www.hnb.lk/cards

Last fetched 4 days ago · LLM confidence 90%

Cited quotes (14)

supports card_name
“HNB St.Thomas’ College Affinity Credit Card”
supports fees.joining_fee_lkr
“No Joining Fee.”
supports annual_fee_waiver_conditions
“1st year annual fee waived off.”
supports instalment_plan_tenure_months_max
“Up to 6 months 0% installment plan for any STC OBA related transactions.”
supports travel_insurance
“Complimentary overseas travel and health insurance cover for air ticket purchases.”
supports balance_transfer_available
“Other bank balance transfer option.”
supports is_affinity
“Old Boys of S. Thomas' College now have a chance of getting an Affinity Credit card with exclusive benefits.”
supports affinity_partner
“a percentage will be contributed to the STC OBA every time a card is issued and used.”
supports card_name
“HNB St.Thomas' College Affinity Credit Card”
supports annual_fee_waiver
“1st year annual fee waived off.”
supports instalment_plan_available
“Up to 6 months 0% installment plan for any STC OBA related transactions.”
supports instalment_plan_interest_free
“Up to 6 months 0% installment plan for S. Thomas College fee related payments.”
supports instalment_plan_interest_free
“Up to 6 months 0% installment plan for any STC OBA related transactions.”
supports instalment_plan_tenure_months_max
“Up to 6 months 0% installment plan for S. Thomas College fee related payments.”

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