Sri Lanka · HNB

HNB Visa Gold Credit Card

Visa · Gold · Verified 4 days ago

Overall ranking

Why this rank? · methodology

rank

65.88

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 depth15 listed+4 / 4
Contactless paymentsYes+2 / 2
Foreign-transaction fee3%+7 / 7
Annual feeLKR 2,900+9.88 / 12

Data gaps

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

Total65.88 / 100 · captured 65.9%

Score history · 6 changesshow all 6

13 days agoscore ▲ 1.65This card changed
- annual fee(+1.65 pts)
14 days agoscore ▲ 2.23 · rank ▼ 1This card changed
- interest rate purchase(+6 pts)
- annual fee(-3.77 pts)
- offer strength67.75 → 153.417
- epp quality476 → 1,210
14 days agoscore ▲ 1This card changed
- key benefits · length6 → 10(+1 pts)
- offer strength150.083 → 67.75
- epp quality1,208 → 476

Alert me if this card's rank changes

Fees

Annual feeLKR 2,900

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 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

Instalment planYes

Eligibility & card

TierGold

NetworkVisa

CurrencyLKR

Full fee schedule (8)

Annual feeRs. 2,900

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

Balance transfer availableYes

Is affinityNo

Loan on card availableYes

Sources1 source

Primary source · card_list_page

https://www.hnb.lk/cards

Last fetched 4 days ago · LLM confidence 90%

Cited quotes (12)

supports card_name
“HNB Visa Gold”
supports card_name
“HNB Visa Gold”
supports card_network
“HNB Visa Gold”
supports travel_insurance
“Let you and your family enjoy free overseas travel and health insurance with air ticket purchases.”
supports instalment_plan_available
“Enjoy easy payment plans on call/click and convert basis.”
supports balance_transfer_available
“Balance Transfer Facility”
supports benefits[0]
“Let you and your family enjoy free overseas travel and health insurance with air ticket purchases.”
supports benefits[1]
“Track your card balances and purchases whenever you go through real time SMS alerts on your phone or through the Missed Call Alert Facility.”
supports benefits[2]
“Enjoy easy payment plans on call/click and convert basis.”
supports benefits[3]
“Get a supplementary card - ensuring that your family will be secure and have convenience and access to purchase their heart's desire.”
supports benefits[4]
“Get cash withdrawals within the credit card limit from any ATM worldwide.”
supports benefits[5]
“A gold card gets you discounts at selected merchants and free overseas travel insurance.”

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