Sri Lanka · HNB
HNB Visa Infinite Credit Card
Visa · Infinite · Verified 4 days ago
FlySmilesConciergeLoan-on-card up to 75% of limit
Overall ranking
Why this rank? · methodology#22
rank
56.61
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 depth27 listed+4 / 4
- Contactless paymentsYes+2 / 2
- Foreign-transaction fee3%+7 / 7
- Annual feeLKR 7,500+0.61 / 12
Data gaps
- Airport lounge access—— / 12
- Dining cashback—— / 8
- Supermarket cashback—— / 8
- Fuel cashback—— / 4
Total56.61 / 100 · captured 56.6%
Score history · 7 changesshow all 7
- 12 days agoscore ▲ 0.61 · rank ▼ 1This card changed
- annual fee(+0.61 pts)
- 14 days agoscore ▲ 6 · rank ▲ 6This card changed
- interest rate purchase(+6 pts)
- offer strength67.75 → 153.417
- epp quality476 → 1,210
- 14 days agoscore ▲ 0.5 · rank ▼ 5This card changed
- key benefits · length7 → 15(+0.5 pts)
- offer strength150.083 → 67.75
- epp quality1,208 → 476
Fees
Annual feeLKR 7,500
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 incomeNot published
Rewards
Reward rateNot published
Reward typeNot published
Offers you can use (204)
See all →- 10% off on Cakes & Flowers at Wishque.comto Jun 19
Wishque
- Special Father's Day Offer at Sheraton Kosgoda Turtle Beach Resortto Jun 19
Sheraton Kosgoda Turtle Beach Resort
- Up to 40% off on all Meal plans at selected Jetwing Hotelsto Jun 20
Jetwing Hotels
- 15% off at Emeraldto Jun 21
Emerald
- 20% off at DSI on Men's Footwear (20–21 June 2026)to Jun 21
DSI
- 20% off on Gents Collection at Leather Collectionto Jun 21
Leather Collection
0% Instalment plans (551)
See all →Split purchases into 0% easy payment plans of up to 60 months at 551 partner merchants& categories.
Full details
Interest & rates
Purchase APR26%
Interest-free days55
Minimum payment3%
Rewards
Rewards programmeFlySmiles
Fuel surcharge1%
Perks
ConciergeYes
Loan-on-card (max % of limit)75
Instalment planYes
Eligibility & card
TierInfinite
NetworkVisa
CurrencyLKR
Full fee schedule (8)
Annual feeRs. 7,500
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
Balance transfer availableYes
Is affinityNo
Loan on card availableYes
Rewards programmeFlySmiles
Sources1 source
Cited quotes (18)
supports card_name
“HNB Visa Infinite Cards”
supports rewards_programme
“The FlySmiles redemption program is available only for HNB Infinite cardholders.”
supports benefits[0]
“The points accumulated for each cardholder (Rs.1000 spent = 1 point = 1 FlySmiles) (Effective from 15th of August 2022).”
supports benefits[0]
“You need to collect 5000 points within the calendar year in order to redeem them.”
supports benefits[0]
“FlySmiles points accumulated during the year will expire on the 31st of December for each respective calendar year.”
supports benefits[2]
“Enjoy free overseas travel and health insurance. with every air ticket purchased by your HNB Infinite card.”
supports loan_on_card_max_pct_of_limit
“Get cash withdrawals of up to 75% of the credit card limit from any ATM.”
supports concierge_service
“VISA Concierge App - Convenience in a Click.”
supports benefits[4]
“Visa Concierge is at your command 24 hours a day, 365 days of the year, to ease every single moment of your day. It opens the doors to the most extraordinary things life has to offer, from travel or dinner reservations to assistance on demand, and much more.”
supports instalment_plan_available
“Enjoy easy payment plan packages.”
supports benefits[6]
“You can even track your card balance and purchases through real time SMS alerts on your phone both locally and internationally.”
supports card_network
“HNB Visa Infinite Cards”
supports rewards_programme
“The FlySmiles redemption program is available only for HNB Infinite cardholders. The points accumulated for each cardholder (Rs.1000 spent = 1 point = 1 FlySmiles) (Effective from 15th of August 2022).”
supports benefits[4]
“Visa Concierge is at your command 24 hours a day, 365 days of the year, to ease every single moment of your day.”
supports benefits[0]
“Rs.1000 spent = 1 point = 1 FlySmiles”
supports benefits[1]
“Enjoy free overseas travel and health insurance. with every air ticket purchased by your HNB Infinite card.”
supports concierge_service
“Visa Concierge is at your command 24 hours a day, 365 days of the year, to ease every single moment of your day.”
supports travel_insurance
“Enjoy free overseas travel and health insurance. with every air ticket purchased by your HNB Infinite card.”
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