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Sri Lanka · NDB

NDB Infinite Credit Card

visa · Infinite · Verified 4 days ago

LoungeKey lounge

Overall ranking

Why this rank? · methodology
#67
rank
19.06
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
  • Contactless paymentsYes+2 / 2
  • Active offers strength48.33+4.27 / 15
  • 0% installment plans (EPP)120 plans+0.79 / 8
  • Annual feeLKR 8,500+0 / 12
  • Interest-free period51 days+0 / 8
  • Foreign-transaction fee4.5%+0 / 7
  • Benefits depth0 listed+0 / 4
Data gaps
  • Airport lounge access—— / 12
  • Dining cashback—— / 8
  • Supermarket cashback—— / 8
  • Fuel cashback—— / 4
Total19.06 / 100 · captured 19.1%
Score history · 29 changesshow all 29
  1. 4 hr agoscore ▼ 0.08This card changed
    • offer strength(-0.08 pts)
  2. 1 day agoscore ▲ 0.05This card changed
    • offer strength47.667 → 48.333(+0.05 pts)
  3. 2 days agoscore ▲ 0.05This 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 8,500
Joining feeLKR 2,500
Supplementary card feeLKR 4,250
Late payment feeLKR 2,100
Over-limit feeLKR 2,000
Cash advance fee5%
Foreign currency markup4.5%

Interest

Revolving APR26%
Cash advance APR26%

Eligibility

Minimum incomeLKR 500,000

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.

AbansBigDeals.lkAcron TravelsAminra JewellersChina Duty FreeClassic TravelsCrazyJetsDamro+31 more

Full details

Interest & rates

Purchase APR26%
Interest-free days51
Minimum payment4%

Rewards

Fuel surcharge waiverNo
Fuel surcharge1%

Perks

Lounge programmeLoungeKey
Instalment planYes

Eligibility & card

Minimum incomeRs. 500,000
TierInfinite
Networkvisa
CurrencyLKR
Full fee schedule (12)
Annual feeRs. 8,500
Joining feeRs. 2,500
Supplementary annual feeRs. 4,250
Supplementary joining feeRs. 1,500
Late payment feeRs. 2,100
Over-limit feeRs. 2,000
Cash advance fee5%
Cash advance fee (min)Rs. 1,200
Foreign-transaction markup4.5%
Card replacementRs. 1,500
PIN replacementRs. 300
Cheque returnRs. 2,000

Other

Card replacement fee supplementary1000
Cash advance apr26%
Duplicate statement fee300
Is affinityNo
Lounge access detailsLounge Key Access - One Time Membership Fee: FOC; Access fee per visit: USD 32
Sources1 source · 2 editor overrides

Cited quotes (23)

  • supports cards[2].interest_rate_purchases_apr

    “Interest Rate % p.a. (Retail Purchase) 26%”

  • supports cards[2].interest_rate_cash_apr

    “Interest Rate % p.a. (Cash Advance) 26%”

  • supports cards[2].annual_fee_lkr

    “Annual Fee - Primary ... LKR 8500”

  • supports cards[2].joining_fee_lkr

    “Joining Fee - Primary ... LKR 2500”

  • supports cards[2].supplementary_card_fee_lkr

    “Annual fee - Supplementary ... LKR 4250”

  • supports cards[2].late_payment_fee_lkr

    “LKR 2100 OR 0.5% from the closing balance ( Whichever is high)”

  • supports cards[2].over_limit_fee_lkr

    “Over Limit Fee LKR 2000”

  • supports cards[2].cash_advance_fee_pct

    “LKR 1,200+5% on face value”

  • supports cards[2].foreign_tx_fee_pct

    “an additional amount (up to 4.5%) will be added to the rate at the time of billing”

  • supports cards[2].fuel_surcharge_pct

    “1% of the transaction value is applicable for fuel transactions as per card scheme guidelines”

  • supports cards[2].interest_free_days

    “Interest free days on new purchases (Maximum) 51 Days”

  • supports cards[2].minimum_payment_pct

    “Minimum Payment Due 4%”

  • supports cards[2].lounge_access

    “Lounge Key Access(One Time Membership Fee) ... FOC”

  • supports minimum_income_lkr

    “You must be permanently employed with a minimum gross monthly income of LKR 500,000.”

  • supports benefits[0]

    “Enjoy access to over 1,265+ airport lounges worldwide along with free Wi-Fi, conference space and a wide range of pre-flight snacks and beverages to select from.”

  • supports benefits[1]

    “Purchase your return air tickets using your NDB credit card and be entitled to a complementary travel insurance cover (T&C apply)”

  • supports benefits[2]

    “Free Insurance coverage to cover the cardholder outstanding at the time of death or permanent disability.”

  • supports benefits[3]

    “Repay your high value purchases in equal monthly installments at preferential rates.”

  • supports benefits[4]

    “Enjoy exclusive offers on lodging, transportation and airport services worldwide.”

  • supports lounge_access

    “Enjoy access to over 1,265+ airport lounges worldwide along with free Wi-Fi, conference space and a wide range of pre-flight snacks and beverages to select from.”

  • supports lounge_programme

    “Lounge Key — Enjoy access to over 1,265+ airport lounges worldwide.”

  • supports travel_insurance

    “Purchase your return air tickets using your NDB credit card and be entitled to a complementary travel insurance cover (T&C apply)”

  • supports instalment_plan_available

    “Repay your high value purchases in equal monthly installments at preferential rates.”

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