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Sri Lanka · NDB

NDB Platinum Credit Card

visa · Platinum · Verified 4 days ago

Overall ranking

Why this rank? · methodology
#53
rank
27.7
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
  • Benefits depth13 listed+4 / 4
  • Contactless paymentsYes+2 / 2
  • Annual feeLKR 5,500+4.64 / 12
  • Active offers strength48.33+4.27 / 15
  • 0% installment plans (EPP)120 plans+0.79 / 8
  • Interest-free period51 days+0 / 8
  • Foreign-transaction fee4.5%+0 / 7
Data gaps
  • Airport lounge access—— / 12
  • Dining cashback—— / 8
  • Supermarket cashback—— / 8
  • Fuel cashback—— / 4
Total27.7 / 100 · captured 27.7%
Score history · 30 changesshow all 30
  1. 3 hr agoscore ▼ 0.08This card changed
    • offer strength(-0.08 pts)
  2. 1 day agoscore ▲ 0.06 · rank ▲ 1This card changed
    • offer strength47.667 → 48.333(+0.05 pts)
  3. 2 days agoscore ▲ 0.04This 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 5,500verified by editor
Joining feeLKR 2,500
Supplementary card feeLKR 2,750
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 100,000

Rewards

Reward rateNot published
Reward typeNot published

Offers you can use (57)

See all →

0% Instalment plans (39)

See all →

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%

Eligibility & card

Minimum incomeRs. 100,000
Minimum age18
TierPlatinum
Networkvisa
Typecredit
CurrencyLKR
Full fee schedule (12)
Annual feeRs. 5,500
Joining feeRs. 2,500
Supplementary annual feeRs. 2,750
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 membership Not Applicable; Lounge Key Access fee per Visit $32
Sources1 source · 3 editor overrides

Cited quotes (14)

  • supports cards[0].interest_rate_purchases_apr

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

  • supports cards[0].interest_rate_cash_apr

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

  • supports cards[0].annual_fee_lkr

    “Annual Fee - Primary ... LKR 5500”

  • supports cards[0].joining_fee_lkr

    “Joining Fee - Primary ... LKR 2500”

  • supports cards[0].supplementary_card_fee_lkr

    “Annual fee - Supplementary ... LKR 2750”

  • supports cards[0].late_payment_fee_lkr

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

  • supports cards[0].over_limit_fee_lkr

    “Over Limit Fee LKR 2000”

  • supports cards[0].cash_advance_fee_pct

    “LKR 1,200+5% on face value”

  • supports cards[0].foreign_tx_fee_pct

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

  • supports cards[0].fuel_surcharge_pct

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

  • supports cards[0].interest_free_days

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

  • supports cards[0].minimum_payment_pct

    “Minimum Payment Due 4%”

  • supports cards[0].lounge_access

    “Lounge Key Access(One Time Membership Fee) ... Not Applicable”

  • supports minimum_income_lkr

    “You must be permanently employed with a minimum gross monthly income of LKR 100,000.”

Editor verification

backfill: NDB cards are all Visa-issued - slug encodes network, verified against ndbbank.com

by admin · 2026-06-03T03:17:01.24226

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