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Sri Lanka · NDB

NDB Signature Credit Card

visa · Signature · Verified 4 days ago

LoungeKey loungeTravel insurance USD 100,000

Overall ranking

Why this rank? · methodology
#66
rank
21.68
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
  • Annual feeLKR 6,500+2.62 / 12
  • 0% installment plans (EPP)120 plans+0.79 / 8
  • 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
Total21.68 / 100 · captured 21.7%
Score history · 29 changesshow all 29
  1. 3 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 6,500
Joining feeLKR 2,500
Supplementary card feeLKR 3,250
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 300,000

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
Travel insurance cover (USD)USD 100,000
ConciergeNo
0% instalment planNo
Instalment planYes

Eligibility & card

Minimum incomeRs. 300,000
TierSignature
Networkvisa
Typecredit
CurrencyLKR
Full fee schedule (12)
Annual feeRs. 6,500
Joining feeRs. 2,500
Supplementary annual feeRs. 3,250
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 (21)

  • supports cards[1].interest_rate_purchases_apr

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

  • supports cards[1].interest_rate_cash_apr

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

  • supports cards[1].annual_fee_lkr

    “Annual Fee - Primary ... LKR 6500”

  • supports cards[1].joining_fee_lkr

    “Joining Fee - Primary ... LKR 2500”

  • supports cards[1].supplementary_card_fee_lkr

    “Annual fee - Supplementary ... LKR 3250”

  • supports cards[1].late_payment_fee_lkr

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

  • supports cards[1].over_limit_fee_lkr

    “Over Limit Fee LKR 2000”

  • supports cards[1].cash_advance_fee_pct

    “LKR 1,200+5% on face value”

  • supports cards[1].foreign_tx_fee_pct

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

  • supports cards[1].fuel_surcharge_pct

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

  • supports cards[1].interest_free_days

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

  • supports cards[1].minimum_payment_pct

    “Minimum Payment Due 4%”

  • supports cards[1].lounge_access

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

  • supports minimum_income_lkr

    “you must be permanently employed with a minimum monthly net income of LKR 300,000 (after pay slip and CRIB deductions).”

  • supports lounge_programme

    “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

    “Free Global Travel Insurance cover up to USD 100,000 (T&C apply)”

  • supports benefits

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

  • supports travel_insurance_cover_usd

    “Free Global Travel Insurance cover up to USD 100,000 (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.”

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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