Sri Lanka · NDB

NDB Old Trinitians Rugby Scrummage Affinity Card (OTRS Affinity Card)

visa · Silver · Verified 4 days ago

Affinity · Old Trinitians Rugby Scrummage

0% instalment planLoan-on-card up to 50% of limit

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 depth28 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 · 29 changesshow all 29

3 hr agoscore ▼ 0.08This card changed
- offer strength(-0.08 pts)
1 day agoscore ▲ 0.06 · rank ▲ 1This card changed
- offer strength47.667 → 48.333(+0.05 pts)
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 2,500verified by editor

Supplementary card feeLKR 2,000

Late payment feeLKR 1,950

Over-limit feeLKR 1,750

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)

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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.

Abans BigDeals.lk Acron Travels Aminra Jewellers China Duty Free Classic Travels CrazyJets Damro+31 more

Full details

Interest & rates

Purchase APR26%

Interest-free days51

Minimum payment4%

Rewards

Fuel surcharge1%

Perks

Loan-on-card (max % of limit)50

0% instalment planYes

Instalment planYes

Eligibility & card

Minimum incomeRs. 100,000

TierSilver

Networkvisa

Typecredit

CurrencyLKR

Full fee schedule (12)

Annual feeRs. 5,500

Joining feeRs. 2,500

Supplementary annual feeRs. 2,000

Supplementary joining feeRs. 1,000

Late payment feeRs. 1,950

Over-limit feeRs. 1,750

Cash advance fee5%

Cash advance fee (min)Rs. 1,200

Foreign-transaction markup4.5%

Card replacementRs. 1,000

PIN replacementRs. 300

Cheque returnRs. 2,000

Other

Affinity partnerOld Trinitians Rugby Scrummage

Card replacement fee supplementary750

Cash advance apr26%

Cash advance feeRs. 1,200

Duplicate statement fee300

Is affinityYes

IslamicNo

Loan on card availableYes

Sources1 source · 13 editor overrides

Primary source · tariff_pdf

https://ndbbankweb.ndbbank.com/downloads/60912e16-6d32-43d6-9de8-327bfeacd452_credit-card-tariff-in-3-languages-01.06.2026-eng.pdf

Last fetched 18 days ago · LLM confidence 78%

Cited quotes (26)

supports joining_fee_lkr
“No Joining Fee”
supports interest_free_days
“51 days Credit Period”
supports benefits
“Free Overseas Travel & Health Insurance”
supports benefits
“IPP Facility subject to a monthly handling fee on selected tenures”
supports benefits
“Seasonal 0% IPP Facility”
supports benefits
“Cash withdrawal 50% of the Card limit, subject to available balance”
supports benefits
“Exclusive Discounts & Promotions valid only for OTRS Affinity Card”
supports benefits
“Year Round Discounts & Promotions”
supports joining_fee_lkr
“No Joining Fee”
supports interest_free_days
“51 days Credit Period”
supports benefits
“Free Overseas Travel & Health Insurance”
supports benefits
“IPP Facility subject to a monthly handling fee on selected tenures”
supports benefits
“Seasonal 0% IPP Facility”
supports benefits
“Cash withdrawal 50% of the Card limit, subject to available balance”
supports benefits
“Exclusive Discounts & Promotions valid only for OTRS Affinity Card”
supports benefits
“Year Round Discounts & Promotions”
supports benefits
“Free SMS alert facility”
supports fees.joining_fee_lkr
“No Joining Fee”
supports interest_free_period_days
“51 days Credit Period”
supports max_interest_free_days
“51 days Credit Period”
supports travel_insurance
“Free Overseas Travel & Health Insurance”
supports instalment_plan_available
“IPP Facility subject to a monthly handling fee on selected tenures”
supports instalment_plan_interest_free
“Seasonal 0% IPP Facility”
supports loan_on_card_max_pct_of_limit
“Cash withdrawal 50% of the Card limit, subject to available balance”
supports is_affinity
“Old Trinitians Rugby Scrummage Affinity Card – OTRS Affinity Card”
supports affinity_partner
“Old Trinitians Rugby Scrummage Affinity Card – OTRS Affinity Card”

Editor verification

backfill: card identified as affinity/co-brand - card_network requires manual pin from card-face image (CLAUDE.md guidance)

by admin · 2026-06-03T03:17:01.24226

BeforeYouPick is independent. We don't take fees from card issuers to influence rankings.