Sri Lanka · NDB
NDB Royal College Union Affinity Card
visa · Silver · Verified 4 days ago
Overall ranking
Why this rank? · methodologyWhat 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
- Airport lounge access—— / 12
- Dining cashback—— / 8
- Supermarket cashback—— / 8
- Fuel cashback—— / 4
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)
Fees
Interest
Eligibility
Rewards
Offers you can use (57)
See all →- 10% Savings on Wishque Cakes and Flower Arrangementsto Jun 19
Wishque
- 15% Savings at Emerald on NDB Credit Cardsto Jun 21
Emerald
- Leather Collection — 20% Savings on NDB Credit Cardsto Jun 21
Leather Collection
- 25% Savings on Fresh Vegetables, Fruit, Fish & Meat at Softlogic Glomarkto Jun 24
Glomark
- 20% Savings on Total Bill at Softlogic Glomarkto Jun 28
Glomark
- 0% Instalment Plans for 12 Months at Toyota Lankato Jun 30
Toyota Lanka
0% Instalment plans (39)
See all →Split purchases into 0% easy payment plans of up to 48 months at 39 partner merchants& categories.
Full details
Interest & rates
Rewards
Perks
Eligibility & card
Full fee schedule (12)
Other
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.pdfLast fetched 18 days ago · LLM confidence 78%
Cited quotes (25)
supports joining_fee_lkr
“No Joining Fee”
supports interest_free_days
“51 days Credit Period”
supports travel_insurance
“Free Overseas Travel & Health Insurance”
supports instalment_plans
“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 RCU 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
“Year Round Discounts & Promotions”
supports benefits
“Exclusive Discounts & Promotions valid only for RCU Affinity Card”
supports benefits
“Free SMS alert facility”
supports annual_fee_waiver_conditions
“No Joining Fee”
supports fees.joining_fee_lkr
“No Joining Fee”
supports interest_free_period_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
“Royal College Union Affinity Card – RCU 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.