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Sri Lanka · Sampath

Sampath Bank American Express® Everyday Credit Card

American Express · Everyday · Verified 4 days ago

0% instalment plan

Overall ranking

Why this rank? · methodology
#31
rank
38.32
score / 100

What changed: score ▼ 0.65 since 1 day ago

  • offer strength26.667 → 19.75(-0.65 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. 2 factors below lack data and score 0 by default — an operator can fill them in.

  • Purchase APR26%+12 / 12
  • Contactless paymentsYes+2 / 2
  • Annual feeLKR 3,000+9.68 / 12
  • Benefits depth6 listed+3 / 4
  • Foreign-transaction fee3.5%+4.67 / 7
  • Dining cashback0.5%+2.12 / 8
  • Supermarket cashback0.5%+2.12 / 8
  • Active offers strength19.75+1.75 / 15
  • Fuel cashback0.5%+0.38 / 4
  • 0% installment plans (EPP)92 plans+0.6 / 8
Data gaps
  • Airport lounge access—— / 12
  • Interest-free period—— / 8
Total38.32 / 100 · captured 38.3%
Score history · 13 changesshow all 13
  1. 5 hr agoscore ▼ 0.65This card changed
    • offer strength26.667 → 19.75(-0.65 pts)
  2. 1 day agoscore ▼ 0.48This card changed
    • epp quality130 → 92(-0.25 pts)
    • offer strength29.167 → 26.667(-0.23 pts)
  3. 2 days agoscore ▼ 0.3This card changed
    • offer strength32.083 → 29.167(-0.3 pts)
Alert me if this card's rank changes

Fees

Annual feeLKR 3,000
Joining feeLKR 500
Supplementary card feeLKR 1,000
Late payment feeLKR 1,200
Over-limit feeNot published
Cash advance fee4%
Foreign currency markup3.5%

Interest

Revolving APR26%
Cash advance APRNot published

Eligibility

Minimum incomeNot published

Rewards

Reward rateNot published
Reward typeNot published

Offers you can use (94)

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0% Instalment plans (26)

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Split purchases into 0% easy payment plans of up to 60 months at 26 partner merchants& categories.

AbansAbansDamro24 Months 0% Interest Extended Settlement Plan on Any Two TransactionsArpico Super CentreCeylon FurnitureDinapala GroupEser Marketing International+18 more

Full details

Interest & rates

Purchase APR26%
Minimum payment5%

Rewards

Cashback (general)0.5
Cashback min spendRs. 50,000
Fuel surcharge0%

Perks

ConciergeNo
0% instalment planYes
Instalment planYes

Eligibility & card

TierEveryday
NetworkAmerican Express
CurrencyLKR
Full fee schedule (7)
Annual feeRs. 3,000
Joining feeRs. 500
Supplementary annual feeRs. 1,000
Late payment feeRs. 1,200
Cash advance fee4%
Cash advance fee (min)Rs. 300
Foreign-transaction markup3.5%

Other

Cashback capRs. 1,000
ContactlessYes
Is affinityNo
Loan on card availableYes
Sources1 source

Primary source · card_list_page

https://www.sampath.lk/api/cards-wizard-items/1

Last fetched 4 days ago · LLM confidence 93%

Cited quotes (10)

  • supports card_name

    “Sampath Bank American Express® Everyday Credit Card”

  • supports interest_rate_apr_pct

    “Interest Fee - 26% p.a.”

  • supports fees.annual_fee_lkr

    “Annual Fee – Rs. 3,000/-”

  • supports fees.joining_fee_lkr

    “Joining Fee – Rs. 500/-”

  • supports fees.late_payment_fee_lkr

    “Late Payment Fee – Rs. 1,200/- or 5% of the minimum amount due (whichever is higher)”

  • supports fees.cash_advance_fee_pct

    “Cash Advances Fee) – 4% of the transaction value or Minimum of Rs. 300/- (whichever is higher)”

  • supports cashback_rate

    “'Cash Back' of up to 1% every month based on the value of all goods and services purchased.”

  • supports cashback_cap_lkr

    “You can earn up to a maximum 'Cash Back' of Rs. 1,000/ - per month.”

  • supports cashback_min_spend_lkr

    “Cardmember should spend a minimum of Rs.50,000/- monthly”

  • supports fuel_surcharge_pct

    “No fuel surcharge.”

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