Infinite Cards


A unique range of credit cards that give you superior deals, exceptional offers and enviable advantages all at the same time so you can enjoy life like never before. So go ahead and get the most out of life with a NDB Credit Card.

Features & Benefits

  • Easy Payment Plan

Repay your high value purchases in equal monthly installments at preferential rates.

  • Offers & Deals

Year Round Discounts & Promotions

  • Travel Insurance

Purchase your return air tickets using your NDB credit card and be entitled to a complementary travel insurance cover (T&C apply)

  • Safety Net

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

  • 3D secure Transactions

Enhanced security on Credit & Debit Card Transactions

  • Internet Banking / NEOS Mobile Banking

Do all your banking transactions online form home, office, or on the go. Simply log in to your mobile app.

  • SMS Alerts

Free SMS alert facility

  • e-Statements

Access your statements at your convenience

  • Complementary Priority Pass Membership

Enjoy access to over 1,300+ airport lounges across 600 cities in 148 countries along with free Wi-Fi, conference space and a wide range of pre-flight snacks and beverages to select from

  • International Privileges

Enjoy exclusive offers on lodging, transportation and airport services worldwide.

  • AIA health insurance for Smart Pensioner | Health Protector

NDB AIA 0% Payment Plan is a feature on NDB Credit card that allows to enjoy the benefit of a 12 month
0% Installment Payment Plan for AIA customers who are holding NDB Credit Cards. (T&C apply).


Eligibility Criteria & required documents

+ Income

Applicant should have a permanent job that pays a minimum net income of Gross LKR100,000

+ Age

Minimum 18 years old

+You will need

Copy of Identification (NIC / Passport / DL)

+ For Salaried

Certified latest salary slip or letter from employer confirming salary

Proof of variable income for the last 3 months

Proof of any other fixed allowance

Billing proof - address differ

+ For Self-employed

Letter from auditor confirming annual Income for the last 2 years

Business Registration Certificate

Bank statements of the previous 6 months (Company & Personal)

In the event more information is required the Bank will contact you


Fees & Charges

Credit Card Tariff  Effective date 16/10/2023
Fee Description Silver  Platinum Signature  Infinite
Interest Rate % p.a. (Retail Purchase) 28% 28% 28% 28%
Interest Rate % p.a. (Cash Advance) 28% 28% 28% 28%
Joining Fee - Primary  1500 2500 2500 2500
Joining Fee - Supplementary  1000 1500 1500 1500
Annual Fee - Primary  3000 4500 6000 7500
Annual fee - Supplementary 1500 2000 2500 3000
Minimum Payment Due 4% 4% 4% 4%
Late Payment Fee 1950 1950 1950 1950
Cash Advance Fee - Local Rs.1,200+5% on face value Rs.1,200+5% on face value Rs.1,200+5% on face value Rs.1,200+5% on face value
Cash Advance Fee - International  USD 5 + 5% on face value or amount equlent to LKR USD 5 + 5% on face value or amount equlent to LKR USD 5 + 5% on face value or amount equlent to LKR USD 5 + 5% on face value or amount equlent to LKR
Primary Card - Re-Issuance / Replacement Fee 1000 1500 1500 1500
Supplementary Card - Re Issuance / Replacement 750 1000 1000 1000
PIN Replacement Fee - Primary/ Supplementary Card 300 300 300 300
Over Limit Fee 1750 1750 1750 1750
Limit Enhancement Fee - Permanent 1500 1500 1500 1500
Limit Enhancement Fee - Urgent / Temporary 1500 1500 1500 1500
Cheque Return Fee 2000 2000 2000 2000
Duplicate Statement Fee (per copy) less than 1 Year  300 300 300 300
Balance / Transaction confirmation letter charge 500 500 500 500
Voucher Copy Fee - Local / International 500 500 500 500
Interest free days on new purchases (Maximum) 51 Days 51 Days 51 Days 51 Days
Priority Pass Facility (One Time Membership Fee)  N/A N/A FOC FOC
Priority Pass Facility fee per Visit N/A N/A $ 32  $ 32 



Exchange rates for overseas / foreign currency transaction billing:
All foreign currency transactions will be converted using the prevailing USD / LKR exchange rate maintained by the respective card schemes, In the case of transactions in foreign currencies other than USD, the transaction will be converted into US Dollars by the card scheme ( i.e. VISA, MasterCard etc.) before being converted to the billing currency. In order to mitigate local exchange rate movements an additional amount (up to 4.5%) will be added to the rate at the time of billing.

Fuel Surcharge fee : 

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

Special Instructions to NDB Credit Card Holders

When you receive your card & PIN, Activate your card by calling our 24/7 customer service line (+94112448888) or through the NDB NEOS Mobile Banking application. If you are travelling overseas, please contact our customer service to enable an uninterrupted experience with your NDB Credit Card.

 Dispute Management

Click here to access Online dispute form