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Unlock a lifetime free Cargills Bank Ascend Credit Card.
Enjoy a range of benefits and privileges, including a lifetime free Ascend Credit Card, with a spend commitment of LKR 30,000/- in a calendar month. All the online & offline POS transactions are considered for your monthly spend commitment.
Now You can transfer Other bank existing card balance(s) to a Cargills Bank credit card and repay it off by equal monthly instalments up to 48 months under lower interest rate.
Tailored perks for Ascend Credit Cardholders, ensuring maximum value and convenience with every transaction.
Enjoy free overseas Travel protection by Sri Lanka Insurance Corporation Limited when you use your Cargills Bank Mastercard Ascend Credit Card to purchase your return air ticket or overseas hotel booking from Sri Lanka.
| SECTION | BENEFITS | ASCEND CREDIT CARD | EXCESS IN (USD) |
| LIMIT (USD) | |||
| A | EMERGENCY ACCIDENT AND MEDICAL EXPENSES & EVACUATION & REPATRIATION | 100,000 | 100 |
| B | ACCIDENTAL DEATH & DISMEMBERMENT | 50,000 | Nil |
| C | ACCIDENTAL DEATH & DISMEMBERMENT(COMMON CARRIER ONLY) | 100,000 | Nil |
| D | COMMON CARRIER BAGGAGE LOSS(20% PER BAG AND 5% PER ARTICLE) | 2,000 | 50 |
| E | BAGGAGE DELAY | 1,000 | 06 hours |
| F | LOSS OF PASSPORT | 750 | Nil |
| G | PERSONAL LIABILITY | 50,000 | 200 |
| I | HIJACKING | 1,000 | 24 hours |
| J | TRIP DELAY/INTERRUPTION | 500 | 6 hours |
| K | TRIP CANCELLATION | 1,000 | 50 |
| L | 24 HOURS MEDICAL ASSISTANT SERVICES | YES | – |
Personalize your Ascend Credit Card with an image of your choice, reflecting your unique style and preferences.
Image card application : Cargills Bank Image Card Application
Image card guidelines : Cargills Bank Image Card Guidelines
Image card FAQs : Cargills Bank Image Card FAQs
View sample image card:Sample Image Card
| Type of Fee | Ascend | |
| 1 | Primary Card Annual Fee | Lifetime Free |
| 2 | Joining Fee | FOC |
| 3 | Monthly Spend Commitment | Rs. 30,000 |
| 4 | Spend Commitment Fee (not meeting the spend commitment) | Rs.500 * |
| 5 | Supplementary Annual Fee | Rs. 3,000/ |
| 6 | Supplementary Joining Fee | FOC |
| 7 | Interest Rate (p.a) % | 26% (w.e.f. 1st Sept 2024) |
| 8 | Interest Free Period | 55 Days Max |
| 9 | Minimum Payment | 4% X Total Outstanding* |
| 10 | Balance Transfer Fee | 11% Upwards |
| 11 | Over Limit Fee | Rs. 1,500/- |
| 12 | Late Payment Fee | Rs. 1,600/- |
| 13 | Cash Advance Limit | 50% X Limit |
| 14 | Cash Advance | Rs. 400/- + 5% on Face value |
| 15 | Limit Enhancement Fee | Rs. 1,100/- |
| 16 | Card Replacement Fee | Rs. 1,500/- |
| 17 | PIN Replacement | Rs. 200/- |
| 18 | Per Statement Copy | Rs. 250/- |
| 19 | Digital Statement Copy | FOC |
| 20 | Cheque Return | Rs. 900/- |
| 21 | Tax/Visa/Limit/Interest Confirmation Letters or any Credit Card Related Letters. | Rs. 750/- |
| 22 | Overseas Courier Fee | Rs. 4,000/- |
| 23 | Travel Insurance* | FOC |
| 24 | Image Card service fee-Own Images | Rs. 1,000/- |
| 25 | Image Card service fee-Gallery Images | Rs.500/- |
| 26 | Image Replacement fee (Additionally Card replacement fees applicable) | Rs. 1,000/- |
| 27 | SMS Alert Fee (Annually) | Rs.300/- |
| Type of Fee | Fee |
| Overseas Transactions | All overseas Credit & Debit card transactions will be converted using Bank Treasury selling rate. In order to mitigate the local exchange rate movements, an additional amount (4%) will be included to the rate at the time of billing from 03rd of October 2022. |
TERMS & CONDITIONS
Prepare the necessary documents needed to apply for the Ascend Credit Card, ensuring a hassle-free application process.
a) If Salaried;
b) If Self-employed;
Credit-Card-Terms-and-Conditions
*Credit Card settlements carried out via Mobile Banking / Internet Banking should be done prior 6.00 PM on the due date to avoid any settlement delays.
*Please note the following geographies are currently subjected to comprehensive U.S. sanctions. Mastercard has no offices, subsidiaries, or affiliated entities, nor does Mastercard license any customers to issue or to acquire transactions from either point-of-sale (POS) or ATM locations, in these regions and countries:
Start enjoying exclusive benefits and privileges by applying for the Cargills Bank Ascend Credit Card today.
