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Mastercard Gold
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Product Introduction

The Cargills Bank Gold Credit Card is tailored for first-time credit card users and those who prioritise their financial spending.


We offer you

  • Quick and easy  shopping with Contactless Payment technology
  • EMV compliant Chip and PIN technology for greater security
  • Up to 55 days of credit period
  • Attractive discounts & offers around the year with Cargills Bank Credit Cards
  • Worldwide ATM cash advances through MasterCard ATM network
Product Benefits

Enjoy exclusive deals and great value year-round, available only for Cargills Bank Gold Credit Cardholders.

  • No joining fee
  • Give a missed call 077 0 689 689 to check credit card balance via SMS.
  • E-statement facility
  • EMV chip card with added security on transactions
  • 3D secure transaction authentication to provide greater security, especially for online transactions
  • Customer Service Call Centre available 24×7
  • Fabulous offers and discounts from leading merchant outlets
  • Everyday offers at Cargills Foodcity, KFC, TGIF & Ceylon Theatres.


Credit Card Balance Transfer

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.

  • Minimum amount for Balance Transfer is LKR 25,000/- & Maximum limit is up to 100% of the credit limit of the Cargills Bank Credit Card.
Required Documents for Balance Transfer
Balance Transfer Terms and Conditions: 
Balance Transfer – T&C Document
Image Card Facility

Customize your Gold Credit Card with an image of your choice, adding a personal touch to your financial experience.

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


Tariff Guide
Type Of Fee Gold
Primary Card Annual Fee Rs. 2,500/-
Joining Fee FOC
Supplementary Annual Fee Rs. 1,500/-
Supplementary Joining Fee FOC
Interest Rate (p.a) % 28%
Interest Free Period 55 Days Max
Minimum Payment 4% x Total Outstanding*
Over Limit Fee Rs. 1,500/-
Late Payment Fee Rs. 1,600/-
Cash Advance Limit 50% x Limit
Cash Advance Fee Rs. 400/- + 5% on Face value
Limit Enhancement Fee Temporary or Permanent Rs. 1,100/-
Card Replacement Fee Rs. 1,200/-
PIN Replacement Rs. 200/-
Per Statement copy Rs. 250/-
Digital Statement Copy FOC
Cheque Return Rs. 900/-
Tax/Visa/Limit/Interest Confirmation Letters or any Credit Card Related Letters Rs. 750/-
Overseas Courier Fee Rs. 4,000/-
Travel Insurance N/A
Image Card service fee-Own Images Rs. 1,000/-
Image Card service fee-Gallery Images Rs.500/-
Image Replacement fee(Additionally Card replacement fees applicable) Rs. 1,000/-
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


Eligibility Criteria
  • Individuals over 18 years of age
Required Documents

Discover the documents needed to apply for the Gold Credit Card, ensuring a smooth application process.

a) If Salaried;

  • A copy of NIC or Passport.
  • Salary slip.(at least last 03 months salary slips).
  • Letter from employer confirming salary.

b) If Self-employed;

  • Letter from auditors confirming annual income for the last 02 years.
  • Copy of the business registration certificate.
  • Copies of bank statements for the last 03 months.
Credit Card Statement
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.

* 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:

  • Crimea
  • Iran
  • North Korea
  • Syria
  • Sudan
Apply for a Credit Card

Take the first step towards financial freedom by applying for the Cargills Bank Gold Credit Card today.


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