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Mastercard Platinum
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is in your hands
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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
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 installments 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.

 

Example for a Balance Transfer of Rs 100,000/-

Repayment period Other Bank

Interest Fee at 28% p.a for the period (Rs)

Cargills Bank Interest rate p.a Total Interest Fee for the period with  Balance Transfer (Rs) Your Savings (Rs)
6 Months 14,000 15.50%  4,569.18 9,430.82
12 Months 28,000 16.00%  8,877.03 19,122.97
18 Months 42,000 17%  13,994.17 28,005.83
24 Months 56,000 17.50%  19,238.84 36,761.16
36 Months 84,000 18%  30,148.62 53,851.38
48 Months 112,000 18%  41,000.00 71,000.00

 

 

Required Documents for Balance Transfer

 

  • Latest statement of the other bank Credit Card

 

Balance Transfer Terms and Conditions: 

Balance Transfer – T&C Document

 

 

Cheque on Credit Card

 

What is a Cheque on Credit Card?

 

A Cheque on Credit card is the solution when your merchants does not accept Credit Cards. You can now enjoy the convenience of drawing cheques to any merchant with your Cargills Bank Credit Card!

 

How to get a Cheque on Credit Card?

 

 A request letter from the customer should be handed over to a Cargills Bank branch with the following details:

  • Amount to be deducted from the Credit Card
  • Card holder’s NIC
  •  Credit card account number (C-Account Number)
  • Beneficiary details (only entities)

 

*Minimum cheque amount is LKR 50,000/=

*Processing fee is LKR 1,000/=

Tariff Guide
Type Of Fee Platinum
Primary Card Annual Fee Rs. 3,500/-
Joining Fee Rs. 2000/-
Supplementary Annual Fee Rs. 2000/-
Supplementary Joining Fee FOC
Interest Rate (p.a) % 28%
Interest Free Period 55 Days Max
Minimum Payment 5% x Total Outstanding*
Over Limit Fee Rs. 750/-
Late Payment Fee Rs. 900/-
Cash Advance Limit 35% x Limit
Cash Advance Fee Rs. 400/- or 3% whichever is higher
Limit Enhancement Fee Temporary or Permanent Rs. 750/-
Card Replacement Fee Rs. 1,000/-
PIN Replacement Rs. 100/-
Per Statement copy        (Except Last Statement) Rs. 150/-
Cheque Return Rs. 900/-
Tax/Visa/Limit/Interest Confirmation Letters or any Credit Card Related Letters Rs. 250/-
Overseas Courier Fee Rs. 4000/-
Balance Transfer Fee 15% Upwards
0% Installment Plan Handling Fee Rs. 500/-
Travel Insurance FOC
Cheque on card Processing fee Rs. 1,000/-
Image Card service fee-Own Images Rs.750/-
Image Card service fee-Gallery Images Rs.500/-
Image Replacement fee(Additionally Card replacement fees applicable) Rs. 250/-
Image Card

Now enjoy the possibility of customising your Cargills Bank Credit Card with an image of your choice!

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

Special Benefit - Travel Insurance

Enjoy free overseas Travel protection by Global Insurer Allianz Insurance Lanka Limited when you use your Cargills Bank Mastercard Platinum Credit Card to purchase your return air ticket or overseas hotel booking from Sri Lanka.

 

SECTION BENEFITS PLATINUM 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 12 hours
F LOSS OF PASSPORT 750 10
G PERSONAL LIABILITY 50,000 200
I HIJACKING 75 per day max 750 12 hours
J TRIP DELAY/INTERRUPTION 50 per 12 Hours max 500 6 hours
K TRIP CANCELLATION 1,000 50

 

Travel Insurance - FAQs
Travel Insurance Policy
Credit Card Statement
Get your LoungeKey access
  • LoungeKey has over 1000 lounges across the world.
    Eligible cardholders can get access to participating Lounges in over 200 airports.
  • Cardholder has to provide his LoungeKey activated Mastercard card to gain access.
  • USD 27 will be charged per visit per guest.
  • Price will be changed to USD 32 from 1st October 2019.
  • Cardholder can take guests with the facility however it is at the discretion of the lounge.

To check participating lounges cardholder can visit https://www.loungekey.com/mastercardsa

 

*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:

  • Crimea
  • Iran
  • North Korea
  • Syria
  • Sudan
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