Quick and easy shopping with Contactless Payment technology
EMV compliant Chip and PIN technology for greater security
Access to over 3000 LankaPay connected ATMs & over 1 million ATMs globally through Cirrus, Maestro & Mastercard networks
Accepted over 38 million Mastercard merchant outlets
SMS alert on your transactions
|Type of Fee||Fee|
|Overseas Transactions||All overseas transactions will be converted using Mastercard exchange rate. In order to mitigate local exchange rate movements, an additional amount (7%) will be included to the rate at the time of billing|
Terms and Conditions of Debit Cards
If you have not yet opened an account with Cargills Bank, you may request a Master Debit Shopping Card on your Cargills Bank account opening application. If you are requesting a Master Debit Shopping Card for an existing account, you can request by stepping to the any Cargills Bank branch.
2.What is my “Cargills Bank Mastercard Shopping Debit Card”?
Your Cargills Bank Mastercard Shopping Debit Card is a worldwide access card to your Cargills Bank account. You can use your card to pay for purchases, shopping, bill payments, and also to withdraw cash at ATMs.
3.Are there any service charges for “Cargills Bank Mastercard Shopping Debit Card”?
|Fee Types||Fee Status|
|Joining Fee||Platinum – Rs. 500/- , World – Rs. 750/-|
|Re-issuance Fee||Platinum – Rs. 300/- , World – Rs. 500/-|
|Annual Fee||Platinum – Rs. 500/- , World – Rs. 750/-|
4.How do I activate my “Cargills Bank Mastercard Shopping Debit Card” for transactions?
Please feel free to contact our 24/7 contact center via 0117 – 640 640 to activate your “Cargills Bank Mastercard Shopping Debit Card”.
5.If I have multiple Cargills Bank accounts, which ones will I access with my “Cargills Bank Mastercard Shopping Debit Card”?
You can link up to accounts to your Master Debit Shopping Card. You can designate one primary Savings account and one Primary Current account that can be accessed through any Cargills bank ATM or at any MasterCard Accepted ATM including LankaPay network. However, only one account can be designated for Point of Sale (POS) transactions at Merchants. The setting up of accounts can be done through any Cargills Bank branch by producing a written request.
6.Where can I use my “Cargills Bank Mastercard Shopping Debit Card”?
The Debit card can be used at any MasterCard accepted merchant outlet locally and internationally for point of sale transactions.
The Debit card can also be used at any Cargills Bank ATM or LankaPay ATM locally and any MasterCard accepted ATM internationally.
7.Do I sign or enter PIN to authorize my “Cargills Bank Mastercard Shopping Debit Card” transactions?
You are required to enter the PIN for every ATM transaction. You are only required to place your
Signature on the receipt for point-of-sale transactions. Ensure that you place your signature on the signature panel of your Master Debit Shopping Card as soon as you receive it. At some merchant locations you will be requested to enter the PIN for point of sale transactions as an added layer of security.
8.Why does my “Cargills Bank Mastercard Shopping Debit Card” now have a chip?
Master Debit Shopping Card is dedicated to protecting your personal information. It offers greater protection of your card information when used at a chip-enabled terminal and greater acceptance at merchants all over the world.
9.What does contactless transactions mean?
To perform contactless transactions you do not need to dip your card in to a terminal. The card should be brought closer to the terminal which will read the card data and process your transaction. This will take away the risk of handing your card to a third party when making a purchase. Per transaction limit of a contactless transaction is restricted to Rs. 5,000/-
10.What should I do if my “Cargills Bank Mastercard Shopping Debit Card” is lost or stolen?
If you have lost your Master Debit Shopping Card, please contact our 24/7 contact centre immediately via 0117 – 640 640 and you can also report your card lost or stolen by stepping to the Cargills Bank branch.
Until the debit card is reported stolen, the customer is liable for the transactions which has taken place on the card. Therefore, customers are advised to immediately report a lost or stolen card to the bank call center or branch.
11.What are the “Cargills Bank Mastercard Shopping Debit Card” daily transaction limits at ATMs and point of sale (POS) outlets?
12.What is the CVV number “Cargills Bank Mastercard Shopping Debit Card”?
The Card Verification Value (CVV) for Master Debit Shopping Card is the final three digits of the number printed on the signature panel on the back of your card. Customers are advised to avoid disclosing the CVV to third parties.
13.Where can I call if I have a problem or need more clarification on my “Cargills Bank Mastercard Shopping Debit Card”?
Please feel free to contact our 24/7 contact center via 0117 – 640 640 or you can step in to the any Cargills Bank branch.
14.Can I change my “Cargills Bank Mastercard Shopping Debit Card” ATM PIN number?
Yes, you can change your ATM PIN number anytime by using any of our Cargills Bank ATMs.
15.How can I get a new ATM PIN number for my “Cargills Bank Mastercard Shopping Debit Card”?
Yes. You can call the call center and request for a new PIN. An Over the air code (OTAC) will be sent to the customers registered mobile number with the bank. The OTAC should be used to generate the PIN number through any Cargills Bank ATM, Cargills Cash mobile banking application or Online Banking application.
16.My “Cargills Bank Mastercard Shopping Debit Card” is going to expire soon, should I apply for a new Master Debit Shopping Card?
A replacement card will be sent to you before the expiry of the card.
17.What is the procedure to follow if my “Cargills Bank Mastercard Shopping Debit Card” ATM PIN number is blocked?
The ATM PIN will only be blocked due to security purposes such as the PIN being entered incorrectly for 3 time. Customer will need to contact the call center to generate a new OTAC which can be used to create a new PIN.
18.How can I replace my damaged “Cargills Bank Mastercard Shopping Debit Card”?
Please visit a Cargills Bank branch.
19.Where should I check the new “Cargills Bank Mastercard Shopping Debit Card” application status?
Please call our 24 hour call center on 0117 – 640 640
Enjoy free overseas Travel protection by Global Insurer Allianz Insurance Lanka Limited when you use your Cargills Bank Mastercard Shopping Debit Card to purchase your return air ticket or overseas hotel booking from Sri Lanka.
|SECTION||BENEFITS||DEBIT CARD||EXCESS IN (USD)|
|A||EMERGENCY ACCIDENT AND MEDICAL EXPENSES & EVACUATION & REPATRIATION||50,000||100|
|B||ACCIDENTAL DEATH & DISMEMBERMENT||25,000||Nil|
|C||ACCIDENTAL DEATH & DISMEMBERMENT(COMMON CARRIER ONLY)||25,000||Nil|
|D||COMMON CARRIER BAGGAGE LOSS(20% PER BAG AND 5% PER ARTICLE)||1,500||50|
|E||BAGGAGE DELAY||1,000||12 hours|
|F||LOSS OF PASSPORT||500||10|
|I||HIJACKING||75 per day max 750||12 hours|
|J||TRIP DELAY/INTERRUPTION||50 per 12 Hours max 500||6 hours|
*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: