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Credit
Cards

Make life more rewarding with the freedom of a People’s “VISA” and “MasterCard” Credit Card, a great choice for everyday purchases!

Credit Cards

Discover the world of privileges with People’s Credit cards and benefit from exclusive offers that save your money and enhance your life experience.
Choose from People’s Bank’s list of credit cards and apply for a credit card that is suited best for your needs.

For Whom

    Sri Lankan Citizens between the ages of 18- 65

Required Documents

If Salaried;

  • Duly Completed Credit Card Application
  • Copy of valid NIC / Driving License/ Passport
  • Copy of Service ID Card/ Service Confirmation Letter Issued by the employer
  • Certified last two months’ salary slips
  • Billing proof documents when required

If Self-employed / Business:

  • Duly Completed Credit Card Application
  • Copy of valid NIC / Driving License/ Passport
  • Copy of Business Registration
  • Income Proof Documents (Not Applicable for existing People’s Bank Customers)
  • Billing proof documents when required

Key Features & Benefits

  • Great Deals & Offers throughout the year
  • Instalment Payment Plans
  • Balance Transfer facility
  • Free Overseas Travel Insurance
  • Supplementary cards for your family members
  • Interest-free credit period of up to 51 days for all your purchases
  • Multiple credit card bill repayment options through People’s Pay mobile banking App, Internet Banking, Cash Deposit Machines, Standing Order & Branch Network
  • Tap & Go (NFC) facility for more convenient and safer transactions
  • 3D secure service offers added security to your credit card when shopping online
  • SMS notification for every transaction made
  • FREE e- statement Service
  • FREE Missed Call Balance service via 0716490400

Card Types

People’s VISA Classic / MasterCard Classic
More Details
People’s VISA Gold / MasterCard Gold
More Details
People’s VISA Platinum / MasterCard Platinum
More Details
People’s VISA Signature / MasterCard World
More Details
People’s Elegance Visa Infinite
More Details
Corporate Credit Card
More Details
People’s Vanitha Vasana VISA Platinum Credit Card
More Details

People’s Leasing CLASSIQUE VISA Infinite Credit Card
More Details
People’s Bank Mahamaya College – Kandy Affinity Card
More Details

Transaction Value
Above LKR 25,000/-
Above LKR 100,000/-
Above LKR 500,000/-
Time Frame (Months)
6M
12M
18M
24M
36M
48M
60M
Up front Handling Fee(Per Month)
0.84%
0.75%
0.75%
0.75%
0.75%
0.76%
0.77%
  • The eligible transaction amount to be converted for ESP
    • minimum transaction value is LKR 25,000/-
    • maximum transaction value is LKR 1.5 Million.
  • Transaction amount could be converted up to 100% of the Permanent Credit Limit.
  • A transaction can only be converted to ESP facility within 30 days from the date of the transaction.
  • Transactions must not be combined when converting to instalments.
  • Only the full transaction value can be converted under the ESP facility.
  • There is no limit for number of active ESP’s (excluding 0% plans) that can co-exist on a particular card account.
  • This is only applicable for transactions processed via local merchants. (Merchant Country must be Sri Lanka & the Transaction currency must be LKR)
  • Not applicable for Cash Advances, Gambling Payments & Payments made to Financial Institutes.
  • All the other prevailing terms and conditions on converting a purchase transaction to an ESP will be applicable.

Tenure (Months)
6 M
12 M
18 M
24 M
Upfront Handling Fee
0.83%
0.75%
0.75%
0.75%
  • Minimum Loan Value LKR 50,000/-
  • Customers can take quick cash loans up to 70% of the available credit limit.
  • The loan-on-card facility is only applicable for   Platinum, Signature, World & Infinite credit cards   in the bank.
  • Customers can pay from 6 to 24 months
  • An Upfront Handling Fee mentioned in the above table is applicable for loan-on-card facilities.
  • No Cash advance fee will be charged
  • The customer must send a Loan on Card request to   card@peoplesbank.lk   in order to start the loan process.
  • The Card Centre will verify the customer request details before processing the facility
  • Loan on Card facility amount will be issued by debiting the cardholder's card account through a transfer of funds to a designated people’s bank Savings / Current account/ Cheque drawn in favor of the cardholder.
  • The credit limit on the Cardholders account will be blocked by a value equal to the capital amount of the Loan On card facility and the applicable handling fee and will be released and be available for the cardholder upon as and when the monthly installments are billed and paid in the subsequent months.
  • For More details Call 1961 /   email: card@peoplesbank.lk  

Conditions for Foreign Transactions

  • Cross Border Transaction Mark-up fee is 2.5%
  • For further details, contact 1961
  • Note
    • Exchange rate applicable for foreign currency transactions on Credit Cards.
      Foreign currency transactions will be converted using exchange rates determined by the payment scheme.
      Further, an additional amount of 2.5% will be added to the rate, in order to reflect the current local exchange rates.

Offers

find the offer that best suits your needs.

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About Us
Quick Links
Quick Links
People's Bank
No.75, Sir Chittampalam A.
Gardiner Mawatha,
Colombo 2, Sri Lanka.
  • Telephone : +94 (0)11 2481481
  • Call Center : 1961
  • E-Mail : info@peoplesbank.lk
  • SWIFT Code : PSBKLKLX
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People’s VISA Gold / MasterCard Gold Card


   
Experience rich rewards and best in class benefits with People’s Bank Visa Gold / MasterCard Gold Credit card. The distinctive Gold Credit Card offers outstanding service, higher limits, and a prestigious range of dinning, shopping and lifestyle rewards.
Credit Limit: Rs 100,000 – Rs. 199,000
Benefits & Features
  • Great Deals & Offers throughout the year
  • Installment Payment Plans
  • Balance Transfer facility
  • Supplementary cards for your family members
  • Multiple credit card bill repayment options through People’s Pay mobile banking App, Internet Banking, Cash Deposit Machines, Standing Order & Branch Network
  • Interest-free credit period of up to 51 days for all your purchases
  • Minimum payment of 5% of the outstanding balance
  • SMS notification for every transaction made
  • 3D secure service offers added security to your credit card when shopping online
  • FREE e- statement Service
  • FREE Missed Call Balance service via 0716490400
    •

Mahamaya College(Kandy) - Affinity Card

The Affinity Credit card offered to Mahamaya College Kandy OGA members can enjoy exclusive benefits while supporting your alma mater. 50% of your credit card annual fee will be donated to Mahamaya College Kandy OGA account.
Benefits & Features
  • No Joining Fee
  • 1st year Annual fee waived off.
  • Great deals & offers throughout the year.
  • FREEoverseas travel insurance cover.
  • Installment payment plans.
  • Interest free credit period of up to 51 days for all your purchases
  • Minimum payment of 5% of the outstanding balance
  • SMS notification for every transaction made
  • 3D secure service offers added security to your credit card when shopping online.
  • Free e statement service.
  • Free missed call balance service vis 0716490400
    •

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People’s VISA Classic / MasterCard Classic Card


   
People’s Visa Classic / MasterCard Classic Credit Card offers an array of features and benefits, allowing you to enjoy the life while saving your money and enhance your life experience.
Credit limit Up to Rs. 99,000/-
Benefits & Features
  • Great Deals & Offers throughout the year
  • Installment Payment Plans
  • Balance Transfer facility
  • Supplementary cards for your family members
  • Multiple credit card bill repayment options through People’s Pay mobile banking App, Internet Banking, Cash Deposit Machines, Standing Order & Branch Network
  • Minimum payment of 5% of the outstanding balance
  • SMS notification for every transaction made
  • 3D secure service offers added security to your credit card when shopping online
  • FREE e- statement Service
  • FREE Missed Call Balance service via 0716490400
    •

People’s VISA Platinum / MasterCard Platinum Card


   
Discover a world of privileges with People’s Visa Platinum / MasterCard Platinum Credit cards and benefit from exclusive offers that save you money and enhance your life experience.
As a People’s Platinum cardholder, you are automatically entitled to Overseas Travel Insurance package, hundreds of complimentary offers across the island & benefit from amazing discounts at Supermarkets, clothing, restaurants, hotels, and much more.
Credit Limit: Rs 200,000 – Rs. 599,000
Benefits & Features
  • Free Joining Fee
  • 1st year annual Fee waived-off
  • Great Deals & Offers throughout the year
  • Free Travel Insurance
  • Installment Payment Plans
  • Balance Transfer facility
  • Supplementary cards for your family members
  • Multiple credit card bill repayment options through People’s Pay mobile banking App, Internet Banking, Cash Deposit Machines, Standing Order & Branch Network
  • Interest-free credit period of up to 51 days for all your purchases
  • Minimum payment of 5% of the outstanding balance
  • SMS notification for every transaction made
  • 3D secure service offers added security to your credit card when shopping online
  • FREE e- statement Service
  • FREE Missed Call Balance service via 0716490400
    •

People’s VISA Signature / MasterCard World


   
Discover the exclusive privileges with your People’s VISA Signature/ MasterCard World Credit Card and discover plenty of offers that match your lifestyle. Your People’s VISA Signature / MasterCard World Credit Card comes with unique features and benefits such as, Complimentary Airport Lounge Access membership to 1000+ lounges worldwide, in addition to this, you can also enjoy, Multi Trip Travel Insurance with up to USD $ 250,000 in personal accident benefits and a lot more.
As a People’s VISA Signature/ MasterCard World cardholder, you are automatically entitled to many complimentary offers across locally & internationally, which includes amazing discounts at Supermarkets, Clothing, Restaurants, Hotels, Travel and much more.
Minimum Credit Limit: Rs. 600,000
Benefits & Features
  • Free Joining Fee
  • 1st year annual Fee waived-off
  • Great Deals & Offers throughout the year
  • Free Travel Insurance
  • Free Airport Lounge Key Access membership
  • Two FREE Visits for Airport Lounges per calendar year.
    • Any excess visit over the complimentary entitlement will be charged (USD 35 per visit per person)
    • Please use the following link to visit LoungeKey Website for more details

      • www.loungekey.com/Peoplesbankelegance

  • Instalment Payment Plans
  • Balance Transfer facility
  • Supplementary cards for your family members
  • Multiple credit card bill repayment options through People’s Pay mobile banking App, Internet Banking, Cash Deposit Machines, Standing Order & Branch Network
  • Interest-free credit period of up to 51 days for all your purchases
  • Minimum payment of 5% of the outstanding balance
  • SMS notification for every transaction made
  • 3D secure service offers added security to your credit card when shopping online
  • FREE e- statement Service
  • FREE Missed Call Balance service via 0716490400
    •

Corporate Credit Card


People’s Corporate Credit Card provides a robust business related expenses management tool for companies. The Corporate Credit Card enables companies to easily track and control expenses while providing real-time expense management. It is not just a Card, it is an all-access permit to the premier level of living, enhancing your corporate life to the next level.
With People’s Corporate Credit Card, you enjoy convenience, efficiency and control in the palm of your hand. This Card is tailor made to put you in complete control of your company’s financial necessities.
Benefits & Features
  • Free SMS alerts to every POS / ATM and Online transactions
  • Free e-statement facility for a company designated email accounts
  • Enjoy complete control over your Corporate expenses.

Visa Infinite

Your People’s Bank Elegance VISA Infinite credit card sets a new standard for personalized service while providing access to unique benefits, a premium travel experience with free lounge key access membership, Complimentary Lounge Visits , and Concierge services.
Visa Infinite Cards are offered through invitations only,

Minimum Credit Limit: LKR 1.5 Mn
Benefits & Features
  • Free Joining Fee
  • 1st year annual Fee waived-off
  • Great Deals & Offers throughout the year
  • Complimentary LoungeKey Access Membership
    • As a People’s Bank Visa Infinite Cardholder, you are eligible for a complimentary membership of Lounge Key. to access over 1,000 airport lounges in more than 130 countries. With your Prestigious Credit card membership, you can conveniently access Wi-Fi, conference space, and a wide range of pre-flight snacks and beverages to select from.
  • Two FREE Visits for Airport Lounges per calendar year.
    • Any excess visit over the complimentary entitlement will be charged (USD 35 per visit per person)
    • Please use the following link to visit LoungeKey Website for more details

      • www.loungekey.com/Peoplesbankelegance

  • Unmatched Overseas Travel Insurance Cover up to USD 500,000/-
      • Cardholders are eligible when their Credit Card is used /charged for a minimum of Rs.100,000/- in the month of travel or in the month of prior travel.
  • Exclusive VISA Infinite Concierge Services
  • Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets, and more. Available 365 days a year from home or abroad.

    • Concierge Service
    +94 (0) 11 2027106
    SriLankaInfinite@concierge-asia.visa.com

    How do I access Visa Concierge?
    Visit: Visa Concierge | Visa


  • Instalment Payment Plans
  • Supplementary cards for your family members
  • Multiple credit card bill repayment options through People’s Pay mobile banking App, Internet Banking, Cash Deposit Machines, Standing Order & Branch Network
  • Interest-free credit period of up to 51 days for all your purchases
  • Minimum payment of 5% of the outstanding balance
  • SMS notification for every transaction made
  • 3D secure service offers added security to your credit card when shopping online
  • FREE e- statement Service
  • FREE Missed Call Balance service via 0716490400

People’s Leasing CLASSIQUE VISA Infinite Credit Card

Your People’s Leasing CLASSIQUE VISA Infinite credit card sets a new standard for personalized service while providing access to unique benefits, a premium travel experience with free lounge key access membership, Complimentary Lounge Visits, and Concierge services.
Visa Infinite Cards are offered through invitations only,

Minimum Credit Limit: LKR 1.0 Mn
Benefits & Features
  • Free Joining Fee
  • 1st year annual Fee waived-off
  • Great Deals & Offers throughout the year
  • Complimentary LoungeKey Access Membership
    • o As a CLASSIQUE Visa Infinite Cardholder, you are eligible for a complimentary membership of Lounge Key. to access over 1,000 airport lounges in more than 130 countries. With your Prestigious Credit card membership, you can conveniently access Wi-Fi, conference space, and a wide range of pre-flight snacks and beverages to select from.
  • Two FREE Visits for Airport Lounges per calendar year.
    • Any excess visit over the complimentary entitlement will be charged (USD 35 per visit per person)
    • Please use the following link to visit LoungeKey Website for more details

      • www.loungekey.com/Peoplesbankelegance

  • Unmatched Overseas Travel Insurance Cover up to USD 500,000/-
      • Cardholders are eligible when their Credit Card is used /charged for a minimum of Rs.100,000/- in the month of travel or in the month of prior travel.
  • Exclusive VISA Infinite Concierge Services
  • Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets, and more. Available 365 days a year from home or abroad.

    • Concierge Service
    +94 (0) 11 2027106
    SriLankaInfinite@concierge-asia.visa.com

    How do I access Visa Concierge?
    Visit: Visa Concierge | Visa


  • Instalment Payment Plans
  • Supplementary cards for your family members
  • Multiple credit card bill repayment options through People’s Pay mobile banking App, Internet Banking, Cash Deposit Machines, Standing Order & Branch Network
  • Interest-free credit period of up to 51 days for all your purchases
  • Minimum payment of 5% of the outstanding balance
  • SMS notification for every transaction made
  • 3D secure service offers added security to your credit card when shopping online
  • FREE e- statement Service
  • FREE Missed Call Balance service via 0716490400

People’s Vanitha Vasana VISA Platinum Credit Card

   
Your People’s Vanitha Vasana VISA Platinum Credit card is here to empower & celebrate your journey with exclusive service while providing access to unique benefits, a premium health & travel experience.
Minimum Credit limit - Rs. 100,000/-
Benefits & Features
  • Free Joining Fee
  • Life Time Annual Fee waived-off
    • Note: 2nd year onward subject to Credit Card Annual usage LKR 250,000/-
  • Free Health & Accident Cover for Cardholder
    • Note: Eligible after 3 months of card issued with a card outstanding balance LKR 250,000/-
  • Great Deals & Exclusive Offers throughout the year
  • Unmatched Overseas Travel Insurance Cover up to USD 100,000/-
    • Cardholders are eligible when their Credit Card is used /charged for a minimum of LKR. 100,000/- in the month of travel or in the month of prior travel.
  • Instalment Payment Plans
  • Supplementary cards for your family members
  • Multiple credit card bill repayment options through People’s Pay mobile banking App, Internet Banking, Cash Deposit Machines, Standing Order & Branch Network
  • Interest-free credit period of up to 51 days for all your purchases
  • Minimum payment of 5% of the outstanding balance
  • SMS notification for every transaction made
  • 3D secure service offers added security to your credit card when shopping online
  • FREE e- statement Service
  • FREE Missed Call Balance service via 0716490400
    •

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