Interest is a part of any credit card you’re going to apply for, but if you are looking for a way to shore up those finances without paying the interest, the BOC Visa Classic Card might be able to help you out. They offer an opportunity to get on board with an interest-free installment plan. There are stipulations n order to be able to join this program.

You and everyone else have a variety of reasons for wanting to get a new credit card. Perhaps you’ve just decided to start to travel abroad and want a card that can travel with you. Or maybe you find yourself in required to make a major purchase and your funds are just not available. Maybe you just want a card so you can build up points for the money you already spend.

Regardless of your reason, it is always good to do your research instead of just applying for any old card.There are a lot of things you need to consider and a lot of cards out there to consider. Our editors have more closely examined the BOC Visa Classic Card. Below you will find details about fees, benefits, and terms of conditions so you can make a more informed decision about whether or not you should apply for this particular card.


Want to have a credit card you can use for everyday expenses and frequent overseas trips? BOC Visa Classic Card is your best option. Here's how to apply:

What are the Benefits of the BOC Visa Classic Card?

First of all, the Bank of Ceylon offers very competitive rates on their Visa Classic credit cards and a helpful starting credit limit of Rs.25,000- Rs.100,000/-. If you are after big discounts and other similar perks you will love this credit card. Each month, the bank provides a list of partner merchants you can claim promotions from.

Because the BOC Classic credit card is powered by Visa, you can get as much as 30% off on tour packages, accommodation and dining. Other promotions include up to 25% off on hospital stays at Park Hospitals (Private) Limited and up to 20% off on K’a’rcher products.

As well as the option to increase your limit upon emergency hospitalization, you can also take advantage of easy bill settlement plans of up to 24 months and supplementary cards for your loved ones.

What are the Fees of the BOC Visa Classic Card?

It’s always important to evaluate the fees associated with any credit card you are considering applying for. Not being able to pay fees can seriously affect your credit score, so it is best to be wary before diving into any new card. 

  • Interest rate – 27% per annum
  • Joining fee – Rs.1,000/- 
  • Supplementary card joining fee – Rs.750/-
  • Annual fee – Rs.1,000/- 
  • Supplementary card annual fee –Rs.500/
  • Cash advance fee -Rs.300/ or 3% (whichever is higher)
  • Late payment fee – Rs.900/

Overall, the BOC Visa Classic Card is a good option if you’re looking for a credit card to use worldwide with great deals and discounts. You can visit the BOC website and apply online to begin enjoying the unique features and benefits of this credit card. 

BOC Visa Classic Card

How to Apply for the BOC Visa Classic Card 

There are two ways to apply for the BOC Visa Classic Card. One, you can download the credit card application form, fill it out and take it into your nearest branch, or two, you can simply visit the BOC website and ‘Apply Online’.

For regular earners, a completed application form, ID showing that you are over 18, proof of salary indicating a minimum of Rs 15,000 and proof of billing are needed.

BOC offers a credit limit between Rs 25,000 to Rs 100,000 with the Visa Classic card. The exact amount may be determined based on a variety of factors, including your credit history, income and expenses.

How to Contact 

Head office

No.1, BOC Square,
Bank of Ceylon Mawatha,
Colombo . 01
Sri Lanka

Telephone: +94 11 2446790-811

Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.