If you’re looking for a card you can take with you when you travel, the HNB Visa Classic Card might just be up your alley. You can easily use it for transactions around the world as well as at home. And if you hate those pesky joining fees, you’re going to like this card even more. You will need to delve further into other fees you will incur if you don’t make your payment deadlines.
There are many reasons you may want a new credit card, and there are a ton of companies offering one. That is why it is best to take it slow and choose a card that is going to give you exactly what you want, considering the number of options out there, you are bound to find the right one. Take into consideration your monthly income and what you plan to use the card for.
If this card is supposed to help you get through some tough months, then the interest rate should be a big factor in your decision. On the flips side, if you’ve got the funds, but before to use a card for convenience sake, then you may be more interested in the perks you get. If you’re a traveller then the ability to use the card abroad will be key. Our editors have examined the HNB Visa Classic Card more closely for you so you can make an informed decision about whether or not the card is for you.
What are the Benefits of an HNB Visa Classic Card?
Offering exclusive discounts at selected merchant locations, you can now experience the joy and freedom of shopping both locally and abroad through a Visa powered Classic credit card.
Presenting easy payment plans with zero interest, this card grants you the freedom of making some of those much-needed larger purchases without blowing all your budget in one hit, or paying high amounts of interest.
One of the best perks about the HNB Visa Classic credit card is that it comes with a complete suite of insurance for overseas travel when you book your tickets with the card. From emergency medical expenses, dental treatment and financial emergencies to loss of baggage, trip delay, and cancellation, expect that your Visa Classic Card will have you covered.
Since it is powered by Visa, this credit card also provides you with access to some exclusive discounts and promos on hotel stays, meals out, car rental much more.
What are the Fees of an HNB Visa Classic Card?
A credit card is a responsibility and always comes with fees. Make sure you are able to pay fees before you take any further steps in the application process.
- Joining fee – Free
- Annual fee – LKR 1,000
- Interest rate – 28%
- Late payment fee – 0.75% of the credit limit
- Cash advance – 3% + LKR 100 for a local cash advance and 3% + LKR 200 for an international cash advance
Overall, the HNB Visa Classic credit card is a worthy option if you are planning to travel overseas or have some upcoming expenses you need to spread out with installment plans. You can check out on how to contact HNB below if you are interested in learning more.
How to Apply for an HNB Visa Classic Card
Applying for this Visa Classic card is quite easy thanks to HNB’s handy online guide. By visiting the HNB website, you can easily download a copy of their application form, fill it out, and submit it to a nearby branch.
Note that a copy of your passport, latest salary slip containing the company seal, proof of billing, and your variable income for the last three months are strictly required for the application process.
Should your application be approved, the bank will set a practicable credit limit that will depend on your credit score and other necessary factors.
How to Contact
Level 19, No. 479,
T B Jayah Mawatha,
Telephone: +94 112 462462
Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.