Eligible Cards: All HNB Credit Cards (standard bank policies apply).

Min / Max Transaction: LKR 10,000 – LKR 1,000,000 (within the available credit card limit).

Conversion Deadline: Cardholders must convert the transaction into an Easy Payment Plan within 5 calendar days from the date of performing the transaction.

Important Notes:

• Customers may perform single or multiple purchases and request conversion to an Easy Payment Plan.
• The transaction must be within the cardholder’s approved credit limit at the time of purchase.
• The customer must notify the bank by providing the transaction date, merchant name, and transaction value when requesting conversion.
• If the transaction is made close to the billing cycle, the installment plan may start from the next billing cycle.
• The total credit card bill must be settled through the HNB credit card account to remain eligible for the offer.
• The offer cannot be exchanged for cash or combined with other promotional offers from merchants.
• If any dispute arises regarding these terms and conditions, the decision of Hatton National Bank PLC and the respective merchant shall be final.
• Standard HNB credit card terms and conditions continue to apply.

Tenure Options and Handling Fee:

Eligible Cards: All People’s Bank Credit Cards (excluding corporate cards).

Min / Max Transaction: LKR 25,000 – LKR 2,000,000 (within the cardholder’s credit card limit). Zero-Interest Installment Plans.

Conversion Deadline: Customers must convert the transaction within 30 calendar days from the date of performing the transaction.

Important Notes:

• Customers can only convert transactions within the permanent credit card limit.
• People’s Bank accepts no liability for the quality of goods or services purchased during the promotional period.
• If any dispute arises regarding these terms, the decision of the Bank shall be final.
• The Bank reserves the right to modify, extend, shorten or withdraw the promotion at any time without prior notice.
• The promotion is bound by the terms and conditions of People’s Bank and the service establishment.
• General credit card terms and conditions of the Bank will continue to apply.
• Customers cannot execute transactions in their own business premises.
• To settle an installment plan early, customers must pay the total outstanding installment amount together with the full handling fee.
• The promotion is valid until 31 December 2026.

Tenure Options and Handling Fee:

Eligible Cards: DFCC Credit Cardholders with sufficient available credit balance.

Min / Max Transaction: LKR 10,000 – LKR 1,000,000 (the total Easy Payment Plan amount including fees must be within the available credit limit).

Conversion Deadline: Cardholders must call the DFCC 24-hour Contact Centre on 011 235 0000 within 5 days of the transaction to request conversion to an Easy Payment Plan.

Important Notes:

• Purchases above LKR 10,000 can be converted into fixed monthly instalments of up to 60 months.
• A monthly processing fee and a one-time setup fee apply depending on the selected tenure.
• The setup fee will be deducted from the available credit limit at the time of plan creation.
• Certain transactions cannot be converted, including fuel purchases, casino or gambling transactions, cash advances, commercial transactions, third-party payments, and transactions made using pre-funded credit cards.
• Early settlement is allowed, however a 4% early settlement fee will apply on the outstanding balance.
• The total Easy Payment Plan amount (including processing fees) will be blocked from the available credit limit until installments are paid.
• If a cardholder defaults on payment, DFCC Bank reserves the right to debit the entire outstanding balance of the plan to the credit card.
• Standard DFCC credit card terms and conditions apply, and the bank reserves the right to modify or withdraw the plan at any time.

Tenure Options and Processing Fees:

Eligible Cards: All Bank of Ceylon (BOC) credit cards (standard bank policies apply).

Min / Max Transaction: Minimum transaction value LKR 25,000 for Easy Settlement Plans and LKR 50,000 for Zero-Interest Installment Plans (subject to available credit limit).

Conversion Deadline: Customers must request installment conversion within one week from the transaction date.

Important Notes:

• Installment plans are subject to approval by Bank of Ceylon and must fall within the available credit card limit.
• Once an installment plan is created it cannot be changed or amended.
• Handling fees or commissions charged by the bank are non-refundable.
• Partial amounts of a transaction cannot be converted into installments.
• Transactions exceeding the credit limit or cash advance transactions are not eligible for installment conversion.
• Each installment application applies to a single transaction only.
• Standard BOC credit card terms and conditions continue to apply.

Tenure Options and Handling Fees (Zero-Interest Plan):

Eligible Cards: All Union Bank Visa Credit Cards (standard bank policies apply).

Min / Max Transaction: Eligible transactions typically start from LKR 25,000 at selected merchant partners, subject to the available credit limit.

Conversion Deadline: Cardholders must call the Union Bank Contact Centre on 011 5800 800 within 14 days from the transaction date to convert the purchase to an installment plan.

Important Notes:

• The offer is not valid on commercial purpose transactions.
• The offer is valid for both online and POS transactions at selected partner merchants.
• Primary cardholder and supplementary card accounts are considered as one account.
• The promotion is valid only for one-time transactions and transactions cannot be split or combined to qualify.
• The total amount of all installment plans maintained by the customer cannot exceed the following limits: Gold – LKR 150,000, Platinum – LKR 350,000, Signature – LKR 500,000.
• Cardholders must settle the total bill via Union Bank Credit Card(s) to remain eligible for installment plans.
• The offer cannot be exchanged for cash or combined with other promotional programs offered by the merchant.
• Union Bank reserves the right to modify, change or withdraw the promotion at any time without prior notice.
• Union Bank accepts no liability for the quality of goods or services purchased through partner merchants.
• If any dispute arises regarding the terms and conditions, the decision of Union Bank and the merchant shall be final.
• General Union Bank credit card terms and conditions continue to apply.

Tenure Options and Fees:

Eligible Cards: All HSBC Credit Cardholders (excluding Corporate Credit Cardholders).

Min / Max Transaction: LKR 50,000 – LKR 600,000 (within the available credit card limit).

Conversion Process: At the point of purchase at participating merchants, the cardholder signs the normal sales slip for the purchase value and a simple instalment agreement indicating the selected instalment plan.

Important Notes:

• The HSBC Card Instalment Plan allows eligible purchases to be paid in equal monthly instalments through participating merchants.
• Multiple items may be purchased under one instalment plan as long as the total plan value meets the minimum transaction requirement.
• Once the instalment plan is activated, the total purchase amount will be deducted from the available credit limit.
• Each monthly instalment paid will restore the available credit limit by the same amount.
• The monthly instalment amount and merchant details will appear in the credit card statement to help track payments.
• Cardholders may either pay the monthly instalment before the statement date or settle the entire outstanding balance by the payment due date.
• If only the minimum payment (for example 4% of the outstanding balance) is paid, the remaining balance will be subject to the normal credit card interest rates.
• The merchant determines the selling price of the product or service, and HSBC accepts no liability for product quality or merchant disputes.
• HSBC reserves the right to modify or withdraw instalment plan facilities at its discretion.
• Standard HSBC credit card terms and conditions continue to apply.

Instalment Plan Details:

Eligible Cards: All Pan Asia Bank Credit Cards (standard bank policies apply).

Min / Max Transaction: LKR 25,000 – LKR 500,000 depending on the promotional offer and available credit limit.

Conversion Process: Eligible purchases made during promotional periods can be converted to installment plans by following the bank’s specified process or contacting the Pan Asia Bank customer service center.

Important Notes:

• Pan Asia Bank offers several 0% interest installment promotions on categories such as electronics, insurance premiums, travel packages, education, and healthcare payments.
• Installment plan eligibility, tenure options, and processing fees vary depending on the specific promotional offer.
• Most installment plans require a minimum transaction value of LKR 25,000 and are subject to the available credit card limit.
• Some category-specific offers may have different minimum transaction values and processing fees.
• The processing fee is usually charged at the time of converting the transaction into an installment plan.
• Promotional offers are valid only during the specified offer period and may change or be withdrawn without prior notice.
• Pan Asia Bank is not responsible for product or service quality purchased through merchants.
• Standard Pan Asia Bank credit card terms and conditions continue to apply.

Tenure Options and Processing Fees (Example Promotional Plans):

Eligible Cards: All Seylan Bank Credit Cards (standard bank policies apply).

Min / Max Transaction: LKR 10,000 – LKR 1,000,000 (within the available credit card limit).

Conversion Process: After completing a purchase, the customer must contact Seylan Bank and request conversion of the transaction into a 0% Easy Payment Plan.

Important Notes:

• The Easy Payment Plan allows customers to convert eligible credit card transactions into monthly installments with zero interest to the cardholder.
• Customers must call the bank to convert the transaction into an installment plan after making the purchase.
• The merchant will receive the transaction report from Seylan Bank at the end of the 30-day reporting period.
• The interest cost associated with the installment plan is borne by the merchant depending on the selected tenure.
• The bank reserves the right to change installment plan rates and terms depending on market conditions and interest rate changes.
• Seylan Bank accepts no responsibility for the quality of goods or services purchased through the merchant.
• Standard Seylan Bank credit card terms and conditions continue to apply.

Tenure Options and Merchant Rates: