360 rewards

3 Arpico privilege points for every LKR 100 spent at any Arpico super centre and 1 point for every LKR 200 spent anywhere locally or overseas.

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travel privilege airport

Purchase your return air tickets using your standard chartered credit card and be entitled to a complementary travel insurance cover.

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added value fees and charges

Easy loan facility to get the cash you need in quick time and with no documentation. Repay in installments.

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mail loans cc clearance letter

Transfer your other bank credit cards balances to your standard chartered card at special rates and repay in monthly installments

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money easy pay stretch your dollar

Repay your high value purchases in equal monthly installments at preferential rates.

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device online banking

Do all your banking transactions online form home, office, or on the move. Simply log in!

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form convenience estatement

Access your statements at your convenience while contributing to help save the trees.

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device mobile phone

A secure and convenient way to access your account information instantly at any time anywhere.

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misc protection

Pay a nominal monthly premium and cover your credit card outstanding balance up to LKR 2 million.

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secure card safe guarantee

Safeguards yourself against fraudulent usage of your credit card in case of loss of your wallet.

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secure card safe guarantee

Enhanced security on Debit and Credit Card Transactions

CDN Filter On

Get Cash for your immediate needs at 0% interest p.a. and with a Payment Holiday (processing fees apply)

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  • Income
    • Applicant should have a permanent job that pays a minimum net income of Rs. 30,000
  • Age
    • Minimum 18 years old


  • You will need
    • Copy of Identification (NIC / Passport / DL)
  • For Salaried
    • Certified latest salary slip or letter from employer confirming salary
    • Proof of variable income for the last 3 months
    • Proof of any other fixed allowance
    • Billing proof
  • For Self-employed
    • Letter from auditor confirming annual Income for the last 2 years
    • Business Registration Certificate
    • Bank statements of the previous 6 months (Company & Personal)
  • In the event more information is required the Bank will contact you

Annual Fee – Primary Card (Platinum)
Rs. 5,250
Annual Fee – Primary Card (Gold)
Rs. 3,000
Annual Fee – Supplementary Card (Platinum)
Rs. 2,000
Annual Fee – Supplementary Card (Gold)
Rs. 1,000
Joining Fee – Primary Card (Platinum)
Rs. 1,500
Joining Fee – Primary Card (Gold)
Rs. 500
Joining Fee – Supplementary Card
Cash Advance Fee
Rs. 990
Late Payment Fee
Rs. 1,500
Over Limit Fee
Rs. 1,200
Interest rate (Retail and Cash Advances)
1.5% p.m. (18% p.a)
Interest Free Period
Up to 48 days free of interest, provided the previous months total outstanding is paid by the due date in full
Minimum Amount Due
100% fees/charges/interest, 100% of the fixed monthly instalments and 1% of the balance transfers/cash advances/retail transactions or Rs.500/=, whichever is higher or the minimum amount due appearing on your monthly statement.
Payment Due Date from Statement Date
18 Days
Cash Advance % on Credit Limit (Maximum)


How do I apply for credit cards?
Click on “Apply Now
How do I check the progress of my credit card status?
It would take 4 – 6 working days for processing. You may call our Client Care hotline on 0112480480 or your Relationship Manager to check the status.
How do I know if my application has been approved or not?
You will receive an SMS notification on the credit card dispatch details if the credit card is approved. You will receive an SMS notification if the credit card is declined.
Do I receive a PIN?
You will not receive a PIN. You can create your own PIN at your convenience using Online Banking or the Mobile Banking option.
How do I activate the credit card?
You can activate the credit card at your convenience using Online Banking or the Mobile Banking option. Alternately, you may call our Client Care hotline on 0112480480 to activate.
What should I do if I have lost my credit card?
Immediately notify the Bank by calling our Client Care hotline on 0112480480 or access Online Banking or Mobile Banking to have the card blocked.
Can I use my credit card for ATM cash withdrawals?
Yes, you may use the card at any LankaPay or Visa enabled ATM to withdraw cash up to 50% of the credit limit based on the availability. This service is subject to charges.
What is the due date for payments?
Your statement will specify the Payment Due Date by when at least the Minimum Amount Due mentioned on the statement must be paid. The due date is generally set at 18 days from the statement date.
What is the Interest Free Period?
Interest free period may differ for each transaction based on the date of transaction posting. However, you are entitled to a minimum of 18 days of Interest free period. This could range for a maximum of 48 days. If you pay the total due amount as per the statement, by the due date, you will not be charged with any interest charges.
How is Interest calculated on credit cards?
No Interest charges apply (excluding cash advances) if the total due amount as per the statement is paid on or before the payment due date. If only a part payment is made by the due date or no payment is made, or payment is made, but after the due date, interest charges will apply on the Bank’s current interest rate on the daily balance for the previous statement and the new purchases until the entire balance is fully settled.
How does Interest apply on cash advances?
Cash advance is subject to a cash advance fee and Interest charges will be applicable on the cash advances from the date of transaction until the repayment in full.
How do I close my credit card?
Please hand over a written request to the closest Branch after settling the total due amount on the credit card.
The Arpico Privilege Credit Card Complementing your everyday purchases.


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