Sampath Mastercard and Visa Gold Credit Cards
Visa & Mastercard • Sampath Bank
Sampath Mastercard and Visa Gold Credit Cards
Gold is a paired Visa/Mastercard tier in Sampath Bank’s current personal-card menu. The best choice between networks depends on the variant offered, acceptance patterns, current promotions and full fee schedule—not the tier name alone.
Illustrative product-tier graphic, not the bank’s official card image. See Sampath’s official card page for current artwork and product terms.
At a glance
| Issuer / network | Sampath Bank PLC / Visa & Mastercard |
|---|---|
| Annual fee | Basic annual LKR 2,500; basic joining LKR 1,250; supplementary annual LKR 1,000; supplementary joining free (13 Aug 2024 form). |
| APR / interest | 28% p.a. listed for Gold in Sampath’s fee PDF dated 29 Aug 2023; historical reference only. |
| Eligibility | Sampath’s current minimum income, age, credit assessment and limit criteria were not published in the current card menu we could verify. Ask the bank for the current eligibility and required documents; criteria may vary by card tier. |
Benefits and features
The bank’s 2024 application form describes range-level card features such as digital balance/transaction access, balance transfer, instalment plans, automated utility payments and cash advance. It does not establish a separate current Gold rewards rate; check current card terms.
Sampath’s application form dated 13 August 2024 also describes general facilities for its cardholders: transaction and balance checks via Sampath Vishwa/mobile app, missed-call balance checks, Card Balance Transfer (CBT), Extended Settlement Plans (ESP), Cash Instalment Plans (CIP), automated utility payments through SABS, multiple payment methods and ATM cash advance. The form also refers to overseas travel protection and life cover; confirm current availability, eligibility, limits and exclusions for this specific card.
How to apply
- Open Sampath Bank’s official personal credit-card directory and confirm this card is currently open to applications.
- Download the current credit-card application form and read the cardmember agreement, key facts and latest schedule of charges.
- Check the minimum income/age criteria and assemble the exact identity, income and supporting documents listed by the bank. Requirements differ and are not inferred here.
- Submit the application through a Sampath Bank branch or the channel stated on the current form. The bank makes the approval and credit-limit decision.
- Before signing, confirm the APR, annual and supplementary fees, minimum repayment, late fee, cash-advance cost, foreign transaction charges and any reward conditions.
How to compare its real cost
Do not compare cards only by the joining offer or reward headline. Add the annual fee, supplementary-card cost and likely interest/other charges; then compare the value of benefits you will actually use. Paying the full statement balance by the due date can avoid purchase interest where the bank’s agreement provides an interest-free period, but cash advances, instalments and other transactions may have different rules—check the current agreement.
Sources and verification
- Sampath Bank current personal credit-card menu — product name and current range.
- Sampath credit-card application form (13 Aug 2024) — dated fees and range-level facilities.
- Sampath credit-card charges (29 Aug 2023) — historical interest and charge reference.
- Sampath rates and charges page — check for the latest downloadable schedule.
See our Sampath credit-card comparison and all-card directory, explore Sampath Bank branches on Branches.lk, and browse all Sampath Bank product guides.
Editorial and image note: Branches.lk is independent and is not affiliated with Sampath Bank or the card networks. The graphic above is a clearly labeled illustration; Sampath’s accessible product menu did not expose downloadable card artwork, so we have not passed off a mock-up as a real card.
Leave your comment