Journey Credit Card

Up to 48 days free of interest, provided the previous months total outstanding is paid by the due date in ful

Click on “Apply Now”

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.

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.

You will not receive a PIN. You can create your own PIN at your convenience using Online Banking or the Mobile Banking option.

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.

Immediately notify the Bank by calling our Client Care hotline on 0112480480 or access Online Banking or Mobile Banking to have the card blocked.

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.

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.

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.

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.

Please click here to view an illustration of the interest calculation.

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.

Please hand over a written request to the closest Branch after settling the total due amount on the credit card.

We will address your complaints within a time period of less than 5 days from the date which the complaint was made to the Bank. If you do not get a satisfactory response to the complaint and if you wish to pursue other avenues for redress, you may approach The Financial Ombudsman, Sri Lanka on Tel: +94(11)2595 624/5

You may pay your credit card using any of the following methods.

• Standing Instruction
  If you are a SC account holder, you may setup a standing order to debit your account for payment of your credit card. You can choose to settle the Minimum Amount Due or the full amount (100%) of the current balance to be debited on the due date.

• Mobile Banking/ iBanking
  You may pay your SC credit card using SC Mobile Banking/ iBanking. Use ‘Pay SC Credit card’ option and select your SC account to deduct from.

• Fund Transfers from other banks
  You may pay your SC credit card using Fund Transfer/ Credit card payment method of any local bank digital platform.

• Cheque payments
  Cheque must be crossed Account payee only, and should include the card number.
  Eg: pay Standard Chartered O/A Card No. 428421 XXXXXX XXXX

• Cash payments
  Cash payments can be done at any SC branch counter or KIOSK machine