Credit Card Eligibility in Sri Lanka — Salary and Requirements by Bank
What 6 Sri Lankan banks state you need before they will issue you a credit card — minimum income, age, and the paperwork to bring. Every figure below is quoted from the bank’s own page and linked to it.
Banks that publish a minimum income
Commercial Bank
See current Commercial Bank card offers (85)- Minimum monthly income
- Rs 50,000 per month (gross)
- Age
- 18 and over
Falls to Rs 40,000 per month if you remit your salary to Commercial Bank. Platinum cards require Rs 125,000 per month.
Card tiers
- Platinum— Rs 125,000 per month
Documents required
- National Identity Card or passport
- Proof of income
Source: www.combank.lk · Checked against the bank’s own page on 2026-08-16.
Nations Trust Bank
See current Nations Trust Bank card offers (91)- Minimum monthly income
- LKR 150,000 per month (net)
- Age
- 18 and over
- Residency
- Resident of Sri Lanka
Accountants, finance professionals, IT professionals, engineers and architects need a minimum net income of LKR 200,000. Doctors are assessed on grade and Sri Lanka Medical Council registration.
Documents required
- Annual income for the last 2 years
- Bank statements for the last 3 months, personal and company
- Proof of other income, if any
- Billing proof — telephone, water or electricity bill
Other conditions
- No negative CRIB records
- Alternative "Credit Plus" route: LKR 200,000 credit turnover from a personal account, or an existing credit card limit of LKR 500,000 at another bank
- Card approval is subject to the bank's selection criteria
Source: www.nationstrust.com · Checked against the bank’s own page on 2026-08-16.
Banks that do not publish a minimum income
People's Bank
See current People's Bank card offers (207)- Minimum monthly income
- Not published
- Age
- 18 to 65
- Residency
- Sri Lankan citizens
People's Bank publishes card tiers by credit limit rather than by required income. Ask the bank what income each limit needs.
Card tiers
- Visa / Mastercard Classic— Up to Rs 99,000
- Visa / Mastercard Gold— Rs 100,000 – 199,000
- Visa / Mastercard Platinum— Rs 200,000 – 599,000
- Visa Signature / Mastercard World— Rs 600,000 and above
- Vanitha Vasana Visa Platinum— Rs 100,000 and above
- Elegance Visa Infinite— Rs 1,500,000 and above(By invitation only)
Documents required
- National Identity Card or passport
- Proof of income
Source: www.peoplesbank.lk · Checked against the bank’s own page on 2026-08-16.
Bank of Ceylon
See current Bank of Ceylon card offers (124)- Minimum monthly income
- Not published
- Age
- Over 18 on the date of application
- Residency
- Citizen or resident of Sri Lanka, or a non-resident holding a Non-Resident Foreign Currency or Resident Foreign Currency account
Bank of Ceylon states only that an applicant must have "independent financial means". It publishes no minimum figure, so ask the bank directly.
Documents required
- Completed application form
- National Identity Card, valid passport or driving licence
- Proof of salary or income
- Utility bill confirming the residential address, if required
If you are self-employed
- Copy of business registration
- Tax receipts, if available
Source: www.boc.lk · Checked against the bank’s own page on 2026-08-16.
Hatton National Bank
See current Hatton National Bank card offers (10)- Minimum monthly income
- Not published
- Age
- Not published
HNB lists the documents it needs but publishes no minimum income on its card pages. Its Key Fact Document, linked from each card, is the place to check.
Documents required
- National Identity Card, driving licence or passport
- Billing proof if the address differs from the NIC
- Duly filled application form
- Three months of recent certified salary slips
If you are self-employed
- Financial statements for the past 3 years, or latest management accounts
- Statements showing business transactions credited to another bank
Source: www.hnb.lk · Checked against the bank’s own page on 2026-08-16.
- Minimum monthly income
- Not published
- Age
- Not published
DFCC directs applicants to the eligibility criteria on each individual card page rather than publishing one figure.
Documents required
- Valid ID — NIC, passport, driving licence or other government-issued ID
- Proof of residence — utility bill or statement showing your address
- Proof of income — payslips, statements or other documentation
Source: www.dfcc.lk · Checked against the bank’s own page on 2026-08-16.
Banks change these criteria without notice, and approval always rests with the bank. Treat this as a starting point and confirm with the bank before applying — every entry links to the page it came from. Checked against the bank’s own page on 2026-08-16.