Interest charge will be applicable as per the tariff.

Yes, and yes. All you need to do is call our 24-hour customer service hotline and request the same.

There are 2 billing cycles on the 15th and the last day every month respectively. You can choose to have an e-statement sent to your e-mail.

Give missed call to 011 7121131 and get your balance through SMS alerts or Check your balance through CDBicontrol app.

No interest will be levied (except for cash advances) if Full Payment is made on or before the due date. You will enjoy up to 55 days Free of Interest (Depending on the transaction date), provided the previous month total outstanding is paid by the due date in full.

Per day ATM withdrawal to LKR 50,000 and weekly ATM withdrawal amount to maximum of LKR 100,000. 

Foreign currency transaction will be converted using exchange rates determined by the payment scheme, Further, an additional amount of 4% will be added on the rate.

5% of the total outstanding amount.

Late payment charge will be applicable as per the tariff.

Example on the payment calculation

If the payment is not received by the payment due date or minimum amount due is not paid, a late payment fee will be charged. 

Statement period: 01st Jan to 31st Jan 2024

Statement period: 01st Feb 2024 to 29th Feb 2024

Payment due date: 25th Feb 2024, Minimum Payment: Rs1,301.06

If customer exceeds the approved credit limit at any given date of the particular billing cycle and over limit fee will be charged. 

An over limit charge will be applicable as per the tariff.

We will review your credit limit periodically and enhance your limit if required. Frequent usage and timely repayments will make you eligible for these automatic enhancements. Infrequent or low usage of available credit limit and late payments may result in automatic reduction in your credit limit. These are notified via special messages on your statement.

Please also note the account will be categorized as “Delinquent” in the event the minimum amount is not paid by the due date. Late payments or usage of your account over the set credit limit can result in your transactions being declined. This may also have an adverse effect on your credit rating and may result in subsequent requests for limit enhancements being declined. Your credit card information is being reported to CRIB on a regular basis as per regulations. This information is shared by all banks and financial institutions

Minimum due of current term = 5% of the outstanding + Unpaid min due of previous term (if any) + Overlimit amount (if any) + EMI installment (if any)

0% EMI plan

• Minimum Transaction Value LKR 100,000.
• Maximum Transaction Value LKR 3,000,000.
• 0% EMI tenures 3, 6, 12 & 24 Months.
• 0% EMI Plans are eligible only for the Purchase of Air Tickets or Foreign Tour packages, Education/University Payments, Hospital Payments, Solar Lease and Home Appliances(Electronics & Furniture).
• Transactions will be equally distributed as per the tenure or months.
• Any number of transactions will be eligible for the 0% EMI facility at any given time.
• Once the transaction is performed the customer needs to buzz the call center and covert the transaction into 0% EMI.
• 4% foreclosure fee will be charged as an early settlement fee for the transaction outstanding balance.

General EMI plan

Purchase anything you desire from any merchant with your CDB Credit Card and convert the payment into a 3, 6, 12, 24 month installment plan for a convenient interest rate.

• Minimum Transaction value of Rs10,000
• Maximum Transaction value of Rs 3,000,000 at any merchant.
• EMI Period: 3, 6, 12 & 24 Months with processing Fee.
• Transactions will be distributed equally as per the tenure or months.
• Any number of transactions will be eligible for the EMI facility at any given time.
• Once the transaction is performed the customer needs to buzz the call center and convert the transaction into EMI.
• 4% foreclosure fee will be charged as an early settlement fee for the transaction outstanding balance.

For more  Terms and conditions

In the event that you lose your credit card, please:

• Report the loss / damage to CDB credit Card hotline
• Block a lost or stolen card instantaneously through the CDB iControl app
• Request replacement through CDB credit card hotline/CDB outlet
• If you recover your CDB MasterCard Credit Card after you have reported its loss, please do not attempt to use it
• Please destroy the CDB MasterCard Credit Card by cutting it into several pieces and report the same to CDB
• Replacement card will be couriered in 10 working days

If you want the card to be cancelled please refer the following process:

• Submit a cancellation letter along with reason for cancellation addressed to card center manager through Branch / mail.
• The total outstanding should be settled, if there is no outstanding due card will be cancelled in 3 working days.

Kindly Contact our 24/7 CDB Credit Card hotline, we will respond to you within 3 working days.

Any tips on Dispute Resolution?

Check your statement for irregular entries. Please ensure you check your credit card transactions in the statement or the CDB iControl App, and inform CDB of any unusual transactions within 14 days of receiving your statement.

If there are irregular entries what should be done?

You can call us immediately on 011 7 121 121 (Platinum / World), 011 7 121 122 (Standard / Gold/ Titanium) or email us on cards.customercare@cdb.lk or you may write to us at Card Centre, No, 123 Orabiphasha Mawatha, Colombo 10 and inform us of the disputed transaction.

Once the dispute is received from the customer, what would the CDB do?

Based on the nature of the dispute and MasterCard regulations, CDB would make every effort to resolve the dispute within the stipulated time limit.

How long will CDB take to update me on the progress of the investigation and can I use my credit card during that period?

CDB will update the customer of the status of his/her dispute within 3 working days of receiving same. Any further updates would be made as and when appropriate. The customer will be able to use the credit card during the dispute resolution process unless otherwise specified by CDB. If the dispute is resolved in favor of the customer, CDB will refund the transaction amount and the interest component pertaining to this transaction.

LoungeKey

LoungeKey is an Airport Lounge program that allows entry simply by Cardholders providing their eligible MasterCard World & Platinum Credit card at entry. There is no need to carry an additional piece of plastic in their wallet.

Visit www.loungekey.com/CDB for CDB Airport Lounge Access.

Frequently Asked Questions

1. How does LoungeKey differ from Priority Pass?

LoungeKey is a network of worldwide lounges that allows entry by presenting an eligible MasterCard payment card. No membership card is required. Priority Pass is a network of worldwide lounges that allows members entry by presenting their valid Priority Pass membership card to gain entry to a lounge.

2. Are the lounges run by LoungeKey?

No. LoungeKey does not directly run the lounges. These are run by the airport authorities, ground handling agents and the airlines themselves.

3. Do LoungeKey and Priority Pass share the same lounge network?

Due to proprietary relationships with airlines, as well as the technical requirements, LoungeKey will not be able to offer the full complement of Priority Pass lounges. LoungeKey will have access to over 90% of the Priority Pass lounges.

4. Where are the LoungeKey lounges located and what are the differences compared with the Priority Pass network?

There are over 800 lounges in the LoungeKey network. The lounges that will not be part of this program include small lounges with minimal visits, lounges that cannot handle the technical requirements of LoungeKey, and lounges that have contractual agreements which prevent entry with a payment card.

5. Can a Priority Pass card be used to enter a LoungeKey lounge?

Priority Pass and LoungeKey are two distinct lounge programs, and they are not interchangeable. However, many LoungeKey lounges are also Priority Pass lounges.

6. How can Cardholders obtain LoungeKey lounge information?

Cardholders may check nearest lounge location, download lounge information (facility, images), and check lounge coverage at their travel destination using the following channels:

• MasterCard LoungeKey Smartphone app (iOS and Android)

• MasterCard LoungeKey website

7. What is the Customer journey when Cardholders access the lounges?

When Cardholders enter a LoungeKey lounge, they must present their eligible, valid MasterCard and say “LoungeKey” at the reception. They must also inform the lounge attendant of the number of accompanying guests if any.

The lounge attendant swipes the MasterCard on the LoungeKey card reader device to verify that the Cardholder is eligible for entry. Alternately, their payment card number may be entered via a keyboard into a secure web portal.

They will be asked to sign the card reader to verify the lounge visit and the number of guests. If requested, a receipt will be provided. The Cardholder then proceeds into the lounge.

8. Does the Cardholder need to key in their PIN if their card requires a PIN for a transaction?

The Cardholder will not need to enter any PIN.

9. What will be displayed on the screen for the Cardholder to sign?

The Cardholder will sign the card reader directly, showing the date, location, and number of visitors.

10. What is the policy for taking guests into a lounge?

Friends and guests can be invited to join Cardholders in a lounge. Typically there is no limit on the number of guests; however each lounge has the right to limit guests based on occupancy and their own policy. Cardholders can find the guest policy for participating lounges on the Lounge Finder on the website and Smartphone app. As with cardholder visits, these guest visits will be billed directly to the cardholder.

11. Is there a call center service provided by LoungeKey?

Cardholders have access to customer support 24/7, delivered via LoungeKey’s service centers. Information can be found on the Mastercard LoungeKey website as well as the Smartphone app.

12. What services are provided in the call center?

The service center can verify eligibility of the Cardholder, and can provide lounge locations and amenities.

13. What is the lounge visit charge for LoungeKey?

All lounge visits (including guest visits) will be directly billed to the Cardholder at US$35 per visit per person.

14. How are Cardholder and Guest visits charged?

LoungeKey will charge Cardholders directly for any lounge visits made by them and their accompanying guests (if any).

15. What is CDB Mastercard Credit card priceless special?

Priceless is a booking service offered exclusively to Mastercard customers featuring a wide range of unique experiences and offers. Mastercard Priceless Specials are carefully sourced from all over the world. Spanning travel, culinary, shopping, sports, entertainment, art and culture, collections have been created for you to enjoy with family and friends, no matter where you are.

16. What is the benefit for CDB Mastercard Credit card holders?

You can focus on events within your designated Priceless City or search for activities abroad to coincide with a holiday/trip.

Please visit the link below to check on the CDB Mastercard Credit card Priceless Specials offers: https://www.cdb.lk/cdb-offers

Definitions

In these conditions where the contract so requires or admits ‘this Agreement’ means the Agreement between Citizens Development Business Finance PLC, a company incorporated in the Democratic Socialist Republic of Sri Lanka (bearing registration No. PB 232 PQ) hereinafter called as ‘CDB, and the Cardholder, the terms of which are these conditions as varied from time to time. ‘Card’ means all Credit Cards issued by CDB to the Principal Cardholder and Supplementary Cardholders. ‘Principal Cardholder’ means the Cardholder in whose name a Card Account is maintained and his/her heirs, Assigns Executors or Administrators. ‘Supplementary Cardholder’ means a Cardholder who is a nominee of the Principal Cardholder permitted to carry out card transactions in view of such nomination and includes his/ her heirs, Assigns Executors or Administrators. ‘Card Account’ means an account maintained by CDB in relation to card transactions and maintained at the Card Centre. ‘Card Centre” means the Cards Division maintained at CDB Corporate Office, No 123, Orabipasha Mawatha Colombo 10.

‘Cardholder’ means any person for whom a Credit Card has been issued by CDB in terms of this Agreement which includes the Principal Cardholder and Supplementary Cardholders and includes his/her heirs, Assigns Executors or Administrators. ‘Card Transactions’ means any payment to any merchant for the supply of goods or services or cash advances obtained by the use of the card number or in any manner authorized by the Cardholder for debiting the Card Account. ‘Immediate Family Member’ means the spouse of the Cardholder, dependent children who are over 18 years or a parent of the Cardholder. ‘Merchant’ means a person or organization who is acknowledged by CDB to sell goods or services on the acceptance of the Card. ‘Card Limit’ means the maximum aggregate debit amount permitted on the Card Account as determined and notified to the Principal Cardholder by CDB from time to time. ‘PIN’ means the Personal Identification Number which is a secret number, confidentially issued to the Cardholder. ‘Payment Due Date’ means the date by which the Cardholder must make payment to CDB for all or minimum amounts due from him/her for using the Card and shall be a specified date of each month selected by CDB at its discretion and notified to the Principal Cardholder. ‘ATM’ means ‘Automated Teller Machines’, which accepts the credit card for cash advances.

The Card

• The Card is the property of CDB and shall be returned immediately by the Cardholder when requested by CDB.
• CDB may at its’ absolute discretion and without prior notice and reason withdraw the Card and the Cardholder’s right to use the Card at any time entirely or in respect of specific facilities or refuse to reissue, renew or replace any Card, without in any case affecting the Cardholder’s obligations under this Agreement, which shall continue to be in force. In case of a Cardholder returning the Card voluntarily, obligations under the Agreement will continue to be in force until all such obligations of Cardholder here under have been satisfied by the Cardholder, to the contentment of CDB.

Delivery and Use Of The Card And Personal Identification Number

• The Cardholder should sign on the reverse of the Card immediately upon receipt and should not permit any other person to use it and should at all times safeguard the Card while keeping it under the Cardholder’s custody.
• In the event the Cards are couriered to the Cardholder and Supplementary Cardholder(s), the Cardholder and the Supplementary Cardholder(s) receiving the Card(s), should acknowledge receipt immediately and produce proof of his/her identity. The Cardholder/ Supplementary Cardholder at his/her discretion may authorize a third party in writing to accept or collect the Card(s) on his/her behalf and will be liable for all charges incurred on the Card/s from the time the Card/s is/are accepted by the Cardholder/Supplementary Cardholder(s) or the person authorized on his/her behalf. CDB may at its’ discretion handover the Card to a third party determined by CDB or its’ representative to be delivered to the representative of the Cardholder. The Cardholder/Supplementary Cardholder(s) shall be liable for all charges on the Card/s from the time the Card/s is/are delivered.
• The Personal Identification Number (PIN) may be issued to the Cardholder / Supplementary Cardholder(s) at CDB or may be delivered, posted under registered cover or delivered through courier at the discretion of CDB. The Cardholder/Supplementary Card holder(s) will be deemed to have received and accepted the PIN if CDB receives no notification from the postal department or courier, as the case may be, within a reasonable time the same has not been delivered. Once received, the PIN is the property of the Cardholder / Supplementary Cardholders and the Cardholder / Supplementary Cardholder should take every precaution to ensure that the number is secured and not compromised in any manner.
• CDB reserves the right to recover the value of any disputed transaction(s) along with any associated charges from the Cardholder, where CDB has grounds to believe that the Cardholder / Supplementary Cardholder(s) has performed the transaction/s.
• The Card shall not be used for any illegal or unlawful purpose.

The Card Account

• CDB may debit the Card Account with the amounts of all Card Transactions, any other liabilities of the Cardholder inclusive of any legal fee and all other administrative costs incurred by CDB and any loss incurred by CDB, arising from the use of the Card.
• The Cardholder will be liable to pay CDB all amounts debited, whether or not a sale or cash advance voucher is signed by the Cardholder.
• CDB will send a monthly Statement of Accounts to the Principal Cardholder, to the address given in the Application or to any other address duly notified in writing to the Card Centre at least fourteen (14) days before the payment due date.
• The Cardholder shall pay at least the Minimum Payment on or before the Payment Due Date. The Minimum Payment would be 5% of the total outstanding amount shown in the Cardholder’s monthly statement or the stipulated minimum amount as per the statement. Where, the total outstanding as at the Statement date exceeds the Credit Limit, the minimum payment would be the sum of the excess amount over the Credit Limit plus 5% of the outstanding balance.
• All amounts due under this Agreement will be immediately payable in full on the commission of an act of bankruptcy by or upon the death of, the Principal Cardholder or, at CDB’s discretion if there is any breach of this Agreement by the Cardholder.
• Any payment made to CDB will only take effect when received and credited to the Card Account.

Billing and Payment

• CDB will send a Statement of Accounts monthly at the end of the billing period to the Principal Cardholder (on a specified date of each month selected by CDB at its discretion) for the purpose of calculating interest and establishing the date on which payment is due. The Monthly Statement of Accounts shall contain details of Card transactions made by the Principal and/or the Supplementary Cardholder during the billing period, brought forward outstanding amount from the previous Statement, any payment received by the Card Centre during the billing period, the total amount outstanding on the Card Account (the Total Outstanding) at the end of the billing period, the minimum payment due from the Cardholder out of total outstanding and the Payment Due Date.
• In the event, the Principal Cardholder fails to receive the Monthly Statement; it shall be the duty of the him/her to inform CDB Card Centre within 10 days of the end of the Billing period that he/she has not received the Monthly Statement of Account.
• Non receipt of Monthly Statement of Accounts does not absolve the Cardholder from his/her liability to make payment due to CDB on the Due Date.
• Payment made by the Cardholder to CDB in respect of the Card Account will be applied by CDB when it is received by Card Centre in or towards payment of the Cardholder’s liabilities to CDB, under these terms and conditions in such order as CDB may decide.
• The Cardholder, who maintains saving account at any CDB Branch, may issue a direct debit standing instruction on such Account, to settle the amount specified by such transaction on or before the Payment Due Date. Any amendments and cancelling to any such standing instruction should reach the Card Centre at least two weeks before the next Payment Due Date.
• The Cardholder shall examine each Statement of Account issued in respect of the Card Account and shall notify the CDB Card Centre of any alleged error therein within 14 days from the Statement Date. In the event the Cardholder fails or neglects to notify such alleged error within the period of 14 days, the Statement of Account and all entries therein shall be binding on the Cardholder and shall be deemed conclusive proof of the contents thereof and the Cardholder shall not dispute the contents of the said Statement of Account, thereafter. All statements of account will be sent by post to the latest address provided to CDB by the Principal Cardholder in writing and shall be deemed to have been received within 48 hours of posting. Any complaint pertaining to the Card Account may be communicated to the Call Centre through CDB Hotline 0117 121121 (Platinum/World) 0117121122 (Standard/Gold/Titanium) or in writing.
• The Cardholder shall accept as final and conclusive as between him/her and CDB, the respective rates of exchange or re-exchange determined or applied in any case of conversion of foreign currencies into Sri Lankan Rupees or re-conversion of Sri Lanka Rupees to foreign currencies or vice versa as the case may be depending on the currency of payment and the currency of account, and on the basis that the ultimate liability of the Cardholder to CDB will be in Sri Lanka Rupees.
• All the conversions and re – conversions shall be without any loss in exchange to CDB, and the Cardholder hereby undertakes to indemnify CDB against all such losses in exchange. Loss in exchange shall mean the loss suffered by CDB or its agent or correspondents by reason of any fluctuations in the parities of the currencies or devaluation of any currency/ies involved.
• Without prejudice to the other provisions of the agreement if the Cardholder should be absent from Sri Lanka for more than one month, the Cardholder shall leave clear and specific instructions to settle the Card Account and shall advise such instructions to the Card centre prior to his/her departure. CDB reserves the right to cancel the Card at its’ own discretion if not duly informed by the Cardholder.
• The Cardholder hereby agrees that upon the death of the Cardholder, the Executors or Administrators or Legal Representatives or the next of kin who have adiated the inheritance of the Cardholder, shall be liable to settle and repay all monies due, payable and outstanding on the Card Account.

Fees & Charges

• The Cardholder agrees to pay a joining and annual fee for the card. Fees will be debited to the Card Account when due.
• A handling fee for copies of card statement would be debited to the Card Account at a rate which will be determined by CDB.
• If the Cardholder does not settle the total outstanding by the Payment Due Date interest will be charged at a rate determined by CDB as indicated in the card statement calculated daily on the outstanding balances commencing from the respective transaction post dates.
• The outstanding up to the Credit Limit applicable will not be subjected to interest charges, if the whole of the balance in the statement is repaid by the Payment Due Date. However, even if the whole of the balance outstanding is repaid on the payment due date CDB shall charge on interest at a month rate determined by CDB on a daily basis on the transactions / fees posted thereafter.
• If the Cardholder fails to pay the Minimum Amount Due by the Payment Due Date, a late payment fee will be charged and debited to the Card Account. These charges will be subject to changes determined by CDB from time to time.
• CDB shall charge the Cardholder a fee and debit the Card Account if any cheque or other payment order issued or presented by the Cardholder or any other party to CDB is not honored for any reason whatsoever. This charge will be in addition to any postage charges that may be charged by CDB. These charges are subject to the changes determined by the CDB from time to time.
• A cash advance fee and / or a handling fee will be charged on all cash advances and debited to the Card Account at a rate determined by CDB and communicated from time to time.
  • An excess limit fee will be charged and debited to the Card Account subject to the changes determined by CDB if the assigned Credit Limit is exceeded at any point during the billing period.
  • For this purpose any amount debited to the Card Account as charges will also be considered, when computing whether the Credit Limit has been exceeded.
• All purchases of fuel and other supplies available at fuel Stations in Sri Lanka are subject to surcharge which will be debited to the Card Account at a rate of 2.0% of the commodity value and subject to the changes of the rate determined by CDB.
• Stamp Duty applicable for overseas transactions, any other Statutory Charge or Levy will be charged to the Card Account for each and every transaction undertaken with the Card including Cards issued to Supplementary Cardholders stipulated by Government Rules and Regulations and any charges may amended time to time without prior notification to the Card holder.
• A replacement Card fee will be debited to the Card Account at a rate determined by CDB and notified to the Principal Cardholder, in the event of such replacement becoming necessary for any reason whatsoever.
• From and out of the sums deposited by the Cardholder to the credit of the Card Account, the statutory charges, the payments, charges and fees due to CDB, and cash advances obtained by the Cardholder respectively shall first be deducted in respect of each unsettled card statement and only the balance amount shall be applied in reduction of balances outstanding appearing in the card statement, on account of respective transactions performed by using the Card.
• An annual fee will be charged from the Cardholder at a rate determined by CDB.

Supplementary Card

• CDB may at the request of the Principal Cardholder issue a Supplementary Card to the Principal Cardholder’s immediate family members provided that the Supplementary Cardholder and the use of the Supplementary Card shall be bound and governed by the same terms and conditions contained in this Agreement where applicable. Card Transactions and Cash withdrawal made by the Supplementary Cardholder are debited to the Card Account and shown in the Monthly Statement of Accounts sent to the Principal Cardholder and no separate Statement of Accounts will be given to the Supplementary Cardholder.
• The Principal Cardholder and the Supplementary Cardholder shall be jointly and/or severally liable to CDB for any charges incurred by the use of the Supplementary Card. The Principal Cardholder shall be liable for the full outstanding sum shown in the Card Account as the Principal Debtor, even though full sum or part of which may have been incurred by the Supplementary Cardholder and the liability of the Principal Cardholder shall continue as long as the sum payable to CDB remains outstanding notwithstanding cessation of relationship between the Principal Cardholder and the Supplementary cardholder.
• Once the Supplementary Card is issued, it will be in force until same is cancelled by written notice to the Card Centre by the Principal Cardholder or the Supplementary cardholder. Upon termination of this Agreement and use of the Principal Card, the use of all Supplementary Card/s shall also be terminated and the Supplementary Card/s shall be returned immediately to CDB.
• The Combined Credit Limit is applicable to the Principal Cardholder and all Supplementary Cardholders collectively; the Principal Cardholder and all Supplementary Cardholders must not carry out Card transactions in such a manner that the current balance respectively incurred by them exceeds the Combined Credit Limit.
• All undertakings, liabilities and obligations owing to CDB under this agreement by the principal Cardholder and the Supplementary Cardholder will not be prejudiced or affected in any way by any dispute or counterclaim or right of set-off which the Principal Cardholder and the Supplementary Cardholder may have against each other.

Use of ATM Machines and PIN

• Where an Automate Teller Machine (ATM) facility has been incorporated in the Card so that it may be used to withdraw cash by electronic means, the use of such facility shall be subject to CDB’s and MasterCard’s Agreement governing the use of the Card in electronic machines and provisions of the Exchange Control Act.
• Any disputes arising due to transactions performed at ATMs by Credit Cardholders will be investigated by CDB and will be the liability of the Cardholders unless proven otherwise to the satisfaction of CDB.
• In the case of ATM transactions, the information on CDB’s computer system is conclusive proof that the Cardholder has authorized the transaction(s).
• The Cardholder shall be responsible and liable for all transactions effected through the ATM by use of the card with or without the knowledge of authority of the Cardholder. The report of the lost card will not result in suspension or cancellation of this liability as the PIN has to be present for ATM transaction. Cardholders have been specifically instructed to protect, secure and separate the PIN from the Card and failure to do so is deemed as an acceptance of liability. Where the Cardholder withdraws money through the ATM from the card account CDB shall debit the card account accordingly.
• Where supplementary cards are issued at the request of the principal Cardholder, the Cardholder along with the supplementary Cardholders shall be jointly and severally liable to CDB for any charges for use of the card through the ATM. The Cardholder may use the card to withdraw money from his card account and to obtain all facilities offered through the ATM from the Cardholders credit card account.
• The Cardholder agrees that CDB’s records of all transactions of the Cardholder’s card account shall be conclusive and binding on the Cardholder for all purposes.
• The Cardholder shall exercise all possible care to ensure the safety of the card, card data encoded on magnetic stripe and/or card data in the chip and will prevent the PIN or any other card data becoming known to any other person.

Safeguarding the Card and PIN

The Cardholder shall exercise all possible care to ensure the safety of the Card and shall prevent the PIN becoming known to any other person and shall also ensure that the PIN is not kept written in any manner.

Liability / Loss of Card

• If the Card is lost/stolen/destroyed or for any other reason liable to misuse or if the PIN is disclosed to any other person, the Cardholder must as soon as possible notify the Police of the said loss, theft or disclosure and also notify the Card Centre if such notification is given to the Card Centre orally, it shall not take effect unless confirmed in writing to the Card Centre.
• The Cardholder shall be liable in respect to any use of the Card, for all Card transactions and Cash Withdrawals until such time, such written notice is received by the Card Centre and all such amounts shall be recovered from the Cardholder in the manner set out in this Agreement.
• The Cardholder shall provide CDB all the information in the Cardholder’s possession as to the circumstances of the loss or misuse of the card or the disclosure of the PIN and shall take all steps deemed necessary by CDB to assist in the recovery of any missing Card and shall forward a certified copy of the Statement made to the Police.
• CDB may at its absolute discretion issue a replacement Card for any Card lost or stolen on the same terms and conditions as the original Card subject to a charge.
• In the event the Cardholder recovers the lost or stolen Card, the Cardholder shall return the recovered Card to the Card Centre, immediately.

Recovery

• The Cardholder specifically agrees that where the Cardholder fails to settle his/her liabilities to CDB under these Terms and Conditions on the Payment Due Date, CDB has the right to, at any time and without notice to the Cardholder, debit any Savings Account or any other type of Account maintained by the Cardholder at any branch of CDB with a sum up to the full amount due and owing from the Cardholder. The Cardholder hereby authorizes CDB, to set-off any monies standing to the credit of the Cardholder in any such account maintained at any branch of CDB towards discharging any sum of monies due and owing from the Cardholder to CDB on the Card Account, to recover a sum up to the full amount due and owing from the Cardholder from any sum deposited or credited to any account maintained at any branch of CDB and to uplift any deposit held by the Cardholder in CDB or to keep such deposits under lien till the outstanding sum in the Card Account is paid in full.
• The Cardholder acknowledges and agrees that CDB shall be entitled to recover any assets of the Cardholder towards discharging any sum of monies due and owing from the Cardholder to CDB on the Card Account and that the Cardholder will indemnify CDB against any such steps taken.
• Where the Cardholder fails to settle the liabilities to CDB under these Terms and Conditions, CDB may terminate this agreement unilaterally at its absolute discretion and cancel all Cards (inclusive of Supplementary Cards) issued to the Cardholder under this Agreement. Where CDB terminates this agreement due to the default of Cardholder, such Cardholder/s shall not be eligible to enter into any new Card Agreement with CDB and shall be reported to the Credit Information Bureau of Sri Lanka.
• Where the Cardholder fails to settle his liabilities to CDB under these Terms and Conditions, the Cardholder authorizes CDB to obtain services of a third party, independent contractors as Collection Agents to visit the Cardholder and to persuade the Cardholder to settle the outstanding monies due and owing by the Cardholders on the Card Account to CDB and for such purpose, to disclose to the third party, independent contractor, necessary credit information as to the transactions and outstanding sums.
• In the event, the Cardholder continues to default the payment of monies outstanding on the Card Account, the Cardholder acknowledges that CDB is entitled to institute legal action against the Principal Cardholder (in case where there is a Supplementary Cardholder, jointly or severally with the Supplementary Cardholder), to recover the total monies outstanding on the Card Account.
• The Cardholder acknowledges that he/she shall be liable to pay all the costs of collection of dues, legal expenses and outstanding amounts with interest, should it become necessary to refer the matter to a collection agency or to legal recourse to enforce payment.

General

• The Cardholder will notify CDB Card Centre promptly in writing of any changes in employment and/or in his/her office or residence address and telephone numbers, with documentary proof therefore. Any notice given or correspondence with the Cardholder by post shall be sent to the latest address provided by the Cardholder to CDB in writing and shall be deemed to have been received within 48 hours of posting.
• CDB shall have the right at its’ absolute discretion to transfer, assign and sell in any manner, in whole or in part of the outstanding amount on the Card Account. The Cardholder hereby authorizes CDB to appoint third party collection agents for recovery of outstanding amounts. The Cardholder shall pay all the costs of collection of the outstanding amount with interest, legal expenses and collection agency charges, should it become necessary to refer the matter to a collection agency or to take legal action to enforce payment.
• The Cardholder shall furnish data concerning his/her financial position whenever required by CDB. The Cardholder further authorizes CDB to verify information furnished. If the data is not furnished when called for, CDB at its discretion, may refuse renewal of the Card or cancel the Card forthwith, if deemed appropriate, upon such cancellation, the total outstanding becomes immediately payable by the Cardholder to CDB.
• CDB reserves the right to redirect the Cardholders statements and/ or correspondence to another address designated on the application form in the event CDB’s correspondences are returned and the Cardholder cannot be contacted.
• CDB reserves the right to reduce the Credit Limit granted initially and/or to stop the renewal on the unsatisfactory conduct of the Card Account with or without prior notice to the Cardholder.
• The rights and remedies provided in this agreement are cumulative and not exclusive of any other rights or remedies (whether provided by law or otherwise). If the Cardholder disputes any transaction/s CDB will investigate such disputes. However, if the Cardholder does not wish to pursue legal action or does not visit CDB to assist in investigations or does not wish to observe Closed Circuit Television (CCTV) and other evidence or does not wish to visit merchant outlets or ATMs in the course of the investigation the Cardholder may be held liable for all disputed transactions.
• CDB’s records (including computer and microfilm stored records) of all matters relating to the Cardholder, any Card transaction, Card and/ or Card Account are conclusive.
• The Cardholder hereby agrees not to, at any time dispute the authenticity or accuracy of any computer output relied upon by CDB for any purpose whatsoever. CDB may, in CDB’s absolute discretion, microfilm or otherwise record in such manner as CDB may deem fit as well as destroy such microfilmed records at any time.
• The Cardholder understands that certain geographical regions are considered as high card risk regions depending on the prevalent trends/events by card issuers. Therefore, in case if travel abroad is expected, the Cardholder undertakes to notify CDB the countries intended to be visited, and the dates of such visits in order for CDB to take risk mitigation actions appropriate at that time.
• Where applicable, a notification of a Card Transaction through Short Message Service (SMS), Internet Banking or any other channel is in doubt; the Cardholder/s undertakes to notify CDB immediately.
• The Cardholder understands that CDB may, at its own discretion, randomly, request a confirmation of a specific transaction over the phone during its routine risk management monitoring, and agree to promptly respond to such request to the best of the Cardholder’s knowledge.
• The Cardholder agrees to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to the Cardholder by CDB in connection with the Card Account, which may be amended or varied from time to time.

Disclosure of Information

• The Cardholder authorizes CDB to disclose information to other credit card companies or Banks and if required by law to do so to the department of Inland revenue, court of law or any government department or authority concerning the Cardholder or the supplementary Cardholder(s) his/her/their Card Account(s) as CDB deems appropriate. This consent shall be effective even when the Cardholder no longer holds the Credit Card(s) with CDB.
• The Cardholder hereby consents and acknowledges that CDB at its own discretion is entitled to report the records of the Cardholders’ Card conduct to the Credit Information Bureau of Sri Lanka and/or any other Credit Information Bureau, locally or internationally.

Indemnity

• The Cardholder hereby agrees to indemnify CDB for instructions acted upon in good faith in accordance with any notice, demand or other communication purported to be given by telephone, telex, facsimile, Email or in writing by the Cardholder or on his behalf regardless of the circumstances prevailing at the time of receipt of the instruction.
• The Cardholder undertakes to hold harmless and to indemnify CDB for any liabilities, loss, damage, cost and expenses (legal or otherwise), which CDB may incur by reason of the provisions hereof or its enforcement of or it’s right hereunder.

Governing Law

This Agreement is governed by and shall be construed in accordance with the laws of the Democratic Socialist Republic of Sri Lanka.

Termination

• The Cardholder may terminate this Agreement at any time by providing written notice to CDB accompanied by the return of the Card and of any supplementary Card(s). Where this Agreement relates to the use of supplementary Card(s), the Cardholder or the supplementary Cardholder(s) may terminate this Agreement in so far as it relates to the use of the supplementary Card(s) by written notice to CDB accompanied by the return of the supplementary Card(s) which shall be cut in half.
• CDB may terminate this Agreement at any time by cancelling or refusing to renew the Card with or without prior notice and with or without cause. Unless and until such termination takes place, CDB may provide a new Card (Renewal Card) to the Cardholder from time to time.
• The whole of the outstanding balance on the Card Account together with the amount of any outstanding Card Transactions affected but not yet charged to the Card Account will become immediately due and payable in full to CDB on termination of this Agreement or on the Cardholders bankruptcy or death. The Cardholder will be responsible for settling any outstanding on the Card Account and shall keep CDB indemnified against all costs, charges, (including legal fees) and Expenses incurred in recovering such outstanding. Pending such repayment, CDB will be entitled to continue to charge finance charges and other fees and charges at its prevailing rate(s).
• Notwithstanding the termination of this agreement by either party the Cardholder shall continue to be liable for all further charges incurred by the use of the Card.

Effective January 2019

1. Preamble

1.1 This is a mandatory code of conduct (hereinafter referred to as ‘Code’) prepared in terms of the Credit Card operational guidelines No. 01/2010 issued by the Central Bank of Sri Lanka for adoption by Credit Card issuing member banks/ institutions (hereinafter referred to as ‘Issuer’) and/or their associates. It is expected that this code will act as a benchmark service standard in dealings with individual customers. The Code details the obligations the issuers undertake when issuing credit cards and other card products. This code will guide issuer’s staff in dealing with customers. The Code is expected to help the credit card users understand their rights and measures they should take to protect their interests. The issuers who adopt this Code will place it on their websites and make copies available to customers on request.

About this Code

1.2 As a mandatory document, the Code promotes competition and encourages market forces to achieve higher operating standards for the benefit of the customers. In the Code, `we/our’ denotes the issuer. The standards of the Code are governed by the key commitments detailed in section 2. Unless stated otherwise, all parts of this Code apply to all the credit card products and services, whether we provide them across the counter, over the phone, on the internet and/or by any other method. Commitments outlined in this Code are applicable under normal operating business environment. In the event of force majeure, it should be clearly understood that we may not be able to fulfill the commitments under this Code.

2. Key Commitments

We commit to:

2.1 Act fairly and reasonably in all our dealings by;

• meeting the standards in this Code, for the products and services we offer, and in the procedures and practices our staff/agents will follow.
• making sure our products and services comply with relevant laws, regulations, guidelines, directions and circulars.
• ensuring that our dealings with customers rest on ethical principles of integrity and transparency.
• engaging in lawful and ethical consumer practices.

2.2 Help the customer understand how our credit card products and services operate by offering the following information in a simple language;

•  what are the benefits to the customer.
•  how the customers can avail of the benefits.
•  what are the costs, fees and charges.
•  whom/how the customer can contact to address their queries.

2.3 Deal quickly and effectively with customer queries and complaints by;

•  offering channels to route their queries.
•  listening to them patiently.
•  communicating responses to the customers within 10 working days of receipt of complaint/ query.
•  informing the customers how to take their complaint forward, if they are not satisfied with our response.

2.4 Publicise this Code, by making it available for public access on our website and make copies available to customers on request in English, Sinhala and Tamil.

3. Information (Enabling the customers to choose products and services, which meet their needs)

3.1 Prior to issuing a credit card, we will;

a. provide information explaining the key features of our credit card products including;

• relevant terms and conditions;
•  applicable fees and interest rates;
•  method of calculating minimum amount due and interest;
•  how to avoid or minimize the interest charges and penalty charges;
•  billing and payment procedures;
•  renewal and termination procedures; and 
• any other important information that may be required to operate the card;

b. make the customer aware of the minimum information/ documentation required from the customer to enable us to issue a credit card including the documentation with respect to their identity, address, employment etc., and any other document that may be stipulated by statutory authorities in order to comply with legal and regulatory requirements.

c. verify the details provided by the customer on the credit card application by contacting via telephone and/or visiting through agencies appointed by us for this purpose, if deemed necessary.

3.2 We will inform our targeted turnaround times when the customers apply for a product/ service.

3.3 We will provide a service guide/member booklet detailing the terms and conditions, interest and charges applicable, rights and liabilities of the customer if the credit card is lost / misused and other relevant information with respect to usage of the credit card, along with the first credit card.

3.4 We will provide our contact details such as telephone numbers, postal address, website/ email address to enable the customers to contact us whenever they need to.

3.5 We advise the customer to collect all payment receipts to reconcile their monthly statements. If the customer does not recognize a transaction, which appears on the credit card statement, more details will be provided, if requested. In some cases, we may need the customer to provide us confirmation or evidence to prove that they have not authorised a transaction.

4. Tariffs (Interest/ Fees/ Charges)

4.1 We will provide our schedule of fees and charges (including interest rates);

•  with the application form,
•  in the service guide/member booklet,
•  when the customer calls on the customer service numbers,
•  on our website, or
•  through our designated staff.

4.2 We will clearly explain how we apply interest and/or charges to customer’s account using examples, on request, in addition to the information in the credit card statement and the publication available on the website.

4.3 Changes in our tariffs

When we change our tariffs (interest rate and/or other fees/charges) on our credit card products, we will update the information on our telephone messages, website, and on the credit card statement, in order to notify the customers at least 10 days prior to implementation of such changes.

5. Sales and Marketing Ethics

5.1 Field Personnel

•  Our sales representatives will identify themselves when they approach customers and potential customers for selling card products.
•  In the event of receipt of any complaint from customers, that our representative has engaged in any improper conduct, we shall take appropriate steps for redressal of complaint.

5.2 Telemarketing

•  If our telemarketing staff/agents contact the customers over the phone for selling any of our credit card products or with any cross sell offer, the caller will identify himself/herself and advise the customer that he/she is calling on our behalf.
•  It is ensured that customers will be contacted only when the call is not expected to inconvenience the customer. Generally between 0900 hrs and 1900 hrs.
•  Calls earlier or later than the prescribed time period may be placed only when the customer has authorised to do so either in writing or orally.

5.3 Telemarketing Etiquette

Our telemarketing staff will follow acceptable tele-calling etiquette as follows;

5.3.1 Pre Call

Calling only on lists that have been cleared by CDB or the CDB appointed Direct Sales Agent.

5.3.2 During a Call

• Identify themselves and CDB, and state reason for the call.
• Request permission to proceed, if denied permission, apologise and politely disconnect.
• Always offer to call back on landline, if call is made to a mobile phone.
• To the extent possible, talk in the language which the customer is most comfortable.
• Keep the conversation limited to business matters. Never interrupt or argue.
• Check for the customer’s understanding of the ‘Most Important Terms and Conditions’ if the customer plans to buy the product.
• Provide their telephone no., their supervisor’s name or CDB contact details if requested by the customer.
• Thank the customer for their time.

5.3.3 Post Call

•  If the customer has expressed lack of interest for the offering, we will endeavour not to call the customer for the next 3 months with the same offer.
•  In the event a customer calls regarding products already sold, the sales staff will direct the customer to the relevant department/ unit of the CDB to handle such queries.

5.4 Confidentiality of Customer Information

The sales representatives will respect the customer’s privacy at all times. The customer’s interest may generally be discussed only with the customer and any other individual/family member such as the customer’s accountant/secretary/spouse, if authorised by the customer in writing, by e-mail, by recorded telephone line, by fax or SMS.

5.5 Training

The sales representatives are provided with the required training and guidance in order to perform their task effectively.

6. Issuance of Credit Card / PIN

The PIN can be generated through CDB iControl App.

7.Account Operations and Credit Card Statements

7.1 To help the customer manage the credit card account and check details of purchases/cash drawings using the credit card, we will offer the customer the facility to receive credit card transaction details either via mail or via internet banking. Credit card statement will be generated on a predetermined date of every month which will be notified to the customer.

7.2 In the event of non-receipt of credit card statement, we advise the customer to inform us to obtain a copy of the statement, which will be sent within 10 calender days to enable the customer to make the payment in a timely manner.

7.3 We will inform the customer of any new services and value additions, that we may introduce from time to time with the option to accept/decline and will indicate the fees/ charges applicable for such new services in advance.

7.4 In the event of a cheque deposited to the customer’s card account being returned, we will inform the customer of such return within 7 calendar days from the receipt of such unpaid cheques.

7.5 We will not unduly penalize the customer if cheques are deposited prior to the payment due date within the time frame prescribed by us, but realized after the due date due to errors/ delays on our part.

7.6 We will inform the customer of any proposed upgrade and/or limit enhancement on the customer’s account. The customer would be given the option to accept or decline the proposed upgrade and/or limit enhancement within a stipulated time period therein. We expect the customers will carefully read such notifications and respond accordingly.

7.7 We will advise the customer what can be done to protect the customer’s credit card from misuse.

7.8 In the event the customer’s credit card has been lost or stolen, or the customer’s PIN or other security information becomes known to a third party, we will, on the customer notifying us, take immediate steps to deactivate the customer’s card and take action in accordance with the terms and conditions of the cardholder agreement.

8. Confidentiality of Account Details

8.1 We will treat the customer’s personal information as private and confidential (even when the individual is no longer a customer). We will not reveal transaction details of the customer’s accounts to a third party, other than in the following exceptional cases;

•  if required by law.
•  if requested by the customer in writing, by e-mail, by recorded telephone call, by fax or sms (These requests will be archived for future reference).
•  in order to comply with the law.
•  if in our interests, it requires us to give the information to prevent fraud, for audit etc.

9. Collection of dues

Our CDB’s dues collection policy is built on courtesy, fair treatment and persuasion. We believe in fostering customer confidence and long-term relationship. In some instances calls would be placed earlier or later than the prescribed time period of 0900 hrs and 1900 hrs in order to contact the customer regarding payment dues, to ensure smooth operation of the customer’s credit card.

Our staff or any person authorized to represent us in collection of dues and/or security repossession will identify himself/herself and interact with the customer in a civil manner.

We will provide the customer with all the information regarding dues and will give sufficient notice for payment of dues.

We will respond to any queries made or clarifications requested by the customer with regard to the customer’s dues and recovery letters within 10 working days from the date received at recoveries department.

10. Suspicious Transactions Confirmation

In some instances calls earlier or later than the prescribed time period of 0900 hrs and 1900 hrs may be placed in order to confirm suspicious transactions on the customer’s credit card. This is done in the interest of the customer to prevent unauthorized usage.

11. Handling of Complaints

11.1 Handling of customer complaints internally

•  We will have a Complaints Handling Procedure within the organization.
• Our complaints handling procedure including the targeted response times to customer complaints and escalation process, will be displayed on our website.

11.2 Making a complaint to the Financial Ombudsman, Sri Lanka

If the customer does not get a satisfactory response to the customer’s complaint from us within 30 days and the customer wishes to pursue other avenues for redress, the customer may approach The Financial Ombudsman, Sri Lanka .

Address: No. 143A, Vajira Road, Colombo – 05.

Telephone: +94 11 259 5624

Fax : +94 11 259 5625

Email : fosril@sltnet.lk

Website : www.financialombudsman.lk

12 Termination of Credit Card

12.1 The customer may terminate the credit card by giving notice to us and by following the procedure laid down by us in our terms and conditions of the cardholder agreement after clearing all outstanding dues, if any.

12.2 We may terminate the customer’s credit card, if the customer is in breach of the cardholder agreement and take necessary action to settle unresolved issues, if any, according to the dispute resolution procedure.

13 Feedback and Suggestions

Customers can provide feedback on our services and their suggestions will help us to improve our services.

Security for your CDB Credit Cards

At CDB, we make every effort to protect you and your cards against fraud. You are protected by Fraud Detection System and 24/7 Fraud Monitoring team. CDB’s Fraud detection system will look for any unusual activity on your account in order to help protect you from fraud.

Customer Assistance

If your card is lost or stolen or likely to be misused, either at home or overseas, we provide 24 hour Customer Service assistance. If you contact us immediately on 011 7 121 121 (Platinum / World), 011 7 121 122 (Standard / Gold/ Titanium) our staff will cancel your card(s) and will issue replacements immediately.

Chip technology

Chip cards are credit cards with an embedded microchip. These cards can store encrypted and confidential information, and therefore offer greater security than magnetic stripe cards.

Both chip and magnetic stripe cards are welcome by all merchants. The processing of a chip card is very similar to that of a magnetic stripe card. Merchants who accept chip cards will insert (dip) the card into the terminal instead of swiping the card. The cashier will keep the card dipped in the terminal until a sales slip is printed out. Merchants who are yet to upgrade to chip technology will continue to swipe the card through the terminal. In both cases, you will be asked to sign the sales slip to complete the transaction.

Points to Remember

1. Let us know if your renewal card does not arrive a week prior to the expiry of the Existing card.
2. Dispose the Old Card (Destroy it by cutting it into pieces) once you activate the renewal or the replacement card
3. Please ensure CDB Credit Card welcome kit is in a sealed condition when it’s delivered if not kindly notify us immediately
4. Please inform us in advance if you plan to travel abroad or use the card for high amount transactions
5. Be mindful to read through every transactions on your credit card statement, kindly do check whether right amount is charged for all your Purchases and there aren’t any unauthorized transactions on your Credit card. If there are any discrepancies, Report them immediately to CDB card center.
6. If possible, try not to let your card out of sight while transactions are being performed at merchant Outlets.
7. Inform CDB if you do not receive your monthly statement.
8. Never allow anyone else access to your credit or debit card. If your card is borrowed by a family member (spouse, child, parent), with or without your consent, you, the cardholder, may be responsible for any transactions on it.

Safeguard Your PIN

Your PIN is personal to you. If you have any additional cardholders on your account, they will have their own PIN. Protect your PIN by following the tips below:

1. When using an ATM stand close to the PIN pad to avoid others seeing you enter your PIN.
2. Don’t write down or tell anyone your PIN/security information.
3. Don’t let anybody else to enter the PIN on behalf of you to do a transaction.
4. Never disclose your PIN when ordering by phone, mail order or while using your card on the Internet.
5. Be mindful to Change your Card PIN frequently.
6. Memorize your PIN
7. Do not choose sequence such as 1234 or 1111 while generating PIN through CDB iControl App.
8. If you have forgotten your PIN you can generate new PIN through CDB iControl App.
9. CDB Credit Card holders can generate their own 4-digit credit card PIN by registering on CDB iControl App Free of Charge

Responsible Tips for Safe ATM Usage

You can withdraw cash using your PIN at any ATM in Sri Lanka and abroad, which displays the MasterCard symbol (Depending on your card type).

1. On completion of your transaction, safeguard your money and card quickly before leaving the ATM Premises.
2. Be vigilant to count the money withdrawn from the ATM.
3. If the ATM does not return your card when you expect it to, do not re-enter the PIN. Report it to the CDB immediately.
4. Do not accept help from ‘well-meaning’ strangers and never allow yourself to be distracted.
5. Be vigilant when using an ATM. If you suspect that the ATM has been tampered with or is damaged, use another ATM and report to the CDB.
6. Always remember to dispose the Receipt of the transaction by tearing it into pieces.

Update Contact information

We make every effort to protect you against fraud and may need to contact you quickly if we identify any suspicious activity on your cards. The best and quickest way for us to contact you is via a call to your mobile number updated in our Systems. Therefore, if you change your contact information be mindful to inform us regarding the changes by calling our hotline.

Protecting your Card while Abroad

Before you leave the country

1. Always consider taking more than one method of payment, e.g. CDB debit card, CDB credit card
2. We monitor unusual transactions on your cards to help protect you and to prevent fraud. So let us know if you’re going abroad. This will significantly reduce the chances of your transactions being referred or declined. However, this is not guaranteed.
3. Make a note of CDB’s contact details before you leave the country so that you can contact us if you require our assistance while you’re away.

Whilst you are overseas

1. Never leave your card unattended anywhere. Protect it as if it was cash.
2. If your card is lost or stolen while you’re away, immediately contact us on 011 7 121 121 (Platinum / World), 011 7 121 122 (Standard / Gold/ Titanium).
3. Be vigilant when using ATM’s and always protect your PIN.
4. Always ensure the card is swiped in your presence at a Merchant location
5. We monitor foreign transactions on your account to prevent fraud, will carry -out security checks on attempted overseas transactions. We apologies if this cause any inconvenience to you.
6. When you get back to Sri Lanka Make sure you always check carefully the entries on your statement. If you find any unexpected or incorrect transactions, contact us immediately on the hotline appropriate to your card type.

Protect the Card while doing online transactions

1. Register for Verified by Visa or MasterCard Secure Code to make your online payments more secure.
2. You may often be asked to confirm the last 3 digits of the number printed on the signature panel on the reverse of your card. This number is unique to your card and is an additional security feature.
3. Do not disclose your full Card Number, Expiry Date and CVV value to anyone
4. Only access personal internet banking or shopping sites by typing in the web address. Never use a link from an email.
5. Protect your PC by regularly updating your operating system and anti-virus software.
6. Don’t respond to unsolicited emails that request personal or financial information. If you’re suspicious of an email received that appears to be from CDB, please forward it to cards.customercare@cdb.lk

Download Credit Card Application Form