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Hailed as Sri Lanka’s most cost-effective credit card with the lowest interest rate in the market, Pan Asia Black falls under the premium ‘Titanium’ range of MasterCard. Cardholders are automatically entitled to a host of premium benefits derived from MasterCard, and enjoy the crème de la crème of offers and convenience, both in Sri Lanka and across the world.

The ideal card for you and your lifestyle, Pan Asia Black also offers you the convenience of free balance transfers from other local credit cards and enhanced security features against fraudulent transactions thanks to its EMV chip card.

Pan Asia Black MasterCard Value Propositions

  • No joining fee
  • Enjoy one of the most competitive credit card interest rates in the market 18% p.a. (with effect from 01st September
  • Free SMS facility to check  Credit Card available balance and statement details instantly by simply giving a missed call to 0112104040 from your registered mobile number.
  • Year-round discounts on selected merchant products/services
  • Ability to convert any transaction above Rs.25,000/-  to an 0% interest Installment Payment Plan
  • EMV Chip card for added security
  • ATM cash advances through worldwide MasterCard ATM network
  • Free SMS alerts facility for all customers transactions
  • Free e-statement facility to the customer
  • Transfer your credit card balance to a Pan Asia Bank Credit Card on equal monthly installments of your choice for the lowest interest in the market

Life Insurance Cover

  • Special life insurance cover for Pan Asia Bank Credit Cardholders in partnership with Sri Lanka Insurance Corporation (SLIC). Terms and Conditions of the life insurance cover are as follows,
OptionInsured ValueAnnual Premium
1Rs. 100,000/-Rs.120/-
2Rs. 250,000/-Rs.242/-
3Rs.500,000/-Rs. 633/-
4Rs.1,500,000/-Rs. 1,848/-
  • Life Insurance Application Form and Health Declaration Form
  • Eligible Age 18-69 (If the cardholder is more than 60 years of age, a Heath Declaration should be submitted)
  • Suicide exclusion will apply during the first year of cover from the date of enrolment.
  • If cardholder is having following pre-existing ailments, the coverage will commence only after first 12 months from enrollment. (Cancer, Myocardial Infarction, Stroke, Coronary Artery Surgery, Renal Failure, Major Organ Transplant, Paralysis, Chronic Liver Disease, Chronic Lung Disease, Benign Brain Tumor)

Pan Asia BlackMasterCard is designed for:

  • A permanent monthly income of Rs.60,000 or more

Documents required to open a Pan Asia Black MasterCard


  • A completed credit card application form
  • Copy of NIC or valid Passport / Driving license
  • Most recent salary slip authenticated by your employer
  • Letter from employer confirming salary (Including a breakdown of all deductions)
  • Credit Card statements for last three months (optional)
  • Copy of a recent utility bill (not older than 3 months) as proof of residential address

Self Employed

  • Completed credit card application form
  • Copy of NIC or valid Passport / Driving license
  • Certificate of Business Registration
  • Form 18 & 20, in case the company is a limited liability
  • Letter from the auditor confirming annual income for the last two years
  • Bank statements for the last three months (both company and personal)
  • Tax returns in the last two years
  • Copy of a recent utility bill (not older than 3 months) as proof of residential address

Other Charges and Fees

Late paymentRs. 900
Card replacement feeRs. 500
Cheque return feeRs. 500
Permanent limit enhancementsRs. 1,000
Temporary limit enhancementsRs. 500
Certified copies of card statementRs. 200
Cash advance feeRs. 200 or 3.50% whichever is higher
Interest on cash advances (Charged from the date advance obtained)18% p.a
Copy of transaction slip – Local (Trnx within last 3 monthsRs. 350
Copy of transaction slip – Overseas (Trxn within last 3 months)USD 10
Over limit FeeRs. 900
Credit Card balance confirmation / visa lettersRs. 600

* Government Charges (ex: Stamp duty etc.) and taxes will continue to apply.


ItemTariff (Rs.)
Joining FeePrimary cardFree
Supplementary cardFree
Annual FeePrimary card3,000/-
Supplementary card1,500/-
Interest18% p.a  1.5% p.m

(with effect from 01st September)