The BOC Cards can be used for shopping at more than 6000 merchants in Sri Lanka and 20 million merchants worldwide


  • Duly Completed Application Form
  • Certified copy of National Identity Card/ Valid Passport or Driving License
  • Proof of Salary / Income
  • Utility Bill to Confirm Residential Address (If necessary)


  • A monthly statement is sent to the cardholder at the end of the billing period with the details of the total amount outstanding on the card account as at the statement date 
  • The minimum amount required to be paid (i.e. 5% of the total outstanding or Rs.500 whichever is higher). 
  • Read the billing statement carefully for any charges on purchases not made by you 
  • In case of such charges, notify the bank immediately


  • The cardholders are instructed to settle either the minimum due amount
  • A desirable amount (greater than the minimum due) or
  • The full amount on or before the due date.

Modes of Payment 

  • Standing Order Instructions to recover from 5% to 100% of the card balance (automatic settlement option) 
  • Pay through BOC Internet Banking (request your BOC branch to add the card account to Internet Banking facility)
  • Pay by cash or cheque at any BOC branch
  • Pay through ATM (request your BOC branch to add card account for ATM settlements)
  • Pay through Cash Deposit Machines


Regular Income Earners

  • Duly completed application form 
  • National Identity Card/ valid Passport / Driving License
  • Proof of Salary / Income
  • Utility Bill to confirm Residential Address (if necessary)

 Self Employed

  • Duly completed Application Form
  • National Identity Card/ valid Passport / Driving License
  • Copy of Business Registration
  • Tax Receipts (if available)
  • Utility Bill to confirm Residential Address

Corporate Executives (indemnified by the respective corporate)

  • Duly completed Application Form
  • Copy of National Identity Card/ valid Passport / Driving License (Note : Documents should be certified by the Company Secretary)
  • Request Letter from the company to issue a credit cards to the applicants
  • Board Resolution
  • Indemnity
  • Form 20
  • Certified Copy of the Certificate of Incorporation

Any segment backed by cash securities

  • Duly Completed Application Form
  • Copy of National Identity Card/ Valid Passport / Driving license
  • Letter of Set Off
  • Utility Bill to confirm Residential Address
Credit Card Interest Calculation


Statement Date31.08.2020Due date22.09.2020
Statement Period31.07.2020- 31.08.2020Minimum PaymentRs. 1250.00
Posting DateDescriptionBilling AmountBalance
31.07.2020Opening Balance 0
25.08.2020Cash Advance15,000.0025,000.00
25.08.2020Cash Advanced Fee600.0025,600.00
31.08.2020Interest Charged81.6725,681.67
31.08.2020Closing Balance
Statement Date30.09.2020  
Statement Period01.09.2020- 30.09.2020  
Posting DateDescriptionBilling AmountBalance
01.09.2020Opening Balance 25,681.67
30.09.2020Interest Charged698.3921,380.06
30.09.2020Closing Balance 21,380.06
Interest Calculation
Date RangeAmountRateNo of DaysInterest
15.08.2020 - 21.09.202010,000.0028%38/360295.56
22.09.2020 - 30.09.202020,681.6728%9/360144.77
How to Use Your Card Securely

The importance of protecting your credit card information is essential now, with the introduction of online shopping and various other methods of payments. As such, it’s wise to be proactive in preventing card frauds targeting you. Furthermore, the responsibility always lies with credit card holder to safeguard their credit cards. Here are some important "do’s and don’ts" on how to safeguard your credit card.


  • Place your signature in the reverse of the card in the space provided.
  • Keep your card number confidential.
  • Ensure that your transaction is processed in your presence every time you make a purchase.
  • Check your card when it is returned to you by the cashier to ensure that it is yours and that it has not been tampered with.
  • Retain your receipts so that you can check them against your statement.
  • Inform us immediately if suspected transactions are appearing in your statement or received a SMS for a transaction which you have not done.
  • Keep your statements in a safe place as it contains sensitive information.
  • Inform the Card Center if you are travelling overseas and intend to use the card.
  • Notify us of any change of the address or the contact numbers to receive your statements and SMS alerts correctly.
  • Inform us immediately if your card is stolen or lost.(1975)
  • The cardholder shall exercise all possible care to ensure the safety of the card and keep the PIN strictly confidential. 
  • In order to safeguard the transactions, cardholder can register for free SMS alert service to receive transactions alert to your mobile phone number.


  • Do not disclose the PIN Number, CVV Number and the Expiry Date to any third party.
Other Important Facts to know when using a Credit Card

Credit Limit 

  • The covering letter accompanying the card, as well as the statement will show the initial credit limit assigned to the Cardholder by the bank, which must be strictly observed. The Cardholder may apply for an enhancement of his/her credit limit of the Credit Card associated with an account at any time after 6 months usage.

Card Account 

  • The bank may debit the card account with the amounts of all card transactions, enrolment charges, interest and any other liabilities of the Cardholder and any loss incurred arising from the use of the card.

Using the Card Internationally

  • The card is valid for International Transactions at service establishments and if its usage exceeds the entitlements as per the guidelines of the CBSL, then the Cardholder undertakes to obtain the requisite permission from CBSL by complying with CBSL requirements. However, under no circumstances should payment of the statement be delayed or refused on the grounds of excess withdrawals.    

Cash Advances 

  • Cash withdrawal is restricted to 50% of the credit limit and should not exceeded under any circumstances.

Cardholder Relocating Overseas 

  • A Cardholder migrating and/ or proceeding aboard on permanent basis, or who is deemed “non-resident” as per the exchange control regulations in force at that time must inform the bank in writing, and must settle all billed and unbilled charges and must also surrender the basic card and any supplementary cards to the bank.  


  • Cardholder can withdraw cash from ATM’s by using Card in combination with the PIN. Some merchant outlets in overseas require PIN to complete the transaction.

Loss / Stolen Cards 

  • If the card is lost or stolen, the cardholder must immediately inform the Call Centre via 1975. He/she has to file a report with the local police where loss/theft occurred. The cardholder is liable to pay for the debts/pending debts to the card account resulting from unauthorized transactions until the BOC card centre is duly informed by the card holder.        
  • The bank will be under no obligations to issue a replacement card to the cardholder following its loss or theft. Any replacement card will be subject to a handling fee which will be debited to the card account at a rate determined by the bank and shall be issued at discretion of the bank on the same terms and conditions as bank deems fit as the original card and under a different card number.   


The cardholder may terminate the agreement by written notice to the bank. But such termination shall only be effective on the return and of all the cards issued and payment of all liabilities of the cardholder to the bank.

The bank may terminate the 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 the bank may provide a new card (renewal card) to the cardholder from time to time.   


  • The bank shall be entitled to receive and share credit information concerning the card holder with any credit reporting agency and/or credit bureau and any person, corporation or merchant with whom the card holder proposes to have financial relations. 
  • Once cardholder received the PIN, it is cardholder’s property. Therefore, cardholder should take every precaution to ensure that the number is secured and not compromised in any manner. Don’t carry the PIN in cardholder’s wallet or purse and don’t write it on the credit card. Memorize the PIN. Never write it down. 
  • Take Cardholder receipt after completing a transaction. Reconcile all receipts with bank statement as soon as possible. 
  • Cardholder will be liable to pay to the bank all amounts so debited whether or not a sale or cash advance voucher is signed by Cardholder. 
  • Any payment to the bank will only take effect when received and credited to the card account. Cardholder should ensure that funds are available to meet any cheque given to the bank in respect of the Cardholder’s obligations.  
  • The card account will only be credited with a refund in respect of a card transaction if the bank receives a refund verification acceptable to it. Cardholder shall be bound to bring all discrepancies or disclaimers in respect of card transactions to the notice of the bank not later than two weeks after the issue of the monthly statement by the bank.   
  • The loss or theft of the card, Pin and/or the card verification number should be reported immediately upon discovery of loss/theft by telephone, email, fax or telex to the BOC Card Centre.   
  • The card should not be used for any illegal or unlawful purpose.   
  • The bank may issue an additional card for use by any person nominated by Cardholder as an authorized user of the card account. Cardholders are liable for all amounts arising from or losses incurred by the bank in connection with the use of the card by the authorized user and which amounts shall be debited to the card account.   
  • Cardholder should immediately notify the BOC Card Centre in writing of any change of name or address.  
  • When travelling aboard, always keep the Card Centre informed of the dates and the countries of visit, if the Cardholder intends to use the Credit Card overseas.   
  • Bank shall not encourage/induce the customers to use Credit Cards to acquire land or any other property, payment of monthly installments of any property acquired by the customer or any third party, and/or any capital account transaction specified in the Exchange Control Act, Regulations, Directions or Guidelines issued by the relevant authorities.
  • Rules and conditions related to the Credit Card shall be governed by the laws applicable in Sri Lanka and the exclusive jurisdiction of the courts of Sri Lanka.  
  • 1% surcharge will be applicable for fuel, liquor & cigarettes.  
  • What is the minimum requirement to obtain a BOC Credit card? 
    Anyone who is above 18 years of age and having a net income Rs. 15,000/- minimum per month. 
  • Can I use my BOC Credit Card as soon as I receive it? 
    You have to get your card activated by contacting us on the phone number given at the back of your card. 
  • Why should I have a PIN for the credit card? 
    For cash withdrawals through ATMs. When the credit card being used overseas, some countries need the PIN to process credit card transactions. 
  • Can I change my PIN? 
    You can change your PIN through any BOC ATM. We always advice you to do so.
  • Am I automatically receiving a new BOC Credit Card before it expired? 
    You will receive a new Credit Card before 30 days of the expiry date.
  • Where can I use my BOC Credit Card? 
    At any Point of Sale (POS) where merchant accepts Visa / MasterCard/Amex, for online purchases and at ATMs for cash withdrawals (locally or internationally)
  • Can I use my BOC Credit Card at POS machines belongs to other banks? 
  • What is the CVV number and what is the purpose of it? 
    CVV is the 3 digit number printed on the reverse of your credit card. CVV is useful for online purchases
  • How can I check my credit card account balance? 
    Obtain internet banking (e-banking) facility from Bank of Ceylon and view the balance of the card account online. Request for same via any BOC ATM or Call us on the number provided at the back side of your credit card.
  • How can I increase or decrease my credit limit? 
    » To Increase - Submit the written request together with latest income statements to the Credit Card Issuing Department.
    » To Decrease - Submit the written request to the Credit Card Issuing Department. 
  • How can I close my BOC Credit Card account? 
    Hand over a written request to one of our branches or posted to us after paying all dues with interest together with the card punched or broken to two parts.
  • How do I change my personal details?
    Submit a duly signed letter with details of changes.
  • How can I get my BOC Credit Card Statements? 
    Monthly statement will be delivered via the post or e-mail. 
  • What is the advantage of SMS alerts? 
    You can provide us your mobile number to receive SMS alerts for every transaction, which allows you to verify the genuineness of the transactions.
  • What should I do if my credit card is lost or stolen? 
    You should immediately report this to the Card Centre or Call Centre 1975 or 011-2204444. Make a record of your credit card numbers and telephone numbers for reporting lost or stolen cards. Keep that list in a safe place.
  • What should I do if I suspect there has been a fraudulent activity on my Credit Card? 
    Call immediately our Call Centre number provided on the reverse of your credit card and inform us of the suspected transaction on your credit card. 
  • How do I set up a standing order to pay my Credit Card account? 
    You can visit any of our branches and open an account (if not an account holder of BOC). Thereafter you can submit a Standing Order request to set up a standing order facility for your account. 
  • What do I do if my BOC Credit Card is damaged?
    Inform our Call Centre using the number provided at the reverse of your credit card or Issuing Department and make a request for a replacement Credit Card  
  • Can I use my BOC Credit Card overseas? 
    Yes. You can use your BOC credit card at any payment point which accepts Visa and MasterCard as payment networks. 
  • Can I use my BOC Credit Card at any ATM to withdraw cash? 
    Yes. You can use your BOC credit card at any ATM which accepts Visa & MasterCard to withdraw cash
  • If I suspect someone has stolen my password or used it to make a fraudulent purchase, what should I do? 
    You should immediately inform to our Call Centre via the number provided at the back side of your Credit Card and change the password

For more details, please contact

  • 24 Hour Customer Service Hotline :1975 or 0112 204444
  • Card Issuing : 0112 205635-37
  • Balance Inquiry / Card Activation: 1975 or 0112 204444
  • Pin Inquiry : 0112 205644
  • Limit Enhancement : 0112 205638
  • Address/Mobile Number Change  : 0112 205642
  • Billing Inquiry : 0112 204760-62
  • Card Issuing : 0112 205635-37
  • Issue of Visa Letters for Credit Card : 0112 205644
  • Card Closure : 0112 205661
  • Delivery of Card and Pin Number : 0112 205634
  • Travel Insurance : 0112 205635
  • Recovery : 0112 205650/5677
  • Installment/Easy Plan : 0112 204764

Fax: 0112325092

BOC Card Centre, Level One,
West Tower – World Trade Centre - Echelon Square,
Colombo 01

Disputes/Complaints/Grievances on Card Payments

How can we help YOU?

  1975 |    +94 11 2204444