Balance Transfer Facility

What is it?
  • Ability to consolidate your credit card debt with no hassle with HNB BT and settle at your convenience with monthly installments. Simply call us on 0112462462 OR complete the BT form and hand it over to your nearest HNB branch.
  • Repay the loan in 3,6,12 and 24 months’ plan, at your convenience, for a minimum upfront One-off Fee.
  • You can obtain and BT facility for up to 75% of your card limit (subject to the available balance on your Credit Card).
    • The minimum BT amount will be LKR 25,000/-. Funds will be credited direct to your designated Other Bank Credit Card through CEFTS within 3 working days.
    • All HNB Credit Cards excluding Mastercard Corporate & Businesscards are eligible for this facility, subject to qualifying criteria of the Bank.
How does it work?

Illustration for LKR 25,000 HNB BT facility;

Tenure 3 6 12 24
Monthly Installment 8,333.33 4,166.67 2,083.33 1,041.67
One off processing fee % * 7% 9% 13% 25%
One off processing fee Amount * 1,750 2,250 3,250 6,250
Monthly Interest** 0% 0% 0% 0%

*The stated processing fees are subject to change.
** In the event the monthly instalment is not paid in full, the prevailing credit card interest rate will apply.


Terms & Conditions Apply

What are the applicable Terms and Conditions of this product?

Please refer the BT Terms and Conditions of the HNB Balance Transfer Facility.

Apply Now

Call 0112462642 or use the application form below.



Application for Balance Transfer