This card shines for its access to over 1,265 airport lounges globally, appealing to travelers seeking comfort while waiting for flights. it provides rewards points redeemable at 180+ lifestyle partners, covering dining, shopping, and travel, which can enhance your spending experience.

However, the 27% APR is a significant drawback for those who carry balances, making it costly over time. The annual fee of LKR 3,000-5,000 after the first year may deter casual users who do not its full benefits.

Compared to cards like the HNB Rewards Credit Card, which offers lower APR and broader rewards categories, the NDB Visa Platinum may not be the best fit for every user. It’s crucial to evaluate your spending habits before applying.

Customer service reviews are mixed, with some cardholders noting delays in assistance. This could impact your experience when needing support. For frequent travelers willing to maximize lounge access and rewards, this card holds value, but it is not designed for everyone.