How to Apply for a BOC Visa Classic Card

If you are looking for a credit card with benefits over a wide spectrum, and one that is globally accepted, the BOC Visa Classic Card might be the card for you. It offers excellent discount possibilities and competitive rates. 

It also gives you a helpful starting credit limit of Rs.25,000 – Rs.100,000, depending on your financial situation and history. 

We’ve had a look at what the BOC Visa Classic card offers, and for your convenience, we’ve summarized the information and share it with you in this article. Read on to learn more about this credit card, and how you can apply for it. 

How to Apply for a BOC Visa Classic Card

BOC Visa Classic Card Features

The BOC Classic Visa card offers a variety of features. You can get supplementary cards for a lower limit and you could qualify for 0% interest installment plans for up to 24 months. You are allowed an interest-free credit period for up to 52 days. 

If you encounter any problems, its 24/7 customer service will always be available to assist. Its discount plans include many aspects of your life. You can enhance your lifestyle at furniture and electronic appliances outlets by paying with your BOC Visa Classic card. 

When you are traveling you get discounts at identified hotels, spas, and resorts. Even for buying your daily fresh products and groceries at specified outlets, you get discounts if paying with your card. 

Fitness centers and hospitals are also included in the benefit plans. If you want to buy a vehicle, easy installments can be arranged via your BOC Classic Visa card. BOC Classic Visa card also gives you a discount on online purchases with your card at selected online platforms.  

Benefits of the BOC Visa Classic Card 

One plus point for this card is the 0% interest installment plans available. This gives access to all outlets and ATMs accepting Visa cards.

You can only get a cash advance of 50% of your available limit once a month. Its income threshold for the eligibility test could disqualify you from applying.

How to Apply for the BOC Visa Classic Card 

To apply for a BOC Visa Classic card you have to be over 18 and have an income of Rs.15,000 or more. When you’re ready to apply for your BOC Visa Classic card you can download the application form, complete it, and take it to a branch near you. 

At the branch, you can get answers to all question you sill might have. The fastest way to apply is to apply online. The bank will require a certified copy of your national identity card or passport, documented proof of income or salary, and a utility bill to confirm your residential address. 

Interest Rates and Fees

The BOC Visa Classic Credit Card is a great option if you are looking for a new credit card that has lots of everyday benefits. Make sure to consider the rates and fees, which are listed below.

  • Interest rate: 18.00% per annum
  • Interest rate on cash advances: 18.00% per annum
  • Principal joining fee: Rs.1,000/-       
  • Supplementary joining fee: Rs.750/-
  • Principal annual fee: Rs.1,000/-            
  • Supplementary annual fee: Rs.500/-
  • Temporary limit enhancement fee: Rs.1,000/-
  • Limit enhancement fee: Rs.500/-
  • Card reactivation fee for blocked cards: Rs.1,000/-
  • Late payment fee: Rs.900/-
  • Over limit fee: Rs.600/-
  • Cash advance fee: 3.5%, or minimum of Rs. 300/-
  • Lost card replacement fee: Rs.500/-
  • PIN re-issue fee: Rs.250/-
  • Overseas courier charges: Rs.2,000/-

Contact Info

How to Apply for a BOC Visa Classic Card

BOC’s head office in Sri Lanka is located at No 1, BOC Square, Bank of Ceylon Mawatha, Colombo 01, Sri Lanka. The bank can also be reached by telephone on +94 11 2446790-811 if you want to speak to a bank official.


This card offers many discount benefits for a variety of purchases and services. If you are earning Rs. 15,000 or more, we recommend that you apply for this card. As it is a Visa card it can be used internationally.

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions before agreeing on anything.