LankaClear (Private) Limited (LankaClear and JCB International Co., Ltd. (JCBI), have entered into a strategic partnership for the establishment of the National Card Scheme (NCS) under the direction and supervision of the Central Bank of Sri Lanka.

Under the NCS program, domestic banks and financial institutions can choose to issue LankaPay-JCB co-branded debit cards. LankaPay-JCB co-branded cards will be accepted across LankaPay payment network (ATM and POSs) locally and across JCB international network globally, especially providing a lower cost card acceptance in the Asian countries.

In addition, the strategic partnership would also facilitate the acceptance of international JCB and partner network cards at ATMs and merchants who are on LankaPay network.

JCB has entered into a strategic partnership with our neighbour, India and has commenced issuing co-brand RuPay JCB cards in India. Hence, both Sri Lankan co branded card holders touring India and Indian co-branded card holders touring Sri Lanka will be benefitted by this added convenience of using their debit and credit cards securely cross-border

Why LankaPay-JCB Co-branded Payment Card?

  • Lower transaction cost to cardholders
  • Lower Merchant Discount Rates (MDR) for merchants
  • Lower fee structures for card issuing banks and financial institutions
  • Contact and Contactless EMV chip cards backed by world class Japanese technology and processes
  • Multi-purpose payment card which can also be used as a transport card.
  • A national initiative, implemented under the supervision of the Central Bank to cater for domestic requirements with lower fees and charges. Hence banks can develop electronic card product options to cater for under-banked and unbanked population of Sri Lanka
  • Help save valuable foreign exchange paid to International Payment Card scheme

Advantages of LankaPay-JCB Co-branded Card

LankaPay-JCB co-branded payment cards will provide following benefits to card issuing institutions, in turn such benefits passed on to the respective card holders, the public:

  • Lower cost
  • Affordability
  • Provide electronic product options to underbanked and unbanked customers

Advantages to general public when using a card issued under NCS

  • ATM withdrawal fee reduced to Rs. 15 (Non NCS card it is Rs. 30)

Features of the LankaPay/JCB Co-branded Card

  • Contact and Contactless card
  • Complimentary Lounge Access Program – International
  • Can also be used as a transit card as transit payment facilities are rolled out.

Current memberships

  • RDB Bank
  • Siyapatha Finance PLC
  • MCB Bank
  • HDFC Bank

Sri Lanka Transit Card

A payment card, that provides the customer the convenience of using it as a ATM / Debit card and a Stored Value / Pre-Paid card. A holder of this card does not need to carry cash or multiple payment cards, but a single card facilitates multiple form factors to cater for all the customer needs.
This special payment card allows you to access your designated primary savings/current account, and there is a separate component of the card where you have the freedom to top-up and use whenever you wish to. The transactions are processed in no time without depending on the telecommunication or network connectivity while providing the card holder the real “Tap and Go” experience. The card powered by this unique capability is known as the “2in1” card..
The Central Bank of Sri Lanka has entrusted LankaClear (Pvt) Limited to implement the Sri Lanka Transit Card and the Central Bank of Sri Lanka also has recognized the National Card Scheme (NCS) to drive the card base of Sri Lanka Transit Card Program.


  • Provide a common framework for interoperability between multiple Issuers and Acquirers.
  • Standardize the transportation industry payment mechanisms leading to greater efficiency and transparency.
  • Enhance the customer travel experience by seamlessly integrating popular transportation modes.
  • Contribute to the national objective of a less-cash society.
  • Welfare of the transportation industry and working community.

Benefits to the commuter

  • No need to carry cash.
  • No hassle of meddling with change money. (Fare can be paid up to the exact amount)
  • Top-up whenever you need and use.
  • Tap and go option for all the modes of transport. A quick and convenient payment option.
  • Single card to withdraw money from an ATM, do shopping purchases and use it in a bus or a train to buy tickets.
  • This is an international card. Therefore, the card can be used outside Sri Lanka as well over JCB acceptance enabled POS Terminals and ATMs


The four-party agreement for the implementation of SLTC was signed amongst Sri Lanka Transport Board (SLTB), National Transport Commission (NTC), People’s Bank and LankaClear Ltd. at the Ministry of Transport on 22 April under the distinguished patronage of Minister of Transport Gamini Lokuge, State Minister – Vehicle Regulation, Bus Transport Services.

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