Shop and save this Christmas with Cargills Bank Credit Cards!
The Cargills Bank Credit Card is now a must-have for discerning customers. Cargills Bank is giving away the best deal in town with a 15% cashback on total purchases made at Cargills Food City till the end of December 2018. This offer has been available since August and is undoubtedly the best supermarket deal currently available. The Bank further offers a 20% discount at KFC and TGI Fridays, which is also a subsidiary of Cargills group. Cargills Bank Head of Private Banking, Cards and E Commerce - Ms. Mahesha Amarasuriya shared her views on Cargills Bank Credit Cards and its benefits to card holders. Q. How does this offer benefit the customer? Our offer is a 15% cashback on a customer›s total bill. We allow a maximum of purchases worth Rs. 50,000 every month. This is quite a substantial amount and it also means that a customer saves Rs. 7,500 per month. This is a means of encouraging saving among our customers. Q. What is the unique feature of this offer? Our specialty is that this offer is not restricted to any time of the year or any time of the day. If you would have seen some offers of other service providers, they are valid only at a particular time of the day, week or month. Some other offers are only for specific products like dairy or fresh produce. On the contrary the Cargills Bank Card offer is valid for any product, at any time and across any outlet in the country. Q. How does your offer help customer savings? We have consciously introduced this discount as a cashback offer is to inculcate the habit saving among our customers. When you receive an instant discount, you don’t feel the amount you have saved. But with our offer, at the end of the month there is a true sense of saving, when the amount you have saved gets credited to your account. This encourages people to open savings accounts in order to collect this cashback money. The likelihood that a customer will withdraw the amount they have received as a discount, is less. Therefore, our customers will genuinely be encouraged to save. That is why this is the best offer in the market. Q. What is the unique feature of Cargills Bank Credit Cards? In terms of a strategic point of view, what we are looking for the Cargills Credit Card is the creation of inclusivity. The Cargills Bank’s mission itself is to be the most inclusive bank harnessing the spirit of progress in every Sri Lankan and is our promise and the delivery of this promise is what we strive for. Every person in the country does not have a credit card. There is a wider section of the population which are not card holders. While we are looking at the people in suburbs who possess credit cards already, we are also looking at those who are not yet using credit cards or banking facilities. Bringing this segment onboard is part of our overall strategy in terms of creating inclusivity. Q How would you evaluate such customers for a credit card Unconventional evaluation method is needed to evaluate this base. By which I mean to say that there is a number of people who don’t have standard salary slips or bank statements. This is the segment for which we wish to consider different evaluation mechanism to support them into step into banking. Q. Tell us about your efforts to connect your cards with the Cargills group? We can’t be inclusive if we are not accessible. All our Cargills Food City outlets can cater to credit card payments, in addition to their deposits and withdrawals. This way, even if a person in a remote area has a credit card, they will always have an accessible and convenient location to settle their dues at. Q. What type of customers do you cater to and how can they access these cards? Our card range is from Gold, Titanium, and Platinum. We also have two exclusive cards namely the Imperium card for private banking customers as well as Ascend, the priority banking brand. True to our promise of Banking on the Human Spirit we cater to all consumer groups, by which we intend to promote the growth of every Sri Lankan. Q. What is the future focus of the Cargills Bank Credit Card? Our focus is to be the most soughtafter credit card in Sri Lanka. We are committed to giving the best deals in town. Additionally, within our group, we have always offered best deals for our customers. No other bank has given such an attractive, unrestricted and continuous offer. ‘Cargills’ is a brand that has been faithfully serving Sri Lankans for 174 years, built on a foundation of values and ethics. True to this heritage and the ethos of ‘Banking on the Human Spirit’, Cargills Bank is taking banking to the masses by being inclusive and accessible. The amazing Cargills Cash Savings Account is available at over 370 Cargills Food City outlets, allowing you to do grocery shopping and banking at the same place at your convenience. Cargills Bank’s Head Office is in Colpetty, with branches at Maitland Crescent, Maharagama, Old Moor Street, Wattala, Rajagiriya, Kandy, Peradeniya, Nuwaraeliya, Ratnapura, Thanamalwila, Matara, Galle, Kurunegala, Chilaw, Kaduruwela, Vavuniya, Chunnakam and Jaffna.