More Than a Card : HNB Introduces ‘The Happiness Card’ for a New Way of Living

HNB PLC, Sri Lanka’s leading private sector bank, has rolled out its Happiness Cards campaign, bringing together a new positioning and way of living with seasonal savings, flexible payment options, and lifestyle benefits through a card proposition built around what matters most to cardholders during the season.

Across shopping, travel, dining, household purchases, and festive spending, the campaign represents a stronger effort to position HNB Cards as a more relevant part of the plans, priorities, and experiences people look forward to.

At the centre of this direction is a simple idea, that the things people value should feel more within reach. Framed around HNB Cards as “Happiness Cards,” the proposition aims to connect the cards more closely with the role they play in helping cardholders access important purchases, shared experiences, and seasonal moments with greater ease and flexibility.

HNB Vice President, Marketing and Corporate Communications, Upul Adikari said:

“At HNB, our brand is built not just through communication but through the everyday moments where we enable our customers to live life to the fullest fulfilling their ambitions, dreams and life goals.

This philosophy has shaped the evolution of HNB Credit Cards into what we now proudly call ‘The Happiness Card’. Because today, a card should be more than a financial tool it should be an enabler of experiences, a bridge to what truly matters and a partner in the moments people look forward to.

‘The Happiness Card’ reflects our belief that happiness should not be postponed.

It places spending power and flexibility directly in the hands of our customers, giving them the freedom to access their own version of happiness, when and how they choose.

Just like our master brand promises to make banking more enjoyable, HNB Cards are designed to make life more rewarding,turning everyday purchases into meaningful experiences, and ensuring that your happiness is always within reach.”

HNB Vice President, Cards, Gauthami Niranjan said:

“Avurudu is a time when spending naturally shifts, and we’ve shaped this year’s offering around that.

That includes festive shopping, household needs, travel, dining, and larger planned purchases.

Our focus has been to bring all of that together in a way that gives cardholders useful savings, flexible repayment options, and a wider range of benefits across the categories that matter most during this period.”

According to Gauthami Niranjan, this year’s Avurudu Happiness Cards offering has been designed to reflect the seasonal shift in spending.

She explained that it covers festive shopping, household needs, travel, dining, and larger planned purchases, while providing cardholders with savings of up to 70%, 0% interest instalment plans, and a broad range of privileges for both credit and debit cards.

She also highlighted that the program spans over 300 merchant partners and supports both every day and aspirational purchases, delivering benefits across the categories that matter most during the festive season.

The campaign spans supermarkets, fashion, electronics, home appliances, white goods, dining, travel and leisure, wellness, and solar energy solutions.

Through its merchant network, HNB is extending offers on clothing, footwear, accessories, electronics, personal care, fitness products, home appliances, and festive essentials.

Flexible repayment remains a key part of the campaign.

HNB cardholders can access 0 percent interest instalment plans of up to 48 months at selected retailers.

In addition, repayment tenors of 3, 6, 12, 24, and 36 months are available across multiple categories, particularly for electronics, home appliances, and white goods, making higher-value purchases more manageable over time.

Adding a major seasonal reward, HNB is also offering HNB Visa Club Infinite Credit Card holders the opportunity to stand a chance of winning a fully paid three-day tour for two to New York, New Jersey, USA, to experience the FIFA World Cup Finals 2026.

Through this year’s Avurudu campaign, HNB Cards continues to build its place in the lives of cardholders not only through seasonal offers, but through a proposition shaped around access, flexibility, and the things people value most.