Looking for the best Credit Cards in Sri Lanka? We have compared 15 Credit Cards from top banks in Sri Lanka to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
Top 15 Credit Cards in Sri Lanka (2026)
1. ComBank MC Classic
Bank: Commercial Bank Ceylon
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Commercial Bank Classic Mastercard is internationally valid with Card-present and online transaction capability. Features Tap n Go NFC contactless payments, Max Loyalty Rewards program, and acceptance
2. ComBank Visa Gold
Bank: Commercial Bank Ceylon
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
Commercial Bank Visa Gold offers enhanced credit limits with international validity for in-store and online purchases. Features Tap n Go NFC contactless technology, Max Loyalty Rewards scheme, promoti
3. ComBank Visa Platinum
Bank: Commercial Bank Ceylon
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with airport lounge access, travel insurance, and highest rewards tier.
4. HNB MC Classic
Bank: HNB
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
HNB Mastercard Classic provides 25 to 55 days interest-free period, chip-embedded security for local and overseas use, free supplementary cards for family, year-round discount booklet at 100+ partner
5. HNB Visa Gold
Bank: HNB
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
HNB Visa Gold offers enhanced credit limits with 25 to 55 days interest-free period depending on purchase date. Features chip-embedded security, free supplementary cards, year-round discounts at luxur
6. HNB Visa Platinum
Bank: HNB
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with lounge access, comprehensive travel insurance, and HNB rewards.
7. NDB MC Classic
Bank: NDB Bank
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
NDB Mastercard Classic lets you earn points on every transaction redeemable at 180+ lifestyle partners for shopping, dining, and travel. Includes free insurance covering outstanding balance on death o
8. NDB Visa Gold
Bank: NDB Bank
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
NDB Visa Gold provides enhanced rewards and credit limits, earn points redeemable at 180+ lifestyle partners. Features EMI repayment at preferential rates, free insurance for outstanding balance cover
9. NDB Visa Platinum
Bank: NDB Bank
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
NDB Visa Platinum offers exclusive LoungeKey membership with access to 1265+ premium airport lounges worldwide. Earn and redeem points at 180+ partners, EMI facility at preferential rates, comprehensi
10. Sampath MC Classic
Bank: Sampath Bank
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Sampath Bank Mastercard Classic offers 21 to 51 days interest-free period based on transaction date, cash advances up to 50% of credit limit at Visa/Mastercard ATMs worldwide, and access to Sampath Ba
11. Sampath Visa Gold
Bank: Sampath Bank
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
Sampath Visa Gold provides higher credit limits with 21 to 51 days interest-free credit. Features enhanced rewards, cash advances at Visa ATMs worldwide, supplementary cards for family, and access to
12. Sampath Visa Platinum
Bank: Sampath Bank
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with lounge access, travel insurance, and Sampath Lifestyle rewards.
13. Seylan MC Classic
Bank: Seylan Bank
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Seylan Bank Mastercard Classic offers up to 51 days interest-free credit, SMS transaction alerts, attractive promotional discounts throughout the year, balance transfer options, and Paywave contactles
14. Seylan Visa Gold
Bank: Seylan Bank
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
Seylan Visa Gold provides up to 51 days interest-free credit with enhanced limits, SMS alerts on all transactions, Call and Convert installment plans, 0% interest-free installment schemes on select ca
15. Seylan Visa Platinum
Bank: Seylan Bank
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Seylan Visa Platinum offers premium benefits with up to 51 days interest-free credit, travel insurance on return air tickets, Call and Convert installment facility, 0% interest-free installments on se
How to Choose a Credit Card in Sri Lanka
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Regulation — all products listed are from banks regulated by CBSL
Frequently Asked Questions
What is the best Credit Card in Sri Lanka for 2026?
The best option depends on your needs and spending. Compare all 15 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in Sri Lanka now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in Sri Lanka?
Besides cards, popular payment methods include Bank cards, mobile banking.
Compare all Credit Cards in Sri Lanka →
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How We Compare Best Credit Cards in Sri Lanka 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in Sri Lanka. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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