Looking for the best credit cards with the lowest fees, best rewards, and exclusive benefits in Sri Lanka? We've analyzed 5 Credit Cards from top banks operating in Sri Lanka to help you find the perfect match for your needs.
Whether you're an expat, a local resident, or a business professional, this guide covers everything from annual fees and interest rates to rewards programs and eligibility requirements. All data is sourced directly from bank product listings and updated regularly.
Top 5 Credit Cards in Sri Lanka (2026)
1. ComBank Visa Platinum
Bank: Commercial Bank Ceylon
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 2.25% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection, Travel Benefits
Premium card with airport lounge access, travel insurance, and highest rewards tier.
2. ComBank Visa Gold
Bank: Commercial Bank Ceylon
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 2.25% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection, Travel Benefits
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 MC Classic
Bank: Commercial Bank Ceylon
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 2.25% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection
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...
4. HNB Visa Platinum
Bank: HNB
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 2.25% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection, Travel Benefits
Premium card with lounge access, comprehensive travel insurance, and HNB rewards.
5. HNB Visa Gold
Bank: HNB
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 2.25% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection, Travel Benefits
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...
How to Choose the Right Card
When comparing Credit Cards in Sri Lanka, consider these factors:
- Annual Fee: Some cards offer zero annual fees, while premium cards with lounge access and travel insurance may charge higher fees but offer greater value.
- Minimum Salary: Each bank has different eligibility requirements. Cards with lower salary requirements are easier to qualify for.
- Rewards & Cashback: Look for cards that match your spending habits — dining, travel, shopping, or fuel.
- Interest Rate: If you plan to carry a balance, compare the monthly interest rates carefully.
Compare All Credit Cards in Sri Lanka
Want to see all available options? Compare all Credit Cards in Sri Lanka →
Last updated: April 2026. All information is for comparison purposes only. Please verify details directly with the bank before applying.
Sign in with Google to join
