Credit Cards Sri Lanka 2026
15+ cards Β· 7 banks Β· Visa, Mastercard & Amex Β· Classic to Premium
βΉοΈ Fees and rates shown for reference only. Verify with each bank before applying. Updated April 2026.
All Cards
Classic
Gold
Platinum
Premium
No Annual Fee
π Classic Cards β Entry Level
Classic Credit Cards
Best for first-time cardholders. Easy approval, essential benefits. Min salary Rs. 25,000β50,000.
CLASSIC
SampathMastercard
Sampath Mastercard Classic
Sampath Mastercard Classic
Sampath Bank PLC
Annual Fee
Rs. 2,000
Interest Rate
28% p.a.
Interest-Free
21β51 days
Cash Advance
50% of limit
Shopping DiscountsDigital WalletContactless
Entry-level card with Real Value Deals discounts. Cash advances at Visa/Mastercard ATMs worldwide. Supplementary cards for family members.
Visit Sampath β
CLASSIC
BOCVisa
BOC Visa Classic
BOC Visa Classic
Bank of Ceylon
Annual Fee
Free (1st yr)
Interest Rate
28% p.a.
Interest-Free
22β52 days
0% Instalments
Up to 24 months
First Year Free0% InstalmentGovt. Benefits
First year annual fee waived for state sector employees. 0% instalment plans up to 24 months on hospitals, education, solar and airlines.
Visit BOC β
CLASSIC
SeylanMastercard
Seylan Freedom Card
Seylan Freedom Card
Seylan Bank PLC
Annual Fee
Rs. 0 β FREE
Interest Rate
28% p.a.
Interest-Free
Up to 51 days
Min. Spend
Rs. 10,000/mo
No Annual Fee0% InstalmentsBalance Transfer
Sri Lanka’s only zero-fee credit card. Spend Rs. 10,000/month to keep fee-free. NFC contactless. 0% instalment on select categories.
Visit Seylan β
CLASSIC
HNBMastercard
HNB Mastercard Classic
HNB Mastercard Classic
Hatton National Bank PLC
Annual Fee
Rs. 2,000
Interest Rate
28% p.a.
Interest-Free
25β55 days
Supp. Cards
Free
100+ DiscountsFree Supp. CardNFC
Year-round discount booklet at 100+ partner merchants. Free supplementary cards. Chip-embedded security for local and overseas use.
Visit HNB β
CLASSIC
NDBMastercard
NDB Mastercard Classic
NDB Mastercard Classic
National Development Bank PLC
Annual Fee
Rs. 2,000
Interest Rate
28% p.a.
Interest-Free
Up to 51 days
Rewards
180+ Partners
Points Every PurchaseLife InsuranceEMI Plans
Earn points redeemable at 180+ lifestyle partners. Free insurance covering outstanding balance on death. EMI plans at preferential rates.
Visit NDB β
π₯ Gold Cards β Mid Tier
Gold Credit Cards
Higher credit limits, enhanced rewards and lounge access. Min salary Rs. 75,000β100,000.
GOLD
SampathVisa
Sampath Visa Gold
Sampath Visa Gold
Sampath Bank PLC
Annual Fee
Rs. 4,500
Interest Rate
28% p.a.
Interest-Free
21β51 days
Cash Advance
50% of limit
Lounge AccessTravel BenefitsEnhanced Rewards
Higher credit limits. Enhanced Sampath Lifestyle Rewards. Cash advances at Visa ATMs worldwide. Preferred rates on instalment plans.
Visit Sampath β
GOLD
HNBVisa
HNB Visa Gold
HNB Visa Gold
Hatton National Bank PLC
Annual Fee
Rs. 4,500
Interest Rate
28% p.a.
Interest-Free
25β55 days
Cash Advance
50% of limit
Lounge AccessTravel InsuranceLuxury Discounts
Airport lounge access. Year-round discounts at luxury merchants. Enhanced credit limits. Free supplementary cards for family.
Visit HNB β
GOLD
SeylanVisa
Seylan Visa Gold
Seylan Visa Gold
Seylan Bank PLC
Annual Fee
Rs. 5,000
Interest Rate
28% p.a.
Interest-Free
Up to 51 days
Min. Income
Rs. 150,000/mo
Travel Insurance0% InstalmentsBalance Transfer
Travel insurance on return air ticket purchase. Seylan Express Cash. Balance transfer from other banks. Paywave NFC contactless.
Visit Seylan β
π Platinum Cards β Premium Tier
Platinum Credit Cards
Premium lounge access, travel insurance, concierge. Min salary Rs. 150,000β250,000.
PLATINUM
SampathVisa
Sampath Visa Platinum
Sampath Visa Platinum
Sampath Bank PLC
Annual Fee
Rs. 8,000
Interest Rate
28% p.a.
Interest-Free
21β51 days
Cash Advance
75% of limit
Airport LoungeTravel InsuranceConcierge
Comprehensive travel insurance. Airport lounge access. 75% cash advance limit. Premium Sampath Lifestyle Rewards. Dedicated concierge service.
Visit Sampath β
PLATINUM
HNBVisa
HNB Visa Platinum
HNB Visa Platinum
Hatton National Bank PLC
Annual Fee
Rs. 8,000
Interest Rate
28% p.a.
Interest-Free
25β55 days
Cash Advance
75% of limit
Airport LoungeTravel InsuranceHNB Rewards
Worldwide travel insurance. Airport lounge access. 75% cash advance limit. Premium discount booklet at luxury establishments.
Visit HNB β
PLATINUM
NDBVisa
NDB Visa Platinum
NDB Visa Platinum
National Development Bank PLC
Annual Fee
Rs. 8,000
Interest Rate
28% p.a.
Interest-Free
Up to 51 days
Lounge Access
LoungeKey 1,265+
LoungeKeyTravel Insurance180+ Partners
LoungeKey access to 1,265+ airport lounges worldwide. Points at 180+ lifestyle partners. Comprehensive travel insurance.
Visit NDB β
β Premium & Signature
Premium, Signature & Amex Cards
Exclusive privileges, high credit limits, global concierge. Min salary Rs. 250,000+.
PREMIUM
BOCVisa
BOC Prestige Card
BOC Prestige Card
Bank of Ceylon
Annual Fee
Waived (eligible)
Interest Rate
24β26% p.a.
Interest-Free
22β52 days
Travel Insurance
USD 250,000
USD 250K InsurancePrestige PrivilegesHigh Limit
For HNW customers and Prestige Plus account holders. Free travel insurance up to USD 250,000 for card limits Rs. 250,000+.
Visit BOC β
PREMIUM
HNBVisa
HNB Visa Signature
HNB Visa Signature
Hatton National Bank PLC
Annual Fee
Rs. 15,000
Interest Rate
24β26% p.a.
Interest-Free
25β55 days
Cash Advance
75% of limit
Global LoungeTravel Insurance24/7 Concierge
Premium Visa Signature with global privileges. 24/7 concierge. Worldwide travel insurance. Waived first year for HNB Leasing customers.
Visit HNB β
PREMIUM
NTBAmex
NTB American Express Platinum
NTB American Express Platinum
Nations Trust Bank β Sole Amex Issuer in Sri Lanka
Annual Fee
Rs. 20,000+
Interest Rate
24β26% p.a.
Interest-Free
Up to 51 days
Lounge Visits
4 free per year
Priority Pass1,300+ LoungesAmex RewardsGlobal Assist
Sri Lanka’s only American Express issuer. Priority Pass β 1,300+ airport lounges worldwide. Exclusive Membership Rewards program.
Visit NTB β
π All Cards at a Glance
Credit Card Comparison Table β Sri Lanka 2026
| Card | Bank | Annual Fee | Interest Rate | Interest-Free | Apply |
|---|---|---|---|---|---|
| Mastercard Classic | Sampath | Rs. 2,000 | 28% | 21β51 days | Apply β |
| Visa Classic | BOC | Free (1st yr) | 28% | 22β52 days | Apply β |
| Freedom Card | Seylan | Rs. 0 FREE | 28% | Up to 51 days | Apply β |
| Mastercard Classic | HNB | Rs. 2,000 | 28% | 25β55 days | Apply β |
| Mastercard Classic | NDB | Rs. 2,000 | 28% | Up to 51 days | Apply β |
| Visa Gold | Sampath | Rs. 4,500 | 28% | 21β51 days | Apply β |
| Visa Gold | HNB | Rs. 4,500 | 28% | 25β55 days | Apply β |
| Visa Gold | Seylan | Rs. 5,000 | 28% | Up to 51 days | Apply β |
| Visa Platinum | Sampath | Rs. 8,000 | 28% | 21β51 days | Apply β |
| Visa Platinum | HNB | Rs. 8,000 | 28% | 25β55 days | Apply β |
| Visa Platinum | NDB | Rs. 8,000 | 28% | Up to 51 days | Apply β |
| BOC Prestige | BOC | Waived | 24β26% | 22β52 days | Apply β |
| Visa Signature | HNB | Rs. 15,000 | 24β26% | 25β55 days | Apply β |
| Amex Platinum | NTB | Rs. 20,000+ | 24β26% | Up to 51 days | Apply β |
β FAQ
Credit Card FAQs
Which Sri Lankan credit card has no annual fee?
The Seylan Mastercard Freedom is the only zero-annual-fee credit card in Sri Lanka. You need to spend at least Rs. 10,000 per month to maintain the fee-free status. BOC Visa Classic is free for the first year for state sector employees.
What is the interest rate on credit cards in Sri Lanka?
Classic, Gold and Platinum cards charge 28% per annum on unpaid balances. Premium and Signature cards (BOC Prestige, HNB Signature, NTB Amex) charge 24β26% p.a. Always pay your full balance each month to avoid interest charges completely.
Which credit card is best for airport lounge access?
NTB American Express Platinum offers Priority Pass access to 1,300+ lounges worldwide with 4 free visits per year. NDB Visa Platinum offers LoungeKey access to 1,265+ lounges. Both require a minimum income of around Rs. 250,000 per month.
Can I get a 0% instalment plan with a credit card in Sri Lanka?
Yes. BOC credit cards offer 0% instalments for up to 24 months on hospitals, education, airlines, solar and home appliances β the widest 0% coverage in Sri Lanka. Seylan and HNB also offer 0% instalment schemes on selected categories.
Information purposes only. Credit card fees, rates and eligibility shown are based on publicly available information as of April 2026 and may change. Always verify current terms with the issuing bank. Pay your full balance each month β interest rates on unpaid balances are 24β28% per annum.