Cards
Compare Credit & Debit Cards in Sri Lanka
Credit and debit cards from Sri Lankan banks, ranked by what they cost you, with the cheapest cards first. 93 products listed today.
Credit cards
Borrow up to a limit and repay monthly — interest-free if you clear the full balance by the due date.
- Products
- 63
- Lowest fee
- Free
- Typical fee
- LKR 5,000
- 1. Ascend Credit CardCargills Bank Free
- 2. CDB Gold Credit cardCDB FinanceFree
- 3. CDB Platinum Credit cardCDB FinanceFree
- Annual fees are often waived for the first year or above a spend level
- Interest on unpaid balances is high; clear the balance when you can
- Match rewards (cashback, miles, offers) to where you actually spend
Debit cards
Spend straight from your account — no credit, no interest, accepted for shopping, online payments and ATMs.
- Products
- 30
- Lowest fee
- Free
- Typical fee
- LKR 600
- 1. Debit CardsLOLC Finance Free
- 2. Visa Debit CardPABC BankFree
- 3. CDB Visa Debit Card CDB FinanceLKR 400
- Compare joining and annual fees; several cards are free
- Check ATM and foreign-transaction charges if you travel
- Contactless and online-payment support vary by card
Work it out first
Frequently asked questions
Which credit card has no annual fee in Sri Lanka?
Several banks offer cards with no annual fee or a first-year waiver. The credit card panel above lists the lowest published annual fees and which cards carry them.
What is the difference between a credit card and a debit card?
A debit card spends money already in your account. A credit card lends you money up to a limit, which you repay — with interest if you don't clear the full statement balance.
What do I need to apply for a credit card?
Usually your NIC, proof of income (salary slips or bank statements), and proof of address; banks set a minimum monthly income for each card and check your CRIB record.
Do card offers depend on the card I hold?
Yes. Merchant discounts are tied to specific banks and card types — see the card offers pages for what each bank's cards get right now.