HomeTravelBest Sri Lanka's Credit Card for Travel

Best Sri Lanka’s Credit Card for Travel

Discover the pinnacle of financial empowerment with the finest credit cards in Sri Lanka!

These coveted financial instruments seamlessly amalgamate unrivaled benefits, exceptional rewards, and unparalleled convenience, redefining your spending experience.

Best Sri Lanka's Credit Card for Travel

From exclusive access to premium lounges and cashback incentives to flexible payment options and secure transactions, these cards empower you to embrace a lifestyle of opulence and fiscal prudence.

Embrace the epitome of financial sophistication with the best credit cards in Sri Lanka today!

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Commercial Bank of Ceylon Plc
UnionPay Asia Prestige Platinum Card
Annual FeeJoining FeeIndicative Rate (P.A)
FreeLKR 6,500/-34%
Apply Online From Here

Features

  • Enjoy complimentary VIP airport lounge access up to six times per year for both primary and supplementary cardholders, as well as their companions.
  • Access your Credit Card details seamlessly through Online Banking and e-Passbook.
  • Take advantage of exclusive discount offers with selected merchants regularly, and benefit from convenient easy payment plans at reputable establishments.
  • Earn maximum Loyalty Reward Points, receiving 1 Reward point for every LKR 100/- spent using the UnionPay Asia Prestige Platinum Card.
  • Experience a minimum credit limit starting from Rs 750,000/- and above.
Cargills Bank Ltd
MASTERCARD ASCEND
Annual FeeJoining FeeIndicative Rate (P.A)
FreeFree34%
Apply Online From Here

Features

  • Experience seamless and convenient shopping with advanced Contactless Payment technology.
  • Enjoy enhanced security with EMV-compliant Chip and PIN technology.
  • Benefit from up to 55 days of credit period for added flexibility.
  • Unlock attractive discounts and offers all year round with Cargills Bank Credit Cards.
  • Access cash advances worldwide through the vast Mastercard ATM network.
Nations Trust Bank Plc
Platinum Amex Card
Annual FeeJoining FeeIndicative Rate (P.A)
FreeLKR 6,500/-34%
Apply Online From Here

Features

  • Experience a host of exclusive perks through the “Platinum Weekend” program, available at the end of each month.
  • Enjoy Membership Rewards and complimentary insurance coverage for added peace of mind.
  • Access Cash Advance and Overseas Extended Settlement Plans for greater financial flexibility.
  • Streamline your bill payments with automated transactions and the ad
  • ded protection of Wallet Guard.
  • Unlock a world of benefits with American Express Global Benefits.
Seylan Bank Plc
Seylan Visa Signature Credit Card
Annual FeeJoining FeeIndicative Rate (P.A)
LKR 6000LKR 2,750/-29%
Apply Online From Here

Features

  • Indulge in a world of incredible offers and benefits, including an enticing 50% discount on the joining fee, and the added perk of having the first-year annual fee waived off.
  • Embark on worry-free travels with 30 days of complimentary Travel Insurance when you book your return air ticket using your Seylan Visa Signature Credit Card.
  • Experience personalized assistance for all your travel, entertainment, and experiential needs, along with special services and seamless gift purchases through our dedicated toll-free contact number.
  • Explore the world with confidence, as our selected merchants offer exclusive hotel deals and attractive travel car hire offers across the globe.
  • Stay informed and in control with free SMS alerts on your Credit Card transactions, promptly delivered to your registered mobile number. Embrace the convenience and security of staying connected with your card activity at all times.
Hatton National Bank Plc
HNB Visa Signature Cards

Annual FeeJoining FeeIndicative Rate (P.A)
LKR 5,000/-Free29%
Apply Online From Here

Features

  • Experience the freedom of complimentary overseas travel and health insurance coverage for you and your family, ensuring peace of mind during your journeys.
  • Stay informed and in control of your finances with real-time SMS alerts on your phone, providing updates on card balances and purchases whenever you need them.
  • Benefit from hassle-free payment options, as our easy payment plans come with zero interest, making managing your expenses effortless.
  • Secure your family’s financial well-being by applying for a supplementary card, providing them with comfort and protection.
  • Access extra funds whenever required, with the flexibility to withdraw up to 75% of your credit card limit from any ATM. Enjoy greater financial flexibility wherever you go
National Development Bank Plc
NDB Platinum Credit Card
Annual FeeJoining FeeIndicative Rate (P.A)
LKR 5,000/-Free29%
Apply Online From Here

Features

  • Easily manage your high-value purchases by repaying them through equal monthly installments at attractive rates.
  • Enjoy a plethora of discounts and promotions throughout the year, while experiencing enhanced security for all your Credit and Debit Card transactions.
  • Book your return air tickets with your NDB credit card and receive a complimentary travel insurance cover, subject to terms and conditions.
  • Rest assured with the added protection of free insurance coverage, ensuring the cardholder’s outstanding balance is taken care of in the unfortunate event of death or permanent disability.
  • Experience seamless banking from the comfort of your home, office, or while on the move. Access your account and conduct all your transactions effortlessly through our user-friendly mobile app.
Bank of Ceylon
Visa Gold Card
Annual FeeJoining FeeIndicative Rate (P.A)
LKR 2,500/-LKR 1,500/-34%
Apply Online From Here

Features

  • Introducing our Emergency Hospitalization Limit Enhancement, providing you with the necessary financial support during critical times.
  • Share the benefits with your loved ones by getting supplementary cards for them or opt for a lower limit for added control.
  • Take advantage of our 0% Interest Installment plans, offering flexibility for up to 24 months. To apply, simply type “zero” and send an SMS to 076 700 2400.
  • Enjoy peace of mind with our Easy Settlement Plan, allowing you to spread payments comfortably over 24 months.
  • For added convenience, access 50% cash advances once a month, provided your balance allows it. Empowering you with financial freedom when you need it most.
National Development Bank Plc
National Development Bank Plc
Annual FeeJoining FeeIndicative Rate (P.A)
LKR 6,500/-LKR 2,500/-34%
Apply Online From Here

Features

  • Experience the convenience of repaying high-value purchases through equal monthly installments at favorable rates. Enjoy year-round discounts and promotions, making your shopping experiences even more rewarding.
  • Experience the convenience of repaying high-value purchases through equal monthly installments at favorable rates. Enjoy year-round discounts and promotions, making your shopping experiences even more rewarding.
  • Rest easy knowing that you and your loved ones are protected with free insurance coverage, ensuring outstanding card balances are taken care of in the event of death or permanent disability.
  • Benefit from enhanced security for all your Credit and Debit Card transactions, along with the added convenience of a free SMS alert facility to keep you informed of your card activity. Access your statements at your convenience for a clear overview of your finances.
  • Banking has never been easier with our online platform. Seamlessly handle all your transactions from the comfort of your home, office, or on the go by simply logging in to our user-friendly mobile app. Enjoy the freedom of managing your finances at your fingertips.
HSBC Bank
HSBC Premier MasterCard
Annual FeeJoining FeeIndicative Rate (P.A)
FreeFree34%
Apply Online From Here

Features

  • Indulge in a world of exclusive rewards and benefits through our home & Away Privilege Programme.
  • Earn enticing mileage benefits that add value to your journeys and experiences.
  • Enjoy year-round offers, ensuring that you are always treated to special deals and promotions.
  • Experience the unparalleled convenience of Mastercard’s global service, offering support wherever you go.
  • Access cash advance facilities locally and overseas, providing you with financial flexibility whenever you need it.
Pan Asia Banking Corporation Plc
Pan Asia Black
Annual FeeJoining FeeIndicative Rate (P.A)
LKR 3,500/-Free34%
Apply Online From Here

Features

  • Experience the benefit of no joining fee as we waive off this charge for all credit cards.
  • Enjoy the convenience of our cards being accepted at over 30 million merchant outlets worldwide, as well as at more than 3 million ATMs across the island and beyond.
  • Stay informed with free SMS alerts providing transaction details right on your mobile phone, ensuring you are always updated.
  • Unlock a world of fabulous offers and discounts from top-notch merchant outlets, making your shopping experiences even more delightful.
  • Take advantage of interest-free credit for up to a maximum of 51 days, allowing you to manage your finances efficiently.
People’s Bank
VISA Signature / MasterCard World
Annual FeeJoining FeeIndicative Rate (P.A)
FreeFree29%
Apply Online From Here

Features

  • Minimum Credit Limit: Rs. 600,000 with Free Joining and 1st-year annual fee waived.
  • Enjoy Great Deals & Offers all year round, along with Free Travel Insurance and Airport Lounge Key Access membership. Benefit from Instalment Payment Plans, Balance Transfer facility, and Supplementary cards for family members.
  • Conveniently repay credit card bills through the People’s Pay mobile banking App, Internet Banking, Cash Deposit Machines, Standing Order & Branch Networks.
  • Enjoy an interest-free credit period of up to 51 days for all purchases.
Sampath Bank Plc
Mastercard / Visa Classic Credit Cardrd World
Annual FeeJoining FeeIndicative Rate (P.A)
LKR 1,500/-LKR 1,000/-34%
Apply Online From Here

Features

  • The real value in unmatched deals. Global convenience for overseas purchases.
  • Access cash from 3.5 million ATMs worldwide.
  • Track transactions with free e-Statements and SMS alerts. Pay bills and check balances online.
  • Convenient monthly utility bill payments through Sampath Automated Bill Settlement.
DFCC Bank Plc
DFCC Visa Infinite
Annual FeeJoining FeeIndicative Rate (P.A)
LKR 7,000/-LKR 500/-29%
Apply Online From Here

Features

  • Quick Cash Advance: Get up to 75% of your credit limit with low-interest rates. Repay in installments over 60 months.
  • Balance Transfer: Consolidate outstanding balances from other cards at preferential rates.
  • Installment Plans: Convert purchases above LKR 10,000/- into 3 to 12-month installments with a nominal fee.
  • Interactive eStatements: Control your expenses with advanced features & graphical experience.
  • Automated Bill Settlement (ABS): Automate bill payments and spend time doing what you love.
Hatton National Bank Plc
HNB Visa & Master Card / Gold Card
Annual FeeJoining FeeIndicative Rate (P.A)
LKR 2,500/-Free29%
Apply Online From Here

Features

  • Special discounts at selected merchants.
  • Free overseas travel insurance on air ticket purchases.
  • Interest-free easy payment plans.
  • Cash withdrawals up to 50% of the credit card limit from any ATM.
Nations Trust Bank Plc
Sri Lankan Airlines Platinum Amex Cardrd
Annual FeeJoining FeeIndicative Rate (P.A)
LKR10,000Free34%
Apply Online From Here

Features

  • Welcome, offer 3,000 Bonus FlySmiLes miles.
  • Priority Check-in at Bandaranaike International Airport with Lounge Access and Excess Luggage allowance.
  • Free comprehensive travel insurance.
  • American Express Global Benefits.
  • 1 for 1 Companion Air Ticket.
Bank of Ceylon
Master Titanium Card
Annual FeeJoining FeeIndicative Rate (P.A)
LKR1,500LKR1,00034%
Apply Online From Here

Features

  • Facility to increase emergency hospitalization limit for supplementary cards, suitable for your loved ones or with a reduced limit.
  • Enjoy 0% Interest Installment plans for up to 24 months.
  • A convenient settlement plan is available for up to 24 months.
  • Get 50% cash advances once a month (subject to available balance).

Tips for Using Your Travel Credit Card Wisely

Set a Budget: Before embarking on your trip, set a budget to avoid overspending and accruing unnecessary debt.

Monitor Your Credit Limit: Keep track of your credit limit to avoid exceeding it and incurring over-limit fees.

Redeem Rewards Strategically: Plan your redemptions to get the most value out of your travel rewards.

Notify Your Bank: Inform your credit card provider about your travel plans to prevent any potential card blocks due to suspicious transactions.

Be Cautious with ATMs: Use ATMs from trusted banks to avoid high fees and potential skimming risks.


Lak
Lak
I Laksitha ,nature,history lover and blogger,
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