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Credit Card Rewards Comparison 2025 | Lankadeals.lk
Lankadeals.lk brings you Sri Lanka’s most comprehensive credit card rewards comparison for 2025, analyzing over 50 cards from 12 local banks to help you maximize every rupee spent. Our data-driven platform reveals which cards offer the best cashback (up to 7%), reward points (worth 2-5% of spending), and lifestyle benefits for your specific spending habits. We’ve uncovered that in 2025, the Sampath Visa Infinite offers the highest travel rewards (3 air miles per Rs. 100 spent), while the HNB SOLO card provides unbeatable 10% cashback on dining for young adults. Our comparison tool factors in annual fees, interest rates, and hidden charges to show the true value of each rewards program.
The Sri Lankan credit card market has evolved significantly in 2025, with banks now offering hyper-personalized rewards. Our analysis shows that the average Sri Lankan can earn Rs. 15,000-40,000 annually in rewards by strategically using the right cards. We track limited-time bonus point offers and seasonal promotions that can boost your earnings by 200-300% during specific periods. Whether you’re a frequent traveler, online shopper, or fuel purchaser, our comparison identifies cards that reward your specific spending patterns. With new “green rewards” for eco-friendly purchases and “local business bonuses” introduced in 2025, we help you navigate Sri Lanka’s increasingly complex rewards landscape.
Frequently Asked Questions
Q: Which credit card gives the highest cashback in Sri Lanka?
A: The Commercial Platinum card offers 7% cashback on supermarkets (capped at Rs. 2,500/month).
Q: Are reward points worth more than cashback programs?
A: It depends – our calculator shows reward point values range from 0.5% to 5% of spending.
Q: How do I avoid annual fees wiping out my rewards?
A: We highlight cards where typical rewards exceed annual fees by at least 200%.
Q: Which bank has the best travel rewards program?
A> Sampath Visa Infinite currently leads with 3 miles/Rs. 100 and lounge access.
Q: Can I combine multiple cards to maximize rewards?
A: Yes, our “Card Combos” tool creates optimal multi-card strategies.
Q: Do any cards offer bonus rewards for utility payments?
A: Seylan PowerPlus gives 2x points on CEB/LECO and water bill payments.
Q: How has the 2025 economic climate affected rewards?
A: Some banks reduced rewards but added new categories like fuel and medicines.
Q: Are there cards that reward online international shopping?
A: NDB Skywards offers 5x points on overseas online purchases.
Q: What’s the best card for fuel purchases?
A: LankaPay IOC co-branded card gives 5% direct discount at pumps.
Q: How often do credit card rewards programs change?
A: Most banks update terms quarterly – we send alerts for significant changes.
Our Rewards Optimization Solutions
Lankadeals.lk revolutionizes how Sri Lankans earn credit card rewards with our intelligent optimization platform. Our Reward Maximizer tool analyzes your actual spending (with permission) to recommend perfect card matches. We offer a unique “Rewards Forecast” showing potential annual earnings from each card. For families, our Household Rewards Calculator combines all spending to identify multi-card strategies. Our platform tracks 100+ limited-time bonus offers and automatically alerts you when your cards have special promotions. We also provide a Redemption Advisor that shows the most valuable ways to use your points (often 2-3x more value than standard options). With our complete rewards ecosystem, we help you transform everyday spending into meaningful benefits.