Sri Lanka
How we rank credit cards
Rankings are computed by a fixed, published algorithm — no bank pays for placement, ever. The same code scores every card on the same attributes; the only inputs are the data we extract from each issuer, every figure traceable to its source.
Overall: algorithm cards-v2 · 74 cards ranked · last computed 2 hr ago. Each ranking below has its own published weights.
Each ranking has its own published weights — the same card can top one and sit mid-table in another.
🏆 Overall
Balanced view across fees, rates, rewards, lounge access · cards-v2 · 74 ranked
🛒 Supermarket
Best cashback + lowest cost on supermarket spend · cards-supermarket-v1 · 75 ranked
💰 Cashback
Best overall cashback across everyday spend · cards-cashback-v1 · 75 ranked
🍽️ Dining
Best cashback + dining benefits · cards-dining-v1 · 75 ranked
🧾 Instalments
Best 0% instalment plans — tenure depth + merchant reach · cards-installments-v1 · 59 ranked
💸 Low Fee
Minimum-cost-to-hold cards (annual fees, supplementary) · cards-low-fee-v1 · 74 ranked
✈️ Travel
Lowest FX markup + lounge access for travellers · cards-travel-v1 · 75 ranked
How each attribute is scored
- Numeric attributes (fees, rates, interest-free days) are normalised across the live cohort, winsorised at the 5th/95th percentile so one outlier doesn't flatten the scale. Lower-is-better attributes are inverted.
- Lounge access is tiered: none → 0, 1–3 visits/yr → half, 4+ → full.
- Cashback uses the card's per-category rate where it differs (e.g. a fuel co-brand's 3% at fuel), otherwise its general rate.
- Offer strength counts your card's currently-active merchant offers, weighted by value; EPP quality rewards longer 0% instalment tenures and more instalment merchants — both normalised across the cohort.
- Contactless scores 0 or 1.
When a card isn't ranked
A card is shown but not scoredwhen a core figure — its annual fee or purchase APR — is missing, or it's discontinued. It never silently disappears; it stays in the list with the reason shown.
Versioning
Each ranking is independently versioned (e.g. cards-v2for Overall). Any change to a ranking's weights, scoring, or eligibility bumps its version and is recorded here — so a movement on a card's chart is unambiguous: the methodology changed, or the card did.