Short answer: there’s no one “best” cashback card for everyone — but for most people in Sri Lanka the top picks are:

• DFCC Bank cashback cards — best simple, guaranteed flat cashback (advertised 1% on most spends). Good if you want consistent, automatic cashback on every purchase. (advice.lk)

• Sampath Bank (especially their Amex/Everyday‑style products and seasonal promos) — often offers very high cashback rates in specific categories (supermarkets, telco/utilities, ride/delivery apps) during promotions, so they can beat a flat rate if your spending matches those categories. (advice.lk)

• Co‑branded fuel cards (e.g., Lanka IOC/DFCC LIOC co‑brand) — best for drivers: higher cashback or fuel discounts at partner pumps. (lankatalks.com)

• Smaller banks / periodic promos (Union Bank, others) and payment apps (Mintpay) — can give very attractive short‑term cashback deals (e.g., 7% day promotions, instant partner cashback), but these are often time‑limited and capped. Use these to supplement a core cashback card. (unionb.com)

How to pick the best card for you

• If you want low fuss and steady returns: pick a card with a guaranteed flat cashback (e.g., DFCC’s cashback card). (advice.lk)
• If most of your spending falls into a few categories (fuel, groceries, bills, delivery): pick a card or Amex product that gives elevated cashback in those categories (Sampath and co‑brand promos often win here). (advice.lk)
• If you chase deals: keep one reliable cashback card plus watch bank/app promotions (Mintpay, Union Bank, merchant campaigns) to stack extra savings. (Mintpay.lk)

Important notes (read before applying)

• Cashback rates, caps, and promo periods change frequently — always check the card’s current terms, monthly/annual caps, minimum spends, exclusions (cash advances, fees) and how/when cashback is credited. If you want, I can check the latest live offers and caps for specific banks right now. (uat-dfccweb.dfcc.lk)

If you’d like, tell me which bank(s) you already have or your top spending categories (fuel, groceries, online, travel) and I’ll pick the 1–2 best current options and summarize their exact cashback rates and caps.