Short answer: There isn’t a single definitive credit card that always has “the most” offers — several Sri Lankan banks run very large, changing merchant-offer programmes. Recent examples show HNB, Sampath Bank, People’s Bank and Commercial Bank running the biggest offer networks (HNB’s Avurudu campaign alone cited 300+ merchant partners; Sampath and People’s seasonal SampathCards and People’s Bank public pages also advertise extensive, year‑round partner offers). (dailynews.lk)

Why there’s no single winner

• Banks run rotating campaigns (Avurudu, year‑end, back‑to‑school, etc.) so the number of active offers changes by date and campaign. (dailynews.lk)
• Different cards target different categories (travel, lifestyle, groceries), so “most offers” can depend on the category you care about (dining vs travel vs retail). (hnb.net)
• Aggregators and merchant pages list many bank‑specific promotions, but there’s no single public ledger counting every live offer across all banks. (See bank promotion pages and local deal sites.) (Findit.lk)

Quick practical recommendation

• If you want the absolute current leader (by count) I can check live counts for the major card issuers (HNB, Sampath, Commercial Bank, People’s Bank, DFCC, NDB, Nations Trust, Seylan) and return which currently lists the most active merchant offers. Tell me whether you want:
  • a) total number of active offers per bank/card, or
  • b) best card for a category (groceries, travel, dining, instalments).

If you want me to look this up now I’ll fetch the latest offer pages and give a ranked list with sources.