I'm using both. Installment plan yaddi, sampth can use for 30months(they have another card which supports upto 60 months at softlogic. Can't remember name) installment. But hsbc support upto 24 months.
Uda yaluwek kewa wedehata eyalage 10% cash back theyenawa( it will use to settle next installment of cc). But mama danna edehata platinam card ekata thama.
Mata mathaka wedehata, hsbc annual tikak wadi, sampath classic ekath ekka. Cash Advanced gaththoth 4% charge wenawa, hsbc eken. Sampath nam mathaka naha. Oyata credit card handle karanna puluwannam, dekama ganna. Hodai.