sampath is a better card, Why? because they dont put a few cents for non payment as late fees, and when you ask them to remove your interest if not paid within a couple of days they still do, AMEX is OK, but not good enough, HSbC has good offers but still not good enough dont make me talk about standard chartered
don't ever apply to AMX and standard charted credit cards. Unfortunately if something gone wrong to your income and you couldn’t pay on time you will be dead.
They call you every day, scream at you. They come to your home, they will put charges like late payments, over limit, report to CRIB and etc..
I thinks worst 2 credit card companies in Sri Lanka for sure. So please don’t apply. If someone one you know apply give this advice to them and try to safe guard them.