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Sri Lanka · DFCC

DFCC Lanka IOC Co-Branded Mastercard Titanium Credit Card

Mastercard · Titanium · Verified 2 days ago

Affinity · Lanka IOC
🧾 0% instalment plan

Overall ranking

Why this rank? · methodology
#26
rank
53.92
score / 100

What changed: score ▲ 0.24 since 1 day ago

  • offer strength33.45 → 35.283(+0.15 pts)
  • epp quality(+0.09 pts)

What drives this score

Every card runs through the same 12 factors. +X.XX / Y means this card scored X.XX of a possible Y for that factor. no data means we couldn't extract that field for this card — it scores 0 by default; an operator can fill it in.

  • Active offers strength35.28333333333333+3.37 / 15
  • Annual feeLKR 3,000+9.68 / 12
  • Purchase APR26%+12.00 / 12
  • Airport lounge accessno data+0.00 / 12
  • Dining cashback1%+8.00 / 8
  • Supermarket cashback1%+8.00 / 8
  • 0% installment plans (EPP)106+0.70 / 8
  • Interest-free period51 days+0.00 / 8
  • Foreign-transaction fee3.5%+4.67 / 7
  • Fuel cashback3%+4.00 / 4
  • Benefits depth3 listed+1.50 / 4
  • Contactless paymentsyes+2.00 / 2
Total53.92 / 100 (shown: 53.92)
Score history · 25 changesshow all 25
  1. 3 hr agoscore ▲ 0.24This card changed
    • offer strength33.45 → 35.283(+0.15 pts)
    • epp quality(+0.09 pts)
  2. 1 day agoscore ▲ 0.2This card changed
    • epp quality(+0.22 pts)
    • offer strength34.45 → 33.45(-0.02 pts)
  3. 2 days agoscore ▼ 0.38This card changed
    • epp quality(-0.23 pts)
    • offer strength35.067 → 34.45(-0.16 pts)

Fees

Annual feeLKR 3,000verified by editor
Joining feeLKR 500verified by editor
Supplementary card feeNot published
Late payment feeLKR 2,000
Over-limit feeLKR 1,500
Cash advance fee5%
Foreign currency markupNot published

Interest

Revolving APRNot published
Cash advance APRNot published

Eligibility

Minimum incomeLKR 100,000

Rewards

Reward rateNot published
Reward typeNot published

Offers you can use (68)

See all →
  • 40% & 30% Savings at Aitken Spence Hotels with DFCC Credit Cardsto Jun 12

    Aitken Spence Hotels

  • 25% Savings at H Sports (13th–14th June 2026)to Jun 14

    H Sports

  • 25% Savings at Hameedia Galle City Centre with DFCC Credit Cardsto Jun 14

    Hameedia

  • 20% Savings on Total Bill at SPAR Supermarketto Jun 21

    SPAR Sri Lanka

  • 25% Savings at Delifrance for bills above Rs. 2,500/-to Jun 25

    Delifrance

  • 25% Savings on dine-in at Baskin Robbinsto Jun 25

    Baskin Robbins

0% Instalment plans (18)

See all →

Split purchases into 0% easy payment plans of up to 48 months at 18 partner merchants& categories.

SolarAbansDamroDinapala GroupSinger Sri LankaSinghagiriSoftlogic MAXAminra Jewellers+10 more

Full details

Interest & rates

Purchase APR26%
Interest-free days51
Minimum payment5%

Rewards

Cashback (general)1
Cashback (local)1
Fuel surcharge1%

Perks

ConciergeNo
0% instalment planYes
Instalment planYes
Max instalment tenure (months)6
Min instalment amountRs. 25,000

Eligibility & card

Minimum incomeRs. 100,000
Minimum age18
Minimum credit limitRs. 100,000
Minimum credit limit100000
TierTitanium
NetworkMastercard
CurrencyLKR
Full fee schedule (33)
Annual feeRs. 3,000
Joining feeRs. 500
Supplementary annual feeRs. 2,500
Supplementary joining feeRs. 250
Late payment feeRs. 2,000
Over-limit feeRs. 1,500
Cash advance fee5%
Cash advance fee (min)Rs. 1,250
Foreign-transaction markup3.5%
DCC processing fee3.5%
Card replacementRs. 1,200
Card maintenanceRs. 300
Statement copyRs. 350
PIN replacementRs. 350
Early settlement4%
Early renewalRs. 1,200
Letter issuanceRs. 1,500
Card reactivationRs. 750
Re-courierRs. 250
Overseas courierRs. 4,000
Voucher retrievalRs. 250
Unsuccessful disputeRs. 1,000
Cheque returnRs. 3,000
Billing-cycle changeRs. 250
Standing-instruction failureRs. 250
Standing-instruction changeRs. 250
Cashback a/c changeRs. 250
Excess-payment reversalRs. 250
Pay orderRs. 200
ABS setupRs. 500
Upgrade/downgradeRs. 1,000
Limit updateRs. 1,200
Stamp dutyRs. 25/- for every Rs. 1,000/- or part thereof for credit card transactions performed at merchants based outside Sri Lanka (including online)

Other

Affinity partnerLanka IOC
Balance transfer availableYes
Cash advance minimumRs. 1,250
Cashback capRs. 1,500
ContactlessYes
Fuel surcharge waiver1%
Instalment plan tenure months min6
Is affinityYes
Source urlhttps://properties.dfcc.lk/dfccweb/uploads/4a91f69f-87c9-4c14-bd03-593fcf4f2a11/General-Credit-Card-Tariff-Leaflet-Feb-24-1.pdf
Sources1 source · 12 editor overrides

Cited quotes (36)

  • supports annual_fee_lkr

    “LIOC Mastercard Titanium ... Primary Cards - Annual Fee (Rs.) ... 3,000”

  • supports joining_fee_lkr

    “Primary Cards - Joining Fee (Rs.) ... 500”

  • supports supplementary_card_annual_fee_lkr

    “Supplementary Cards - Annual Fee (Rs.) ... 2,500”

  • supports supplementary_card_joining_fee_lkr

    “Supplementary Cards - Joining Fee ... 250”

  • supports interest_rate_apr_pct

    “Interest Rate (Per Annum) ... 26%”

  • supports cash_advance_fee_pct

    “Cash Advance Fee (Minimum Rs.1,250) ... 5%”

  • supports cash_advance_fee_min_lkr

    “Cash Advance Fee (Minimum Rs.1,250)”

  • supports late_payment_fee_lkr

    “Late Payment Fee (Rs.) ... 2,000”

  • supports over_limit_fee_lkr

    “Over Limit Fee (Rs.) ... 1,500”

  • supports foreign_transaction_fee_pct

    “an additional amount of 3.5% will be levied at the time of billing”

  • supports card_replacement_fee_lkr

    “Card Replacement Fee (Rs.) ... 1,200”

  • supports statement_copy_fee_lkr

    “Statement Copy (Rs.) ... 350”

  • supports interest_free_period_days

    “Maximum Interest Free Credit Period ... 51 Days”

  • supports minimum_payment_pct

    “Minimum (5%)”

  • supports fuel_surcharge_waiver_pct

    “Fuel Surcharge ... 1%”

  • supports cashback_rate

    “Earn a minimum 1% cashback on all other purchases.”

  • supports benefits[0]

    “Enjoy 3% cashback on all fuel purchases made at Lanka IOC fuel stations island-wide (maximum cashback for LIOC transactions per statement is Rs. 1,500).”

  • supports benefits[2]

    “6 months at 0% interest for vehicle insurance premiums (transactions between LKR 25,000 and LKR 250,000).”

  • supports benefits[3]

    “6 months at 0% interest for automobile-related transactions (e.g., tyres, spare parts, services) between LKR 25,000 and LKR 600,000.”

  • supports benefits[4]

    “Cardholders could opt for the Ceylinco-DFCC Ananthaya Insurance Scheme, offering protection in cases of serious illness, disability, or death to cover credit card dues”

  • supports minimum_income_lkr

    “Applicants must have a minimum monthly gross income of LKR 100,000 and a starting credit limit of LKR 100,000.”

  • supports minimum_age_years

    “Must be over 18 years of age and resident in Sri Lanka”

  • supports credit_limit_minimum_lkr

    “willing to accept a starting credit limit of Rs. 100,000/-”

  • supports card_name

    “DFCC-LANKA-IOC Mastercard Fuel Titanium Cashback Credit Card”

  • supports card_network

    “DFCC Lanka IOC Co-Branded Mastercard Titanium Credit Card”

  • supports is_affinity

    “DFCC Lanka IOC Co-Branded Mastercard Titanium Credit Card”

  • supports cashback_rate

    “The cardholder is also eligible for a 1% Cashback on transactions performed at other than Lanka IOC fuel stations (eg: Supermarkets, Utility payments, etc.). There will be no maximum Cashback payout applicable for these transactions.”

  • supports cashback_cap_lkr

    “maximum Cashback payout per card per statement cycle being Rs. 1,500”

  • supports minimum_credit_limit_lkr

    “willing to accept a starting credit limit of Rs. 100,000/-”

  • supports instalment_plan_interest_free

    “6 months at 0% interest for vehicle insurance premiums (transactions between LKR 25,000 and LKR 250,000).”

  • supports instalment_plan_min_amount_lkr

    “6 months at 0% interest for vehicle insurance premiums (transactions between LKR 25,000 and LKR 250,000).”

  • supports contactless

    “This feature allows for contactless payments. Simply tap your card to complete a transaction without swiping or inserting it.”

  • supports card_tier

    “DFCC-LANKA-IOC Mastercard Fuel Titanium Cashback Credit Card”

  • supports benefits[1]

    “The cardholder is also eligible for a 1% Cashback on transactions performed at other than Lanka IOC fuel stations (eg: Supermarkets, Utility payments, etc.). There will be no maximum Cashback payout applicable for these transactions.”

  • supports instalment_plan_tenure_months_min

    “6 months at 0% interest for vehicle insurance premiums (transactions between LKR 25,000 and LKR 250,000).”

  • supports instalment_plan_min_amount_lkr

    “transactions between LKR 25,000 and LKR 250,000”

Editor verification

backfill: card identified as affinity/co-brand (Trinity OBA, St Anthonys OBA, Lanka IOC co-brand)

by admin · 2026-06-03T03:28:47.164591

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