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Sri Lanka Β· DFCC

DFCC Visa Platinum Card

Visa Β· Platinum Β· Verified 2 days ago

πŸ’΅ Loan-on-card up to 75% of limit
#23
rank
54.02
score / 100

What changed: score β–² 0.22 since 1 day ago

  • offer strength56.117 β†’ 57.95(+0.14 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 β€” it scores 0 by default; an operator can fill it in.

  • Active offers strength57.95000000000001+5.54 / 15
  • Annual feeLKR 3,500+8.67 / 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 cashback1%+1.45 / 4
  • Benefits depth6 listed+3.00 / 4
  • Contactless paymentsyes+2.00 / 2
Total54.03 / 100 (shown: 54.02)
Score history Β· 24 changesshow all 24
  1. 3 hr agoscore β–² 0.22This card changed
    • offer strength56.117 β†’ 57.95(+0.14 pts)
    • epp quality(+0.09 pts)
  2. 1 day agoscore β–² 0.12This card changed
    • epp quality(+0.22 pts)
    • offer strength57.117 β†’ 56.117(-0.1 pts)
  3. 2 days agoscore β–Ό 0.31This card changed
    • epp quality(-0.23 pts)
    • offer strength57.733 β†’ 57.117(-0.09 pts)

Fees

Annual feeLKR 3,500
Joining feeLKR 500
Supplementary card feeNot published
Late payment feeLKR 1,900
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 β†’
  • 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 β†’

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 %1%
Cashback min spendRs. 1,000
Rewards rate1%
Fuel surcharge1%

Perks

ConciergeNo
Loan-on-card (max % of limit)75
0% instalment planNo
Instalment planYes
Max instalment tenure (months)60
Min instalment amountRs. 10,000

Eligibility & card

Minimum incomeRs. 100,000
TierPlatinum
NetworkVisa
Typecredit
CurrencyLKR
Full fee schedule (33)
Annual feeRs. 3,500
Joining feeRs. 500
Supplementary annual feeRs. 2,500
Supplementary joining feeRs. 250
Late payment feeRs. 1,900
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

Balance transferYes
Balance transfer availableYes
Cash advance limit75%
Cash advance minimumRs. 1,250
Cashback conditions1% cashback on every transaction when spending a minimum of LKR 1,000 monthly; credited monthly to DFCC Bank account
ContactlessYes
Digital bankingYes
Fuel surcharge waiver1%
Instalment plan tenure months min3
Is affinityNo
Linked tariff urlhttps://www.dfcc.lk/rates-tariffs
Loan on card availableYes
Loan on card tenure months max60
Source urlhttps://properties.dfcc.lk/dfccweb/uploads/4a91f69f-87c9-4c14-bd03-593fcf4f2a11/General-Credit-Card-Tariff-Leaflet-Feb-24-1.pdf
Stamp duty2.5%
Travel insurance detailsCeylinco Ananthaya Insurance for protection against unforeseen circumstances affecting your ability to pay
Sources1 source Β· 1 editor override

Cited quotes (44)

  • supports annual_fee_lkr

    β€œVisa Platinum ... Primary Cards - Annual Fee (Rs.) ... 3,500”
  • supports joining_fee_lkr

    β€œPrimary Cards - Joining Fee (Rs.) ... 500”
  • supports supplementary_card_annual_fee_lkr

    β€œSupplementary Cards - Annual Fee (Rs.) ... 2,500”
  • supports supplementary_card_joining_fee_lkr

    β€œSupplementary Cards - Joining Fee ... 250”
  • supports interest_rate_apr_pct

    β€œInterest Rate (Per Annum) ... 26%”
  • supports cash_advance_fee_pct

    β€œCash Advance Fee (Minimum Rs.1,250) ... 5%”
  • supports cash_advance_fee_min_lkr

    β€œCash Advance Fee (Minimum Rs.1,250)”
  • supports late_payment_fee_lkr

    β€œLate Payment Fee (Rs.) ... 1,900”
  • supports over_limit_fee_lkr

    β€œOver Limit Fee (Rs.) ... 1,500”
  • supports foreign_transaction_fee_pct

    β€œan additional amount of 3.5% will be levied at the time of billing”
  • supports card_replacement_fee_lkr

    β€œCard Replacement Fee (Rs.) ... 1,200”
  • supports statement_copy_fee_lkr

    β€œStatement Copy (Rs.) ... 350”
  • supports interest_free_period_days

    β€œMaximum Interest Free Credit Period ... 51 Days”
  • supports minimum_payment_pct

    β€œMinimum (5%)”
  • supports fuel_surcharge_waiver_pct

    β€œFuel Surcharge ... 1%”
  • supports cards[0].minimum_income_lkr

    β€œShould have a Minimum Gross income of LKR 100,000 and above”
  • supports cards[0].cashback_rate

    β€œEnjoy a minimum of 1% cashback on all transactions, credited directly to your DFCC Bank account.”
  • supports cards[0].cashback_rate

    β€œ1% CashBack on every transaction when you spend a minimum of LKR 1,000 monthly.”
  • supports cards[0].benefits[1]

    β€œLoan on Card: Instant access to up to 75% of your credit limit as a quick cash advance payable in installments up to 60 months at the lowest rates.”
  • supports cards[0].benefits[2]

    β€œEasy Payment Plan: Convert any purchases over LKR 10,000/- into an installment plan and pay it back within 3 to 60 months, with a nominal processing fee.”
  • supports cards[0].benefits[3]

    β€œSeamless Balance Transfers: Transfer your balances from other credit cards to the DFCC Visa Platinum Credit Card at the best rates in the market.”
  • supports cards[0].benefits[4]

    β€œAccess to the best deals in shopping, dining, and travel, with savings of up to 50% at selected merchants.”
  • supports cards[0].benefits[5]

    β€œCeylinco Ananthaya Insurance for protection against unforeseen circumstances affecting your ability to pay.”
  • supports cards[0].benefits[6]

    β€œAutomated Bill Settlements for convenient payment management.”
  • supports cards[0].benefits[7]

    β€œVisa PayWave technology for hassle-free contactless payments.”
  • supports cashback_rate

    β€œEnjoy a minimum of 1% cashback on all transactions, credited directly to your DFCC Bank account.”
  • supports cashback_conditions

    β€œ1% CashBack on every transaction when you spend a minimum of LKR 1,000 monthly.”
  • supports minimum_income_lkr

    β€œShould have a Minimum Gross income of LKR 100,000 and above”
  • supports cash_advance_limit_pct

    β€œInstant access to up to 75% of your credit limit as a quick cash advance payable in installments up to 60 months at the lowest rates.”
  • supports instalment_plan_months_max

    β€œConvert any purchases over LKR 10,000/- into an installment plan and pay it back within 3 to 60 months, with a nominal processing fee.”
  • supports travel_insurance_details

    β€œCeylinco Ananthaya Insurance for protection against unforeseen circumstances affecting your ability to pay.”
  • supports offers

    β€œAccess to the best deals in shopping, dining, and travel, with savings of up to 50% at selected merchants.”
  • supports cashback_rate

    β€œ1% CashBack on every transaction when you spend a minimum of LKR 1,000 monthly.”
  • supports cashback_min_spend_lkr

    β€œ1% CashBack on every transaction when you spend a minimum of LKR 1,000 monthly.”
  • supports loan_on_card_available

    β€œLoan on Card: Instant access to up to 75% of your credit limit as a quick cash advance payable in installments up to 60 months at the lowest rates.”
  • supports loan_on_card_max_pct_of_limit

    β€œInstant access to up to 75% of your credit limit as a quick cash advance payable in installments up to 60 months”
  • supports loan_on_card_tenure_months_max

    β€œpayable in installments up to 60 months”
  • supports instalment_plan_min_amount_lkr

    β€œConvert any purchases over LKR 10,000/- into an installment plan”
  • supports instalment_plan_tenure_months_min

    β€œpay it back within 3 to 60 months”
  • supports instalment_plan_tenure_months_max

    β€œpay it back within 3 to 60 months”
  • supports contactless

    β€œVisa PayWave technology for hassle-free contactless payments.”
  • supports balance_transfer_available

    β€œSeamless Balance Transfers: Transfer your balances from other credit cards to the DFCC Visa Platinum Credit Card at the best rates in the market.”
  • supports benefits[0]

    β€œEnjoy a minimum of 1% cashback on all transactions, credited directly to your DFCC Bank account.”
  • supports benefits[3]

    β€œEasy Payment Plan: Convert any purchases over LKR 10,000/- into an installment plan and pay it back within 3 to 60 months, with a nominal processing fee.”

Editor verification

DFCC card detail page, verified against live site 2026-05-21

by admin Β· 2026-05-21 04:39:31.456078+00

BeforeYouPick is independent. We don't take fees from card issuers to influence rankings.