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Sri Lanka · DFCC

DFCC World Mastercard Credit Card

Mastercard · World · Verified 2 days ago

🛋️ 1 lounge visits/yr✈️ Travel insurance USD 75,000🧾 0% instalment plan🎩 Concierge💵 Loan-on-card up to 75% of limit

Overall ranking

Why this rank? · methodology
#28
rank
53.32
score / 100

What changed: score ▲ 0.25 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.

  • Active offers strength35.28333333333333+3.37 / 15
  • Annual feeLKR 6,000+3.63 / 12
  • Purchase APR26%+12.00 / 12
  • Airport lounge accessyes+6.00 / 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 depth7 listed+3.50 / 4
  • Contactless paymentsyes+2.00 / 2
Total53.32 / 100 (shown: 53.32)
Score history · 28 changesshow all 28
  1. 3 hr agoscore ▲ 0.25This 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 ▼ 0.39This card changed
    • epp quality(-0.23 pts)
    • offer strength35.067 → 34.45(-0.16 pts)

Fees

Annual feeLKR 6,000verified by editor
Joining feeLKR 500verified by editor
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 200,000

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
Cashback (overseas)1.5
Fuel surcharge1%

Perks

Lounge visits / year1
Lounge programmeLoungeKey
Travel insurance cover (USD)USD 75,000
ConciergeYes
Loan-on-card (max % of limit)75
0% instalment planYes
Instalment planYes
Max instalment tenure (months)24

Eligibility & card

Minimum incomeRs. 200,000
Minimum age18
Minimum credit limitRs. 200,000
TierWorld
NetworkMastercard
CurrencyLKR
Full fee schedule (33)
Annual feeRs. 6,000
Joining feeRs. 500
Supplementary annual feeRs. 3,000
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 transfer availableYes
Cash advance minimumRs. 1,250
ContactlessYes
Fuel surcharge waiver1%
Is affinityNo
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
Sources1 source · 9 editor overrides

Cited quotes (38)

  • supports annual_fee_lkr

    “Pinnacle World Mastercard ... Primary Cards - Annual Fee (Rs.) ... FOC”

  • supports interest_rate_apr_pct

    “Pinnacle World Mastercard ... Interest Rate (Per Annum) ... 25%”

  • 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.) ... 1,950”

  • 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 minimum_income_lkr

    “Applicants must have a minimum monthly gross income of LKR 200,000 or above.”

  • supports minimum_age

    “being over 18 years of age, and resident in Sri Lanka.”

  • supports credit_limit_minimum_lkr

    “The starting credit limit is LKR 200,000 or higher.”

  • supports cashback_rate

    “Earn a minimum of 1% cashback on all transactions, and up to 1.5% for overseas transactions (excluding ATM cash advances), credited directly to your DFCC Bank account.”

  • supports lounge_visits_per_year

    “The card provides access to over 900 airport lounges worldwide with one free visit per year.”

  • supports lounge_programme

    “Complimentary access to over 1,000 airport lounges through the Lounge Key programme”

  • supports benefits

    “complimentary travel insurance and emergency medical expense cover of up to USD 75,000 when you purchase a return air ticket using the card.”

  • supports benefits

    “Enjoy 0% interest Easy Payment Plans for up to 24 months on travel, furniture, electronics, and home appliances at selected merchants.”

  • supports benefits

    “You can take a cash advance of up to 75% of your credit limit and pay it back in installments over a period of up to 60 months.”

  • supports benefits

    “24/7 global concierge services to assist with travel bookings, restaurant reservations, and other personal arrangements, ensuring your every need is met at the right time.”

  • supports benefits

    “The exclusive DFCC – Ceylinco Ananthaya Insurance Scheme protects you if you are unable to meet your card repayments due to serious illness, disability or untimely demise.”

  • supports minimum_income_lkr

    “a monthly gross income (salary, professional fees, and or self-employment income) exceeding Rs. 200,000/-”

  • supports minimum_credit_limit_lkr

    “The starting credit limit is LKR 200,000 or higher.”

  • supports cashback_rate

    “Earn a minimum of 1% cashback on all transactions, and up to 1.5% for overseas transactions (excluding ATM cash advances)”

  • supports cashback_rate_local

    “1% Cashback on local spend”

  • supports cashback_rate_overseas

    “1.5% Cashback on overseas spend”

  • supports lounge_visits_per_year

    “Airport lounge access with 1 complimentary visit every year”

  • supports travel_insurance_cover_usd

    “the card offers complimentary travel insurance and emergency medical expense cover of up to USD 75,000 when you purchase a return air ticket using the card”

  • supports instalment_plan_tenure_months_max

    “0% interest Easy Payment Plans for up to 24 months on travel, furniture, electronics, and home appliances at selected merchants”

  • supports loan_on_card_max_pct_of_limit

    “Instant 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

    “payable in installments up to 60 months”

  • supports card_network

    “DFCC World Mastercard”

  • supports travel_insurance_cover_usd

    “the card offers complimentary travel insurance and emergency medical expense cover of up to USD 75,000 when you purchase a return air ticket using the card.”

  • supports loan_on_card_max_pct_of_limit

    “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_tenure_months_max

    “You can take a cash advance of up to 75% of your credit limit and pay it back in installments over a period of up to 60 months.”

  • supports instalment_plan_tenure_months_max

    “0% interest Easy Payment Plans for up to 24 months on travel, furniture, electronics, and home appliances at selected merchants.”

Editor verification

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

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

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