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Sri Lanka ยท DFCC

DFCC Lanka IOC Co-Branded Mastercard Titanium Credit Card

Mastercard ยท Titanium ยท Verified 4 days ago

Affinity ยท Lanka IOC
0% instalment plan
#23
rank
54.77
score / 100

What changed: score โ–ฒ 0.46 since 1 day ago

  • offer strength41.833 โ†’ 47.25(+0.42 pts)
  • epp quality106 โ†’ 114(+0.05 pts)

What drives this score

Every card runs through the same 12 factors. The bar shows how much of the available points this card captured. 1 factor below lack data and score 0 by default โ€” an operator can fill them in.

  • Purchase APR26%+12 / 12
  • Dining cashback1%+8 / 8
  • Supermarket cashback1%+8 / 8
  • Fuel cashback3%+4 / 4
  • Contactless paymentsYes+2 / 2
  • Annual feeLKR 3,000+9.68 / 12
  • Foreign-transaction fee3.5%+4.67 / 7
  • Benefits depth3 listed+1.5 / 4
  • Active offers strength47.25+4.18 / 15
  • 0% installment plans (EPP)114 plans+0.75 / 8
  • Interest-free period51 days+0 / 8
Data gaps
  • Airport lounge accessโ€”โ€” / 12
Total54.77 / 100 ยท captured 54.8%
Score history ยท 34 changesshow all 34
  1. 3 hr agoscore โ–ฒ 0.46This card changed
    • offer strength41.833 โ†’ 47.25(+0.42 pts)
    • epp quality106 โ†’ 114(+0.05 pts)
  2. 1 day agoscore โ–ฒ 0.13This card changed
    • offer strength40.333 โ†’ 41.833(+0.12 pts)
  3. 2 days agoscore โ–ผ 0.05 ยท rank โ–ฒ 3This card changed

Fees

Annual feeLKR 3,000verified by editor
Joining feeLKR 500verified by editor
Supplementary card feeLKR 2,500
Late payment feeLKR 2,000
Over-limit feeLKR 1,500
Cash advance fee5%
Foreign currency markup3.5%

Interest

Revolving APR26%
Cash advance APRNot published

Eligibility

Minimum incomeLKR 100,000

Rewards

Reward rateNot published
Reward typeNot published

Offers you can use (83)

See all โ†’

0% Instalment plans (21)

See all โ†’

Split purchases into 0% easy payment plans of up to 48 months at 21 partner merchants& categories.

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
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 ยท 12 editor overrides

Cited quotes (38)

  • supports annual_fee_lkr

    โ€œLIOC Mastercard Titanium ... Primary Cards - Annual Fee (Rs.) ... 3,000โ€
  • supports joining_fee_lkr

    โ€œPrimary Cards - Joining Fee (Rs.) ... 500โ€
  • supports supplementary_card_annual_fee_lkr

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

    โ€œSupplementary Cards - Joining Fee ... 250โ€
  • supports interest_rate_apr_pct

    โ€œInterest Rate (Per Annum) ... 26%โ€
  • supports cash_advance_fee_pct

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

    โ€œCash Advance Fee (Minimum Rs.1,250)โ€
  • supports late_payment_fee_lkr

    โ€œLate Payment Fee (Rs.) ... 2,000โ€
  • supports over_limit_fee_lkr

    โ€œOver Limit Fee (Rs.) ... 1,500โ€
  • supports foreign_transaction_fee_pct

    โ€œan additional amount of 3.5% will be levied at the time of billingโ€
  • supports card_replacement_fee_lkr

    โ€œCard Replacement Fee (Rs.) ... 1,200โ€
  • supports statement_copy_fee_lkr

    โ€œStatement Copy (Rs.) ... 350โ€
  • supports interest_free_period_days

    โ€œMaximum Interest Free Credit Period ... 51 Daysโ€
  • supports minimum_payment_pct

    โ€œMinimum (5%)โ€
  • supports fuel_surcharge_waiver_pct

    โ€œFuel Surcharge ... 1%โ€
  • supports cashback_rate

    โ€œEarn a minimum 1% cashback on all other purchases.โ€
  • supports benefits[0]

    โ€œEnjoy 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).โ€
  • supports benefits[2]

    โ€œ6 months at 0% interest for vehicle insurance premiums (transactions between LKR 25,000 and LKR 250,000).โ€
  • supports benefits[3]

    โ€œ6 months at 0% interest for automobile-related transactions (e.g., tyres, spare parts, services) between LKR 25,000 and LKR 600,000.โ€
  • supports benefits[4]

    โ€œCardholders could opt for the Ceylinco-DFCC Ananthaya Insurance Scheme, offering protection in cases of serious illness, disability, or death to cover credit card duesโ€
  • supports minimum_income_lkr

    โ€œApplicants must have a minimum monthly gross income of LKR 100,000 and a starting credit limit of LKR 100,000.โ€
  • supports minimum_age_years

    โ€œMust be over 18 years of age and resident in Sri Lankaโ€
  • supports credit_limit_minimum_lkr

    โ€œwilling to accept a starting credit limit of Rs. 100,000/-โ€
  • supports card_name

    โ€œDFCC-LANKA-IOC Mastercard Fuel Titanium Cashback Credit Cardโ€
  • supports card_network

    โ€œDFCC Lanka IOC Co-Branded Mastercard Titanium Credit Cardโ€
  • supports is_affinity

    โ€œDFCC Lanka IOC Co-Branded Mastercard Titanium Credit Cardโ€
  • supports cashback_rate

    โ€œThe 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.โ€
  • supports cashback_cap_lkr

    โ€œmaximum Cashback payout per card per statement cycle being Rs. 1,500โ€
  • supports minimum_credit_limit_lkr

    โ€œwilling to accept a starting credit limit of Rs. 100,000/-โ€
  • supports instalment_plan_interest_free

    โ€œ6 months at 0% interest for vehicle insurance premiums (transactions between LKR 25,000 and LKR 250,000).โ€
  • supports instalment_plan_min_amount_lkr

    โ€œ6 months at 0% interest for vehicle insurance premiums (transactions between LKR 25,000 and LKR 250,000).โ€
  • supports contactless

    โ€œThis feature allows for contactless payments. Simply tap your card to complete a transaction without swiping or inserting it.โ€
  • supports card_tier

    โ€œDFCC-LANKA-IOC Mastercard Fuel Titanium Cashback Credit Cardโ€
  • supports benefits[1]

    โ€œThe 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.โ€
  • supports instalment_plan_tenure_months_min

    โ€œ6 months at 0% interest for vehicle insurance premiums (transactions between LKR 25,000 and LKR 250,000).โ€
  • supports instalment_plan_min_amount_lkr

    โ€œtransactions between LKR 25,000 and LKR 250,000โ€
  • supports affinity_partner

    โ€œDFCC Lanka IOC Co-Branded Mastercard Fuel Titanium Cashback Credit Cardโ€
  • supports cashback_cap_lkr

    โ€œmaximum cashback for LIOC transactions per statement is Rs. 1,500โ€

Editor verification

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

by admin ยท 2026-06-03T03:28:47.164591

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