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Sri Lanka ยท DFCC

DFCC Visa Infinite Credit Card

Visa ยท Infinite ยท Verified 4 days ago

2 lounge visits/yrTravel insurance USD 300,000ConciergeLoan-on-card up to 75% of limit
#28
rank
54.16
score / 100

What changed: score โ–ฒ 0.43 ยท rank โ–ผ 1 since 1 day ago

  • offer strength64.5 โ†’ 69.917(+0.38 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.

  • Purchase APR26%+12 / 12
  • Dining cashback1%+8 / 8
  • Supermarket cashback1%+8 / 8
  • Contactless paymentsYes+2 / 2
  • Benefits depth7 listed+3.5 / 4
  • Foreign-transaction fee3.5%+4.67 / 7
  • Airport lounge accessYes+6 / 12
  • Active offers strength69.92+6.18 / 15
  • Fuel cashback1%+1.45 / 4
  • Annual feeLKR 7,000+1.61 / 12
  • 0% installment plans (EPP)114 plans+0.75 / 8
  • Interest-free period51 days+0 / 8
Total54.16 / 100 ยท captured 54.2%
Score history ยท 32 changesshow all 32
  1. 3 hr agoscore โ–ฒ 0.43 ยท rank โ–ผ 1This card changed
    • offer strength64.5 โ†’ 69.917(+0.38 pts)
    • epp quality106 โ†’ 114(+0.05 pts)
  2. 1 day agoscore โ–ฒ 0.13This card changed
    • offer strength63 โ†’ 64.5(+0.12 pts)
  3. 2 days agoscore โ–ผ 0.08This card changed
    • offer strength(-0.07 pts)

Fees

Annual feeLKR 7,000
Joining feeLKR 500
Supplementary card feeLKR 3,500
Late payment feeLKR 1,900
Over-limit feeLKR 1,500
Cash advance fee5%
Foreign currency markup3.5%

Interest

Revolving APR26%
Cash advance APRNot published

Eligibility

Minimum incomeLKR 450,000

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

Perks

Lounge visits / year2
Lounge programmeLoungeKey
Travel insurance cover (USD)USD 300,000
ConciergeYes
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. 450,000
Minimum credit limitRs. 750,000
TierInfinite
NetworkVisa
Typecredit
CurrencyLKR
Full fee schedule (33)
Annual feeRs. 7,000
Joining feeRs. 500
Supplementary annual feeRs. 3,500
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 transfer availableYes
Cash advance minimumRs. 1,250
Fuel surcharge waiver1%
Instalment plan tenure months min3
Is affinityNo
Loan on card availableYes
Loan on card tenure months max60
Rewards programmeDFCC Cashback Programme
Source urlhttps://properties.dfcc.lk/dfccweb/uploads/4a91f69f-87c9-4c14-bd03-593fcf4f2a11/General-Credit-Card-Tariff-Leaflet-Feb-24-1.pdf
Stamp duty2.5%
Sources1 source ยท 1 editor override

Cited quotes (44)

  • supports annual_fee_lkr

    โ€œVisa Infinite ... Primary Cards - Annual Fee (Rs.) ... 7,000โ€
  • supports joining_fee_lkr

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

    โ€œSupplementary Cards - Annual Fee (Rs.) ... 3,500โ€
  • 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.) ... 1,900โ€
  • 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 minimum_income_lkr

    โ€œApplicants must have a minimum monthly gross income of LKR 450,000 or above.โ€
  • supports minimum_credit_limit_lkr

    โ€œThe starting credit limit is LKR 750,000 or higher.โ€
  • supports cashback_rate

    โ€œEarn a minimum of 1 % cashback on all transactions, directly credited to your DFCC Bank account.โ€
  • supports cashback_rate

    โ€œSpend a minimum of LKR 1,000 monthly to earn 1% cashback, credited to your DFCC savings/current account or a DFCC Junior Savings Account.โ€
  • supports benefits

    โ€œAccess to over 900 airport lounges globally with 2 free visits annually.โ€
  • supports benefits

    โ€œComplimentary travel insurance with coverage of up to USD 300,000 when purchasing return air tickets using the card.โ€
  • supports benefits

    โ€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.โ€
  • supports benefits

    โ€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.โ€
  • supports benefits

    โ€œYear-round discounts of up to 50% and exclusive privileges at luxury merchants.โ€
  • supports benefits

    โ€œYour personal requests can be fulfilled by our 24/7 personal concierge service anywhere in the world.โ€
  • supports cashback_min_spend_lkr

    โ€œSpend a minimum of LKR 1,000 monthly to earn 1% cashback, credited to your DFCC savings/current account or a DFCC Junior Savings Account.โ€
  • supports lounge_visits_per_year

    โ€œaccess to 900+ exclusive lounges with Loungekey and up to 2 visits each year for the cardholder, free of charge.โ€
  • supports lounge_programme

    โ€œThe Lounge Key membership provides cardholders with access to over 900 airport lounges globally, with two complimentary visits per year.โ€
  • supports travel_insurance_cover_usd

    โ€œComplimentary travel insurance with coverage of up to USD 300,000 when purchasing return air tickets using the card.โ€
  • supports loan_on_card_max_pct_of_limit

    โ€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.โ€
  • supports loan_on_card_tenure_months_max

    โ€œpayable in installments up to 60 monthsโ€
  • supports instalment_plan_min_amount_lkr

    โ€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.โ€
  • supports instalment_plan_tenure_months_min

    โ€œpay it back within 3 to 60 monthsโ€
  • supports instalment_plan_tenure_months_max

    โ€œpay it back within 3 to 60 monthsโ€
  • supports card_network

    โ€œVisa Infinite Credit Cardโ€
  • supports minimum_income_lkr

    โ€œMust be over 18 years of age and resident in Sri Lanka with a minimum gross income exceeding LKR 450,000/- and accepting of a minimum credit limit of LKR 750,000/-.โ€
  • supports loan_on_card_tenure_months_max

    โ€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.โ€
  • supports instalment_plan_tenure_months_min

    โ€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.โ€
  • supports instalment_plan_tenure_months_max

    โ€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.โ€
  • supports lounge_programme

    โ€œaccess to 900+ exclusive lounges with Loungekey and up to 2 visits each year for the cardholder, free of charge.โ€
  • supports lounge_visits_per_year

    โ€œThe Lounge Key membership provides cardholders with access to over 900 airport lounges globally, with two complimentary visits per year.โ€
  • supports loan_on_card_tenure_months_max

    โ€œpayable in installments up to 60 months at the lowest rates.โ€
  • supports instalment_plan_tenure_months_min

    โ€œpay it back within 3 to 60 months, with a nominal processing fee.โ€
  • supports instalment_plan_tenure_months_max

    โ€œpay it back within 3 to 60 months, with a nominal processing fee.โ€

Editor verification

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

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

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