How to Apply for a DFCC Gold Credit Card – Learn More Here

Are you looking for your very first credit card? It is always difficult to decide which bank to use and even more difficult to decide which card offered by the bank you should apply for. 

The DFCC Gold credit card might just be what you are looking for though. Although, this card is DFCC’s entry-level credit card, it provides you with many benefits.

The benefits include access to cash advances of up to 75% of your credit limit and other excellent deals in town. Read on to learn more about this credit card, and how you can apply for it.

How to Apply for a DFCC Gold Credit Card - Learn More Here

DFCC Gold Credit Card Features

Depending on your income and credit history the DFCC Gold credit card’s credit limit can be up to Rs. 99,999. One of the great features of this card is that you can get an instant cash loan up to 75% of your credit limit. 

If the loan is granted the funds will be transferred to an account in your name, within 1 working day. You pay back the cash loan in monthly installments up to 36 months. 

It also offers interactive e-statements with graphical illustrations of your monthly expenses. All your transactions, with due dates and amounts due, are available online.

Once you have spent a minimum of Rs. 5,000 using this Visa card, the DFCC Gold credit card offers a 1% cashback on every spend. It also gives you discounts of up to 50% at selected merchants.

Pros and Cons of the DFCC Gold Credit Card 

As the DFCC Gold credit card is a Visa card, you can use it at any outlet or ATM which accepts Visa cards. Your card can also be used for online purchases. You can consolidate your debts by transferring other credit cards’ balances to your DFCC Golden credit card. 

You can also convert any of your transactions above Rs.10,000 into an Easy Payment Plan over an agreed period. A standard setup fee of Rs.1,000 will be charged to your DFCC Golden credit card account when using the cash loan lending facility. 

There is also an early settlement fee of 4% charged on the outstanding amount of the cash loan if you wish to settle the cash loan before the expiry of the original tenor. 

How to Apply for a DFCC Gold Credit Card

To apply for the DFCC Gold credit card you have to earn a minimum gross income of Rs. 25,000. You have to be employed or self-employed.

You can apply online or call the 24-hour contact number 0112 350000 to register. If you want to talk to a bank representative in person, you can visit the nearest branch.

Interest Rates and Fees

The DFCC Gold Credit Card is a great option if you are looking for your first credit card, and if you want good perks. The following rates and fees are applicable for the DFCC Gold credit card.

  • Interest rate: 18%
  • Joining fee: LKR 400
  • Annual fee: LKR 1,500
  • Supplementary annual fee: LKR 750
  • Over limit fee: LKR 500
  • Late payment fee: LKR 900
  • Statement copy over 3 months: LKR 100
  • Voucher retrieval: LKR 300
  • Loan on card: 75% Of Limit / Balance Available
  • Flexi plans: for Purchases Over LKR 10,000
  • Cash advance fee on billed amount: 4% (minimum of LKR 250)
  • Exchange mark up fee for overseas transactions: Up to 2.5%
  • Government stamp duty: LKR 25 for each LKR 1,000 spent or part thereof for all overseas

Contact Info

How to Apply for a DFCC Gold Credit Card - Learn More Here

DFCC Bank’s head office is situated at DFCC BANK PLC, 73/5, Galle Road, Colombo 3, Sri Lanka. The bank can also be reached by telephone at (94)-011-2350000.


The DFCC Gold credit card is a card worth looking at if you need an entry-level card. The cash loan and debt transfer options are two of the features which make this card very popular. 

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions before agreeing to anything.