TFS Loyalty Program

From where you started,to where you want to be.

Your home loan, rewarded. Earn TFS Credits on every active residential or investment loan, then redeem for luxury Sri Lankan stays, flights, and privileges that turn financial milestones into family memories.

Earn upfront

70 credits / $100k

Earn annually

20 credits / $100k

Hotels available

14 properties

Membership tiers

Green → Platinum

Built on trust

We get it. We've walked it too.

TFS understands where you come from and helps you get to where you're going. The Loyalty Program is our way of saying thank you — turning your everyday loan repayments into experiences worth remembering.

The film

See where your home loan could take you.

Hill country, coast and the cultural triangle. A short film from Sri Lanka, made with our hospitality and travel partners.

What you unlock

Six ways your loan starts paying you back.

Luxury Sri Lankan Stays

Browns Hotels & Resorts and The Reveal Collection — beachside villas, hill-country retreats, Ayurvedic wellness resorts, and heritage boutique stays.

Air Travel, Upgraded

Redeem credits for Sri Lankan Airlines flights, or global destinations via our trusted travel partners. Your next adventure starts here.

Financial Privileges

Through our partnership with LOLC Holdings, you'll access preferential deposit and lending rates in Sri Lanka — tailored for your milestones.

Global Lounge Access

Start every journey in comfort with complimentary global airport lounge access via your LOLC World Credit Card.

Gift to Loved Ones

Surprise family and friends with luxury Sri Lankan stays. Available for Gold and Platinum members — share joy from afar.

Personal Concierge

Our highest tier comes with a dedicated travel concierge — personalised itineraries, exclusive experiences, every detail anticipated.

How loyalty credits are allocated

Step by step. Built on trust.

1
Earn 70 credits upfront for every $100,000 of your settled loan amount.
2
From year two, earn an additional 20 credits annually for every $100,000 of outstanding loan balance — pro-rata, monthly.
3
Credits are net of offset and redraw, allocated monthly on the 12th.

$500,000 loan

Example

Upfront: 350 credits
Annual: 100 / year
After 2 yrs: 450 after 2 years

$700,000 loan

Example

Upfront: 490 credits
Annual: 140 / year
After 2 yrs: 630 after 2 years

$1,200,000 loan

Example

Upfront: 840 credits
Annual: 240 / year
After 2 yrs: 1,080 after 2 years

Membership tiers

The bigger your milestones, the richer the rewards.

Tier 1

Green

$100k – $499k

Tier 2

Bronze

$500k – $799k

Tier 3

Silver

$800k – $1.19M

Tier 4

Gold

$1.2M – $1.79M

Tier 5

Platinum

$1.8M and above

Where your credits take you

Sri Lanka, on your terms.

From the lion rock of Sigiriya to the turquoise coast of Pasikuda, your TFS Credits unlock stays across Sri Lanka's most loved Browns Hotels and the boutique Reveal Collection.