The ubiquitous use of mobile devices has underscored the importance of evaluating display visual comfort to reduce eye strain and fatigue. This developed and tested visual comfort model for display visual comfort, taking into account key factors such as ambient illuminance, display luminance, text-background luminance contrast. The 𝑉𝐶𝐴𝐿𝐿 model was built based on three psychophysical experimental datasets: Neutral Colour Combination (NC), Coloured Combination (CC), and Neutral Colour Combination with Dim Ambient Light (NCD), which involved 103 participants spanning various age groups. Two new experiments were conducted to verify the model’ performance. One is to use the model to access displays’ visual comfort, using an LCD and a QD_mini-LED, comparing with the results from various other testing methods. The other experiment was conducted to verify the performance of 𝑉𝐶𝑟𝑒𝑣𝑒𝑟𝑠𝑒 by computing optimal text-background luminance combinations for any display under varying ambient light.