D'Cruz was born to a Goan Catholic family in Mumbai, and raised partly in Mumbai and partly in Goa.Her family relocated to Parra, Goa when she was 10 years old. Her mother tongue is Konkani. During that time, the manager of the hotel her mother was working in, suggested that she has a beautiful face with a vibrant smile and should start modelling and fixed a meeting with Marc Robinson. Though initially reluctant, she was persuaded and her first portfolio was created in January 2003, which she described as a "disaster". She began gaining notice through photo shoots and ramp shows and her second portfolio was set up the following year, which landed her three advertisements from Electrolux, Emami Talc and Fair and Lovely. The latter, in particular, which was directed by Rakesh Roshan, gave her exposure and brought in several offers for acting in feature films.