Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    Dhanlaxmi Bank Gold Credit Card

    1st Year Fee
    Joining Perks
    Response Time Within 30 minutes
    What you'll love
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    Fee Details

    Dhanlaxmi Bank Gold Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service




    The Dhanlaxmi Bank Gold Credit Card has a host of benefits to offer to the cardholder. Get cashback and reward points when you spend on your credit card which makes spending more enjoyable. Get free accident insurance, lost card liability insurance and purchase protection so you can have peace of mind with your Gold Credit Card. The card is completely free and bears no joining, subscription, annual or renewal fees. Enjoy low interest rates coupled with 18 to 48 days credit periods. With your Dhanlaxmi Bank Gold Credit Card, you will be presented with an expense manager which helps you track and view your expenses and spending patterns. This will help you budget and manage your money even better.


    • Cashback:

      Get 5% cashback on your purchases at supermarkets and departmental stores.

    • Rewards:

      Earn reward points on your expenses and redeem them from a host of products in the rewards catalogue. You need at least 600 points to make a redemption.

    • Free insurance:

      With your Gold Credit Card, you are entitled to Rs. 20 lakhs coverage for air accidents. You will also receive up to Rs. 1 lakh Credit Shield which pays out in case of death or permanent and total disability.

    • Lost card liability:

      You also get up to Rs. 1 lakh in case of lost card liability with 2 days of pre-reporting.

    • Purchase Protection:

      Get protected against damaged, duplicate or fraudulent products and charges for up to 90 days from the date of your purchase. The insurance covers up to Rs. 1 lakh.

    • Zero Joining Fees:

      Avail of this card from Dhanlaxmi Bank free of cost. There are no joining fees for the main as well as the add on cards.

    • No annual fees:

      There are no annual fees for the main cardholder as well as the add on cards.


    • Expense Manager:

      Dhanlaxmi Bank provides a spend analyzer call emPower that will help you review and manage your expenses. It is a handy financial planning tool that will help you budget your expenses better.

    • Revolving credit:

      Avail of 18 to 48 days interest-free periods on your purchases. Buy it now and pay for it within the free period to avoid interest charges. Carrying forward a balance will attract interest charges of 2% on the outstanding amount as well as fresh purchases. Pay your bills in full to continue the free credit periods.

    • Global Customer Care:

      Contact the Dhanlaxmi Customer assistance anywhere in the world at any time in case of emergencies, or general queries.

    • Low credit charges:

      Enjoy low interest rates on revolving credit facilities. Buy now and pay for it later at low fees.

    • Verified by VISA:

      Register for Verified by VISA to ensure that your online transactions are secure. It’s easy to use and makes the process of checking out easy.

    • SMS alerts:

      You can subscribe to SMS alerts and be up to date on your credit card status. You will be sent alerts regarding transactions on your card, your credit card payment dues and date and more.

    • Supplementary Cards:

      Avail of supplementary cards for your immediately family members and share the benefits of this card with them.

    Important Fees and Charges:

    Charge Amount
    Joining Fee Nil
    Annual Fee Nil
    Renewal fee Nil
    Add on Card Nil
    Interest on revolving credit 2% per month (24% per annum). In case of default, the charges increase to 3.5% per month.
    Minimum due 5% of the billed amount subject to a minimum of Rs. 200.

    Other Fees and Charges:

    Charge Amount
    Late Payment Charges 30% of the minimum amount due subject to a minimum of Rs. 400. Only a maximum of Rs. 600 will be charged.
    Cash advance transaction charge Rs. 400 per transaction.
    Interest on cash advance 3% per month (36% per annum)
    Cash advance limit 10% of the total credit limit.
    Over limit charges 2.5% of the amount exceeding the credit limit subject to a minimum of Rs. 300.
    Surcharge on Railway Bookings Counter: Rs. 30 + 2.5% Online: 1.8%
    Fuel surcharge 2.5 % of the transaction subject to a minimum of Rs. 10.
    Foreign Currency Transaction 3.5%
    Card replacement Rs. 300
    Reward Redemption Fee Rs. 75
    Plan Your Rewards Annual Fee Nil
    emPower Tool Annual Fee Nil
    EMI Processing Fee 1% of the conversion amount subject to a minimum of Rs. 200.
    Outstation cheque collection Rs. 100
    Cheque return Rs. 400
    ECS default/dishonour Rs. 400
    Duplicate statement Rs. 100
    Chargeslip request Rs. 300
    Reissue of PIN mailer Rs. 100

    Eligibility Criteria:

    To qualify for this credit card, you must meet the following requirements.

    • Salaried individuals must be earning a gross annual income of Rs. 3 lakhs.
    • Self-employed should be earning at least Rs. 4 lakhs gross annual income.

    Dhanlaxmi Bank Gold Credit Card FAQs:

    1. How do I claim insurance provided by my Dhanlaxmi Bank Gold Credit Card?

      The insurance policy is provided by ICICI LOMBARD. You must inform them about any loss or damage within 15 days to make a claim. ICICI LOMBARD will inform you about the process of claiming insurance and the documents required. You can then submit the required documents and investigation report to them. ICICI LOMBARD will then decide on the admissibility of the claim. If it is approved, the payment will be made to you within 15 working days of the receipt of the documents. If further investigation is required, this period maybe extended.

    2. How is the interest-free period calculated?

      With your Dhanlaxmi Bank Gold Credit Card, you are entitled to a range of 18 to 48 days interest free periods on your purchases. For example, for a billing cycle that is dated on the 20th of every month, if you make a purchase on the 20th, you will receive a 48-day credit period as you will be billed only in the next cycle. If you make the purchase on the 19th, then your period is reduced to 18 days. Please see the illustrative example below.

    3. Billing Cycle Transaction Date Due Date Interest-Free Period
      20th 20th September 7th November 48 days
      20th 19th September 8th October 18 days
    4. Can I increase my credit limit on the Dhanlaxmi Bank Gold Credit Card?

      After completing 12 months of card membership, cardholders are entitled to apply for an enhanced credit limit on their Dhanlaxmi Bank Gold Credit Card. Customers need to provide the required documents declaring their income to the bank. Based upon this, the bank can increase the credit limit at its sole discretion.

    5. How do I pay my credit card bill?

      You can make payments towards your credit card through any of the following ways.

      • Visit any Dhanlaxmi Bank Branch during working hours and deposit cash.
      • Drop a cheque or DD favouring “Dhanlaxmi Credit Card no.” followed by your 16 digit card number at any Dhanlaxmi Bank Branch.
      • Pay online using your Dhanlaxmi online banking account.
      • Set an auto-debit instruction to make payments against your credit card.
      • You can make payments through ECS and NEFT.
    6. What happens if I default on a payment?

      If you miss paying the minimum amount due by the payment due date, the bank submits the record to CIBIL which will negatively affect your credit score. Your interest rate will increase to 3.5% per month. You will also be charged a penalty fee. Failure to pay the dues after notifications will attract legal action to recover the debt. In case of death or permanent and total disability, insurance should be filed for as soon as possible. Sufficient notice will be provided to the nominee or successor for payment of the cardholders dues.


    Compare, check your eligibility and apply for credit cards online.

    Dhanlaxmi Bank Gold Credit Card Reviews

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