Dhanlaxmi Bank Credit Card
Dhanlaxmi Bank Credit Card options include the Dhan Namaste Platinum Credit Card and the RuPay Dhan Samriddhi Credit Card, offering cashback, lounge access and reward benefits. The Platinum card carries no joining fee, while the annual fee on both cards is waived on meeting an annual spend threshold. Compare features, fees and eligibility below before you apply.
Dhanlaxmi Bank offers majorly two different types of credit cards which are the Gold and Platinum credit card and offers a wide range of offers and benefits across different categories.
The bank offers two types of credit cards:
- Platinum Credit Card
- Gold Credit Card
Dhanlaxmi Bank Platinum Credit Card
Key Highlights: The Dhanlaxmi Bank Platinum Credit Card comes with a range of offers and benefits across different categories such as cashback, lifestyle, etc.
Joining Fee: Nil
Annual Fee: Rs.400, waived on annual usage of Rs.50,000 or more including add-on card spends
Features and Highlights:
- Top-of-the-line privileges across categories of dining, travel, luxury goods and lifestyle.
- Online concierge facility available with the credit card.
- Cashback of 5% on supermarkets and departmental store spends, capped at Rs.50 per month per card.
- Free insurance cover
- Low interest rates
- Global customer assistance for emergencies
Dhanlaxmi Bank RuPay Dhan Samriddhi Credit Card
Key Highlights: The RuPay Dhan Samriddhi Credit Card is Dhanlaxmi Bank's UPI-linked RuPay card, combining airport lounge access with reward points on everyday spends.
Joining Fee: Nil
Annual Fee: Rs.800, waived on annual spends of Rs.1 lakh and above
Features and Benefits:
- Domestic airport lounge access once every quarter.
- International airport lounge access once every half-year.
- 5% cashback on grocery spends, capped at Rs.50 per billing cycle.
- Welcome bonus of 1,000 reward points on spending Rs.10,000 within 90 days of card issuance.
- Reward points at 2 points per Rs.100 spent, redeemable at Rs.0.05 per point.
- EMI conversion available on eligible transactions.
- Global acceptance on the RuPay network, linked to UPI.
Dhanlaxmi Bank Credit Card Fees and Charges
Type of Charge | Platinum Credit Card |
Joining Fee | Nil |
Annual Fee | Rs.400, waived on annual usage of Rs.50,000+ |
Finance Charge (Cash Advance) | 3% p.m. (36% p.a.) |
Late Payment Fee | 30% of Minimum Amount Due |
Finance Charge (Regular) | 1.9% p.m. (22.80% p.a.) |
Cash Advance Fee | Rs.400 per transaction |
Overlimit Fee | 2.5% of the amount exceeding the credit limit (minimum Rs.300) |
Reward Redemption Fee | Rs.75 |
Cheque Return Fee | Rs.400 |
Sales Slip Retrieval Fee | Rs.300 |
Outstation Cheque Fee | Rs.100 |
Foreign Currency Mark-up | 3.5% |
Hotlisting charges | Rs.300 |
Late payment fee- PBC | 30% of MAD, Min: Rs.400, Max: Rs.600 |
Late payment fee- PBT | 10% of MAD, Min: Rs.100, Max: Rs.200 |
PIN Reissue Fee | Rs.100 |
Duplicate Statement Fee | Rs.100 |
Note: Interest rates updated on 9 September 2026.
Dhanlaxmi Bank Credit Card Eligibility and Documentation
Dhanlaxmi Bank Platinum Credit Card: Your minimum annual gross income has to be Rs.6 lakh.
Summary
Dhanlaxmi Bank's current credit card lineup centres on the Dhan Namaste Platinum Credit Card and the RuPay Dhan Samriddhi Credit Card, offering cashback, airport lounge access and reward points respectively. Both cards carry no joining fee, with annual fees waived once you cross the stated yearly spend threshold. Check the eligibility criteria and fee table above, then apply for the card that matches your spending pattern.
FAQs on Dhanlaxmi Bank Credit Card
1.What is the Dhanlaxmi Bank Credit Card?
The Dhanlaxmi Bank Credit Card is a range of credit cards issued by Dhanlaxmi Bank, currently including the Dhan Namaste Platinum Credit Card and the RuPay Dhan Samriddhi Credit Card. Each card suits a different spending style, from lifestyle cashback to lounge access and reward points. Compare both cards' features in the sections above before applying.
2.What types of Dhanlaxmi Bank credit cards are available?
Dhanlaxmi Bank currently offers the Dhan Namaste Platinum Credit Card, built around lifestyle and cashback spends, and the RuPay Dhan Samriddhi Credit Card, built around UPI spends and airport lounge access. Both cards are detailed in the sections above.
3.Who is eligible for a Dhanlaxmi Bank credit card?
Eligibility for a Dhanlaxmi Bank credit card depends on the card variant and is based mainly on your annual gross income, as listed in the eligibility section above. Both salaried and self-employed applicants can apply, subject to meeting the bank's income criteria.
4.Is there a joining fee for a Dhanlaxmi Bank credit card?
The joining fee differs by Dhanlaxmi Bank credit card variant and is listed in the fees and charges table above. Most Dhanlaxmi Bank credit cards do not charge a joining fee.
5.Is there an annual fee for a Dhanlaxmi Bank credit card?
The annual fee for a Dhanlaxmi Bank credit card differs by variant and may be waived once your annual spend crosses a set threshold. Refer to the fees and charges table above for the current terms.
6.Can I get an add-on card with my Dhanlaxmi Bank credit card?
Yes, Dhanlaxmi Bank lets you add an add-on credit card to your primary Dhanlaxmi Bank credit card account. The add-on card typically carries no separate joining fee.
7.How can I pay my Dhanlaxmi Bank credit card bill?
You can pay your Dhanlaxmi Bank credit card bill through internet banking or at one of the bank's branches. Choose whichever payment channel is most convenient for you.
8.How is my Dhanlaxmi Bank credit card limit decided?
Your Dhanlaxmi Bank credit card limit is set according to the bank's internal credit assessment criteria. The bank communicates your approved limit at the time your card is delivered.
9.What happens if I miss a Dhanlaxmi Bank credit card payment?
Missing a payment on your Dhanlaxmi Bank credit card attracts a late payment fee, calculated on the minimum amount due, as set out in the fees and charges table above. Paying on time helps you avoid this charge and protects your credit score.
10.Does a Dhanlaxmi Bank credit card charge extra on foreign currency transactions?
Yes, Dhanlaxmi Bank applies a foreign currency mark-up on transactions made in a currency other than Indian rupees. The exact mark-up percentage is listed in the fees and charges table above.
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Credit Card Eligibility
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