Dhanalakshmi Bank Credit Card Overview

Dhanalakshmi Bank is one of the oldest banks in the country. It has a pan India presence with headquarters based in Thrissur City of Kerala state. The bank was incorporated in the year 1927. It gained the status of Scheduled Commercial bank in the year 1977. The Bank primarily works in the southern states of the country. However it has branches spread out in many North Indian states as well.

As on today, the bank has more than 274 branches and more than 403 ATMs spread all over the country. It offers various banking services which include personal banking, corporate banking, micro and agri-banking and SME banking. The bank also offers NRI banking services.

One of the many ways to maintain good credit balance is to make use of credit cards at the right time. This could probably be one of the reasons why there has been an increase in the number of people using credit cards across the country. It is also one of the best ways to track one’s expenses. If you are one of those people, who have been thinking to get a credit card, the Dhanalakshmi Bank Credit Card is surely one of the best place to begin with.

• Gold Credit Card
• Platinum Credit Card

Dhanalakshmi Bank Credit Card FAQs

1. Who can get a credit card?

Any person with annual gross income Rs. 3 Lacs and above would be eligible for one of the two types of credit cards offered by the bank.

2. Will there be any joining fee for credit cards?
No, there is no joining fee.
3. Can I get an add-on card?

Yes, you can get an add-on card and there is no joining fee for that.

4. Will there be an overdue penalty or late payment fee?

Yes, there shall be penalty fee for late payments.

5. How can I make my credit card payment?

The payment can be made through internet banking or can be made through one of branches.

6. What will be my credit limit?

The credit limit is based on Dhanalakshmi Bank Ltd’s internal credit criteria. This would be communicated to the customer during the time of card delivery.

7. Is there annual fee associated with credit cards?

No, there is no annual fee associated with Dhanalakshmi Bank Credit Card.

8. Will there is separate fee for foreign currency transaction?

Yes, there shall be a charge of 3.5% for foreign currency transactions.

Dhanalakshmi Bank Credit Card Eligibility and Documentation

Below mentioned are the eligibility criteria for gold credit card

1. Salaried individuals with minimum annual gross income of Rs. 3 Lacs.
2. Self-employed individuals with minimum annual gross income of Rs. 4 Lacs.

For platinum credit card, any person with minimum annual gross income of Rs 6 Lacs is eligible.

Platinum Credit Card

The Dhanlaxmi Bank Platinum Credit Card opens up a world of privileges designed especially for you! With this card, you have a variety of offers to choose from to make your shopping experience pleasurable. Not only this, it also offers you pragmatic solutions to take care of your billing and financial planning needs. Powered with Dhanlaxmi Bank Platinum Credit Card, you can now indulge yourself in fine dining and experiential travel, to name a few.

• Platinum privileges across luxury goods, dining, golf & travel.
• Online concierge facility
• 5% cash-back on cinema theatres, supermarkets and departmental store purchases
• Free insurance cover
• Global customer assistance for emergencies
• Now budget, review and manage your expenses with emPower – online financial planning tool
• Low interest charges

All the rates are subject to change, therefore, customers are required to keep on checking the rates from time to time.