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

    Dhanlaxmi 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.

    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: Nil

    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.
    • Free insurance cover
    • Low interest rates
    • Global customer assistance for emergencies

    Dhanlaxmi Bank Gold Credit Card

    Key Highlights: The Dhanlaxmi Bank Gold Credit Card offers the cardholder many benefits along with a comprehensive spending tool to track all expenses efficiently.

    Joining Fee: Nil

    Annual Fee: Nil

    Features and Benefits:

    • Manage expenses with emPower.
    • 5% cashback on all supermarkets and departmental store purchases.
    • Free and comprehensive insurance cover.
    • Customer assistance for all emergencies including overseas.

    Dhanlaxmi Bank Credit Card Fees and Charges

    Type of Charge Platinum Credit Card Gold Credit Card
    Joining Fee Nil Nil
    Annual Fee Nil Nil
    Finance Charge (Cash Advance) 3.00% 3.00%
    Late Payment Fee 30% of Minimum Amount Due 30% of Minimum Amount Due
    Finance Charge (Reguar) 1.50% 2.00%
    Cash Advance Fee Rs.400 per transaction Rs.400 per transaction
    Overlimit Fee 2.5% of the amount outstanding (minimum – Rs.300) 2.5% of the outstanding amount (subject to a minimum of Rs.300).
    Reward Redemption Fee Rs.75 Rs.75
    Cheque Return Fee Rs.400 Rs.400
    Sales Slip Retrieval Fee Rs.300 Rs.300
    Outstation Cheque Fee Rs.100 Rs.100
    Foreign Currency Mark-up 3.5% 3.5%
    Hotlisting charges Rs.300 Rs.300
    Late payment fee- PBC 30% of MAD, Min: Rs.400, Max: Rs600 30% of MAD, Min: Rs.400 Max, Rs.600
    Late payment fee- PBT 10% of MAD, Min: Rs.100, Max: Rs.200 10% of MAD, Min: Rs.100, Max: Rs.200

    Dhanlaxmi Bank Credit Card Eligibility and Documentation

    Dhanlaxmi Bank Platinum Credit Card: Your minimum annual gross income has to be Rs.6 lakh.

    Dhanlaxmi Bank Hold Credit Card

    • Salaried: Minimum annual gross income has to be Rs.3 lakh
    • Self Employed: Minimum annual gross income should be Rs.4 lakh

    FAQs on Dhanlaxmi Bank Credit Card

    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 credit 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 Dhanlaxmi 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 Dhanlaxmi 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.

    9. What are the Finance Charges - Cash Advances (PBC & PBT) for the credit cards?

      For the Platinum credit card, the finance charge is 36% and for the Gold credit card, the finance charge is 36%.


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    Dhanalakshmi Bank Credit Cards Reviews

    • Dhanalakshmi Bank
      "Need to incrse the limit"
      0.5 4.0/5 "Great!"
      My application has been approved with DHANLAXMI BANK . The rate of interest was very high here . I am using this card for past 5 years . The annual fee is there with this card but if i do transaction of 100000 the fees will be waive off . There is reward points but there is no online facility so cannot get the proper statement .
      Was this review helpful? 2
      , kochi
      Reviewed on Apr 30, 2019
    • Dhanalakshmi Bank
      Dhanalakshmi Bank
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with DHANLAXMI bank 3years back. My overall experience is good with this bank. Mostly i use this card to do shopping, traveling, booking flight and train tickets. I am not satisfied with credit limit it just 90000rs. Customer service is awesome i did not face any issues related to DHALAXMI bank.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jul 24, 2018
    • Dhanalakshmi Bank
      0.5 5.0/5 "Blown Away!"
      I have taken my credit card with DHANALAKHSMI BANK which was taken 8 years back. The credit limit was 55,000 which is satisfactory . The customer service and responses was up to the mark. The benefits are cashback offers and reward points . The charges are very nominal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 12, 2018
    • Dhanalakshmi Bank
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      Dhanalakshmi Bank is good overall in the customer services. I hold a credit card with them. It has been a good experience and the overall services has been good. I have no hassles with the statements and when ever I reach out to them I get a proper response.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 10, 2018
    • Dhanalakshmi Bank
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      I am having he credit card with the Dhanlaxmi bank and they are the best one among am using. The credit limit is around 1 lakh Rupees and am using it from the last ten years of time , also the customer service is working in a good way.
      Was this review helpful? 1
      , chennai
      Reviewed on May 27, 2017
    • Dhanalakshmi Bank
      "I am happy with the card "
      0.5 4.0/5 "Great!"
      I have a Platinum Visa credit card with Dhanalakshmi Bank which is lifetime free. I took it on an offer of no joining or processing fee while I took the card. I use it for retail purchases and utility and other bill payments. The card has a cashback calculated on spends and is a basic card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 04, 2016
    • Dhanalakshmi Bank
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I had taken the Visa credit card from Dhanalakshmi bank when I opened the salary account with them. It was a convenient card as long as the I paid it timely. Though I used for a basic purpose during emergencies, the card did offer good reward pints system.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 14, 2016
    • Dhanalakshmi Bank
      "Good service"
      0.5 3.5/5 "Pretty good"
      I am just using my platinum credit card from dhanalakshmi bank only for emergency purpose. Customer service was good. Provided good promotional offers. Basically I dont use my reward points hence it was started to accumulate . Good
      Was this review helpful? 1
      , coimbatore
      Reviewed on Sep 23, 2014
    • Dhanalakshmi Bank
      "Very comfortable"
      0.5 4.0/5 "Great!"
      Holding a credit card of Dhanalaxmi bank made me more comfortable. I am very happy holding a credit card with this bank however there is no EMI option which is little disappointing. We as a family have fifteen years of relationship with the bank. Rate of interest is affordable. Couple of times I experienced the customer service and I was very happy about the service. Online service is fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2014
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