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| Credit Card | Annual Fee | Key Feature |
| Dhanlaxmi Gold Credit Card | Nil | 5% cashback on supermarkets and departmental store purchases |
| Dhanlaxmi Platinum Credit Card | Nil | Platinum privileges across luxury goods, dining, golf and travel |
Dhanlaxmi Bank provides 2 credit cards under the name- Gold Credit Card and Platinum Credit Card. Both the cards come with advantages and benefits including cashback, insurance cover, travel and more. Given below are significant features of both the cards:
Best Suited For: Cashback
Cashback- Get 5% cashback on all supermarket and departmental store purchases.
Low-Interest Charges- The interest charges on the card is 2.00% p.m (24% annually) which is comparatively much lower.
Customer Assistance- Avail 24×7 global customer assistance service for all emergencies.
Financial Planning Tool- Now budget and manage your finances with emPower (online financial planning tool).
Free Insurance Cover- Get free insurance cover on the following categories:
Best Suited For: Shopping
Cashback- Avail 5% cashback on all Supermarkets and Departmental Store purchases.
Low-Interest Charges- The interest charges on the card is 1.50% p.m (18% annually) which is comparatively lower than any other card.
Customer Assistance- Avail 24×7 global customer assistance service for all emergencies.
Financial Planning Tool- Now budget and manage your finances with emPower (online financial planning tool).
Concierge Services- Get concierge services and call anytime, 24 hours a day. The service can help you find tickets to the top sports and entertainment events, book travel, make dinner reservations, and even help you find the perfect gift.
Free Insurance Cover- Get free insurance cover on the following categories:
Platinum Privileges- Get additional benefits on luxury goods, dining, golf and travel.
Similar Card: Standard Chartered DigiSmart
Please Note: Dhanlaxmi Bank is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only.
| Description | Fees / Charges |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Add-On Card | Nill |
| Interest Rate | Platinum: 1.5% P.M (Annualised 18%)
Gold: 2% P.M (Annualised 24%) |
| Cash Advance Fee | Rs.400 per transaction |
| Late Payment Fee | 30% of MAD (Min:Rs.400, Max: Rs. 600) |
| Card Replacement Charges | Rs.300 |
| Rewards Redemption Fee | Rs.75 |
| Interest Free Credit Period | Platinum: 20-50 days
Gold: 18-48 days |
| Foreign Currency Transaction Fee | 3.50% |
Dhanlaxmi Bank has set certain criteria to be eligible to apply for a credit card. Apart from the income criteria given below the other parameters include your age, credit score, history etc.
| Income Criteria | ||
| Gross Annual Income | Gold Credit Card | Platinum Credit Card |
| For Salaried | Minimum annual gross income of Rs.3 lakh | Minimum annual gross income of Rs.6 lakh |
| For Self Employed | Minimum annual gross income of Rs.4 lakh | Minimum annual gross income of Rs.6 lakh |
Below given is the list of documents required to be submitted along with your credit card application form.
| Proof of Identity | PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement |
| Proof of Income | Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement |
You can apply for any credit card variant by Dhanlaxmi Bank either online or offline. Follow the below-listed steps to apply for your credit card:
Online-
Step 1- Visit the official website of Dhanlaxmi Bank.
Step 2- From the ‘Personal Banking’ section on the homepage, click on ‘Credit Card’ option.
Step 3- In the newly opened page, select your preferred credit card (Gold / Platinum).
Step 4- Click on the ‘Apply’ option and proceed further.
Step 5- Fill the credit card application form with all the required details.
Step 6- After completing the form, click on the ‘Submit’ option.
Step 7- The bank will review your application and upon further verification will contact you for further process of documentation.
Offline-
Visit the nearest Dhanlaxmi Bank Branch and ask for the credit card application form. Fill the form with all the required details and submit the duly filled form along with all the required documents. Upon successful verification, the bank will dispatch your credit card to the registered address.
You can contact the customer care for any unresolved query via call, email and SMS. Given below are the contact details:
Official Inbound / Outbound Number: +91-0487 6613000
Email ID: customercare@dhanbank.co.in
Postal Address: Mr.Manikandan P Chief General Manager, Dhanlaxmi Bank Ltd, Corporate Office, Naikkanal, Thrissur, Kerala State – 680001
Will there be any joining fee for credit cards?
No, there is no joining fee for any of the credit card variant.
How can I make my credit card bill payment?
The payment can be made via internet banking or by visiting the nearest bank branch.
Is there any separate fee for foreign currency transaction?
Yes, there will be a charge of 3.5% for foreign currency transactions.
Can I get an add-on credit card?
Yes, you can get an add-on credit card and there is no joining or annual fee associated with it.