Dhanlaxmi Bank Gold Credit Card

The many features of Dhanlaxmi Bank Gold Credit Card are:

• The card provides 5% cash back for transactions done in supermarkets and departmental stores
• EmPower helps users in reviewing and managing their expenditures
• Customers can expect assistance from the bank in case of emergency no matter where they are
• The interest charged on this credit card is quite low

Benefits that customers can enjoy on using this credit card are:

• There is no joining fee
• Add-on card can be availed free of cost
• There is no annual fee charged on the card.
• Users get air accident insurance cover up to Rs. 20 lakh
• Purchase protection worth Rs. 1 lakh is also provided up to 90 days from the date of purchase
• Insurance up to Rs. 2 lakh against Accidental death or Permanent Total Disability is also provided
• The reward points collected through eligible transactions can be redeemed on products from the reward catalogue
• The Reward Points earned are valid for 2 years

Please Note: Dhanlaxmi Bank is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only. 

The fees and charges associated with this card are:

Category	Amount
Joining Fee	Nil
Renewal Fee	Nil
Add-on Card Fee	Nil
Finance Charges	Normal – 2% p.m./24% p.a. Cash Advance – 3% p.m./36% p.a. Default – 3.5% p.m./42% p.a.
Cash Advance Fee	Rs. 400
Foreign Currency Transaction Fee	3.5%
Cash Limit	10% of Credit Limit
EMI Processing Fee	1% of amount/ Min. Rs. 200
Card Replacement Fee	Rs. 300
Interest-Free Credit Period	18 – 48 Days
Reward Redemption Fee	Rs. 75
Over Limit Fee	2.5% of amount/Min. Rs. 300
Late Payment Fee	30% of MAD/Min. Rs. 300
Cash Advance Fee	Rs. 400 per Transaction

The eligibility norms to avail Dhanlaxmi Bank Gold Credit Card are:

• Salaried individuals must have an annual gross income of at least Rs. 3 lakh
• Self-employed individuals must have an annual gross income of at least Rs. 4 lakh

Applicants can visit the nearest Dhanlaxmi Bank branch to apply for this credit card. A bank official who will guide them through the process. They should preferably take all the relevant documents with them so that initial application can be completed on the same day.