Dhanlaxmi Bank Credit Card
Last Updated : Jan. 16, 2025, 5:30 p.m.
If you're a new user, holding a Dhanlaxmi Bank Credit Card is a convenient and hassle-free choice. The Dhanlaxmi Bank Platinum Credit Card offers special features such as reward points, exclusive offers, and discounts. Additionally, the Platinum Credit Card provides benefits like cashback, lounge access, and insurance coverage, making it an excellent option for those looking for value and convenience.
Platinum Credit Card By Dhanlaxmi Bank
The Dhanlaxmi Bank Platinum Credit Card offers exclusive privileges, enhancing your shopping, dining, and travel experiences. It also provides practical solutions for managing your billing and financial planning, making it the perfect companion for those seeking both luxury and convenience.
Fees/ Charges of Platinum Credit Card By Dhanlaxmi Bank
Here are the charges/fees of the Platinum Credit card -
Charges | Fees |
|---|---|
Joining Fee - Primary Card Holder | Nil |
Joining Fee - Add-On Card Holder | Nil |
Annual Fee -Primary Card Holder | 400 |
Annual Fee - Add-On Card Holder | Nil |
Interest Rate | 1.5% P.M (Annualised 18%) |
Cash Advance Fee | 400 per Transaction |
Late Payment Fee | 30% of Minimum Amount Due, Min: 400 Max: 600 |
Rewards Redemption Fee | Rs.75 |
Over Limit Fee | 2.5% of the amount exceeding the limit; Min: 300 |
Interest-Free Credit Period | 20-50 days |
Card Replacement Fee | 300 |
Reissue of PIN Mailer | 100 |
*Taxes apply to all charges.
*No charges for add-on cards.
*Abbreviations: CC – Credit Card; POS – Point of Sale Terminal; TAD – Total Amount Due.
Benefits of Dhanlaxmi Bank Platinum Credit Card
Here are some of the benefits of Dhanlaxmi Bank Platinum Credit Card -
- Platinum privileges across luxury goods, dining, golf & travel: Enjoy exclusive benefits across a wide range of premium categories, making your purchases, dining, golf, and travel experiences even more rewarding.
- Online concierge facility: Get personalized assistance for booking reservations, event tickets, travel plans, and more, providing you with a seamless experience.
- 5% cashback on supermarket and Departmental Store purchases (Subject to a maximum of Rs.50 per month per Card): Save more on your everyday shopping with cashback on supermarket and departmental store purchases.
- Global customer assistance for emergencies: Access 24/7 global support for emergencies, offering peace of mind wherever you are.
- Low-Interest Charges: Benefit from competitive interest rates, making it easier to manage your outstanding balances.
- Complimentary Airport Lounge access facility: Relax in comfort with complimentary access to airport lounges , ensuring a premium travel experience.
Eligibility of Platinum Credit Card by Dhanlaxmi Bank
Age - 18 to 65 years
Age criteria for add-on card - Minimum 18 years of age.
Gross Income per Annum - For Salaried & Self-Employed the minimum annual gross income of Rs 6 lacs.
How to do Dhanlaxmi Bank Platinum Credit Card Repayment?
Here’s how you can make a Platinum credit card repayment from Dhanlaxmi Bank:
DhanSmart - Mobile Banking/Internet Banking:
- You can repay your credit card bill easily through DhanSmart mobile banking or Internet banking. Simply log in to your account, select the "Credit Card Payment" option, and transfer the required amount.
Standing Instruction from your account:
- You can set up a standing instruction (SI) from your savings or current account. This allows automatic repayment of your credit card bill on the due date each month. It's a convenient way to ensure timely payments.
Cash/Cheque Deposit:
- You can visit your nearest Dhanlaxmi Bank branch and deposit cash or a cheque towards your credit card repayment. Ensure that the payment is made in favor of your credit card account.
NEFT/RTGS:
- Use National Electronic Funds Transfer (NEFT) or Real-Time Gross Settlement (RTGS) to transfer funds from any bank to your Dhanlaxmi Bank credit card account. Make sure to use the correct IFSC code and card details to ensure the payment is processed.
Visa Money Transfer through e-Wallets:
- You can also repay your credit card through Visa Money Transfer using supported e-wallets. This allows a smooth and secure payment process directly from your e-wallet to your credit card account.
Each method provides flexibility to repay your credit card bill, allowing you to choose the most convenient option for you.
Summary!
The Dhanlaxmi Bank Credit Card has a Platinum Credit Card with exclusive privileges and financial convenience. Benefits include platinum perks across luxury goods, dining, travel, and golf, along with a concierge service. Cardholders get 5% cash back on supermarket and departmental store purchases, complimentary airport lounge access, global assistance during emergencies, low interest rates, and flexible repayment options via mobile banking, standing instructions, NEFT/RTGS, and Visa Money Transfer. This card is perfect for those seeking a mix of lifestyle benefits and practical financial solutions.
Frequently Asked Questions (FAQs)
