Dhanlaxmi Bank Credit Cards
Last Updated : Sept. 12, 2019, 4:37 p.m.
Dhanlaxmi Bank Credit Cards – If you are a new user to hold the credit card so no need to think or go anywhere. Dhanlaxmi Bank provides two different kinds of credit card with your needs that is Gold Credit Card and Platinum Credit Card. This both the cards are very attractive with special features and benefits.
Types of Cards
Gold Credit Card
Platinum Credit Card
Dhanlaxmi Bank Gold Credit Card Eligibility Criteri a
This card provides you special benefits, features, rewards points and very attractive cash back to use the card.
– Both are eligible to take credit card Salaried and Self-Employed.
– Minimum annual gross income of Rs. 3 Lacs for Salaried.
– Minimum annual gross income of Rs. 4 Lacs for Self-Employed.
Features of Gold Credit Card
- This card offers you 5% cash back on purchasing from super market and Departmental store.
- This card provides free insurance cover which includes Rs. 20 Lacs in air accidental in (death case only.)
- Its provides global customer assistance for emergencies.
- This card do not charge any annual, joining and renewal fees also NIL charges to add-on card holders.
- An IVR transaction is carried out by using a credit card via telephone, mobile buy using credit card.
- Get attractive rewards points on every purchase.
- This card is fully verified by VISA.
- Rs.1 Lacs in purchase protection for 90 days from purchase.
- Up to Rs. 1 Lacs to credit shield will be payable on accidental death and PTD.
Dhanlaxmi Bank Platinum Credit Card Eligibility Criteria
This card is privilege specially designed card with special features and benefits for Salaried and Self-Employed people. This card offers dinning and travel experience.
– Both are eligible to take credit card Salaried and Self-Employed.
– For both Salaried and Self-Employed the minimum annual gross income of Rs. 6 Lacs.
Features of Platinum Credit Card
- This card offers special features for platinum privileges across goods, dinning, golf and travel.
- It has online concierge facility for the platinum credit card holders.
- Get 5% cash back on purchase from supermarket and departmental store.
- Avail the facility of free insurance cover.
- Get attractive rewards points on every purchase.
- This card is fully verified by VISA.
Dhanlaxmi Bank Credit Cards Facility avail for Air travel related Insurance
- Air accidental insurance (death case only) of Rs. 35 Lacs.
- Rs. 10 Lac in purchase protection for 90 days from purchase.
- Up to 10 Lacs to credit shield will be payable on accidental death and PTD.
- Up to Rs. 25000/- of loss of check in baggage.
- Loss of documents while traveling is USD 500
- If you missed flight due transshipment is USD 300
- Delay in receipt of checked goods international more than 12 hours USD 300
- Flight delay international over 12 hours USD 250
Credit Card Payment Methods
- Electronic Clearing Service (ECS) – You can just simple visit the bank website download ECS form and pay through the ECS.
- Auto Debit – Auto debit is a payment facility offered to you by the bank through which money is deducted directly from your account on a specified date.
Service Charges & Fee
| Charges | Gold Credit Card | Platinum Credit Card |
|---|---|---|
| Joining Fee (Primary Card Holder and Add-on) | NIL | NIL |
| Annual Fee (Primary Card Holder and Add-on) | NIL | NIL |
| Cash Advance Fee | Rs. 400/- Per Transaction | Rs. 400/- Per Transaction |
| Service Charges (Railway Booking) | Point of Sale - Rs.30+2.5% and online - 1.8% | Point of Sale - Rs.30+2.5% and online - 1.8% |
| Service Charges (Fuel Transaction) | Rs. 10 or 2.5% | Rs. 10 or 2.5% |
| Late Payment Fee | 30% of MAD and minimum Rs. 400/- and maximum Rs. 600/- | 30% of MAD and minimum Rs. 400/- and maximum Rs. 600/- |
| Over-limit Fee | 2.5% of the amount exceeding the limit and minimum Rs. 300 | 2.5% of the amount exceeding the limit and minimum Rs. 300 |
| Renewal Fee | NIL | NIL |
| Reward Redemption Fee | Rs. 75/- | Rs. 75/- |
| Financial Charges (Regular) | 2% per month (Annual 24%) | 1.5% per month (Annual 18%) |
| Finance Charges (Cash Advance) | 3% per month (Annual 36%) | 3% per month (Annual 36%) |
| Finance Charges (Default from the date default) | 3.5% per month (Annual 42%) | 3.5% per month (Annual 42%) |
| Cheque Return/ Standing instruction dishonor charges | Rs. 400/- | Rs. 400/- |
| Card Replacement Fee | Rs.300/- | Rs. 300/- |
| Reissue of Pin mailer | Rs.100/- | Rs.100/- |
| Sales slip retrieval charges | Rs. 300/- | Rs. 300/- |
| Duplicate Statement Generation | Rs. 100/- | Rs. 100/- |
| EMI Processing Fee | 1% of converting amount and minimum Rs. 200/- | 1% of converting amount and minimum Rs. 200/- |
| Outstation Cheque Collection | Rs. 100/- | Rs. 100/- |
| Foreign Currency Transaction Fee | 3.50% | 3.50% |
| Empower Tool Annual Fee | NIL | NIL |
| Reward Annual Fee | NIL | NIL |
| Cash limit as % of total limit | 10% | 15% |
| Minimum Amount due | 5% TAD Min Rs. 200/- | 5% TAD Min Rs. 200/- |
| Interest Free Credit Card Period ( Applicable only on retail purchase and if previous month balance outstanding is paid in fully by due date) | 18-48 Days | 20-50 Days |