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Platinum Credit Card

Product Details
Credit Card Name : 

Platinum Credit Card

Bank Name :

Dhanlashmi Bank

Type :

Shopping Credit Card

Interest Rate : 

3 % P.M (Annualised 36%)

Eligibility :

For Salaried & Self-Employed: Minimum annual gross income of Rs 6 lacs.

Platinum Credit Card
Pros
  • Rewards: 5% cashback on Supermarkets and Departmental Store purchases, and Platinum privileges across luxury goods, dining, golf & travel. 

  • Other Benefits: Free insurance cover, and Global customer assistance for emergencies. 

Cons
  • No welcome benefit. 

  • Limited offers and Rewards  

  • No airport lounge access facility available.  

  • Very High fuel surcharge waiver fees. 

Pros & Cons
Welcome Benefits

None 

Rewards System
  • 1 reward point for every Rs. 100 spent on all eligible purchases. 

  • 5 reward points for every Rs. 100 spent on dining, supermarkets, and departmental stores. 

  • Value of 1 RP= 0.25 Paisa

  • Effective Cashback Rate: 1.5%

International Forex Markup

IFM- 3.5%

Welcome Benefits and Reward System
Special Features

Budget, review and managment of expenses can be done via app.

Eligibility Criteria

For Salaried & Self-Employed: Minimum annual gross income of Rs 6 lacs.

Benefits
  • Global Acceptance

  • Platinum privileges across luxury goods, dining, golf & travel. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Visit the Dhanlaxmi Bank website and click on the "Apply for Credit Card" tab. 

  • Select the "Platinum Credit Card" from the list of credit cards. 

  • Fill out the online application form and submit it. 

  • You will need to provide the following information in the application form: Your name, address, and contact details Your employment details Your income details Your existing credit card details (if any) You will also need to upload a copy of your PAN card, passport, and recent salary slip. 

  • Once your application is submitted, Dhanlaxmi Bank will review it and let you know the status of your application within a few days.

Contact Details

1800 425 1747 / 044 42413000

Account Opening and Procedure
Platinum Credit Card Dhanlakshmi Bank

The Dhanlaxmi Bank Platinum Credit Card offers a good combination of benefits for individuals who value cashback, travel convenience, and access to airport lounges. However, the average rewards rate for non-specific categories and the high interest rate are limitations to consider. If these factors are not dealbreakers for you, the card can be a good choice for everyday spending, especially with its lifetime free annual fee.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining Fee - Primary Card Holder Nil  

  • Joining Fee - Add On Card Holder Nil  Annual Fee -Primary Card Holder INR 400 

  • Cash Advance Fee 400 per Transaction 

  • Interest Rates: 3% P.M (Annualised 36%) 

  • Late Payment Fee 30% of Minimum Amount Due, Min: 400 Max: 600 

  • Foreign Currency Transaction Fee 3.5% 

  • Reward Redemption Fee 75 [for gifts] Nil for cash redemption

Fuel Surcharge
  • Fuel Surcahrge: 2.5% Surcharge on Fuel transaction value or Rs.10, whichever is higher.

Billing Cycle

30 Days

Fees & Charges
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