Dhanlaxmi Bank Gold Credit Card

Dhanlaxmi Bank Gold Credit Card
Dhanlaxmi Bank Gold Credit Card

Card Details

  • Enjoy 5% cashback on supermarkets and departmental store purchases.
  • Easily manage your budget and expenses with emPower – an online financial planning tool.
  • Avail free insurance cover
  • Get help with global customer assistance for emergencies.
  • Get Air Accident Cover of Rs. 20 Lacs.
  • Enjoy lost card liability cover of Rs. 1 Lac.
  • Avail credit shield of up to Rs. 1 Lac on death or permanent disability.
  • Enjoy purchase protection of Rs. 1 Lac.

Pros & Cons

ProsCons
Low-Interest Rates
Air Accident Cover
Cash Back
Zero Annual Fee
Zero Add-on Card Charges
Lost Card Liability Cover
Purchase Protection
No Lounge Access
No Joining Perks

Fee Details

  • Annual Fee: Nil
  • Joining Fee: Nil
  • Add-on Card fee: Nil
  • Card Replacement fee: Rs. 300
  • Late Payment Fee: 30% of Monthly Amount Due, subject to min Rs. 300 to max Rs. 600.
  • APR: 2% p.a. Or 24% p.a. And 3.5% p.m or 42% p.a. In case of default.
  • Cash Withdrawal fee: Rs. 400 per transaction
  • Cash Advance Charges: 3% p.m or Annualised 36%
  • Min Payment: 5% of total account balance, subject to min Rs. 200

Eligibility Criteria

  • Minimum annual gross income of Rs 3 Lacs for Salaried Individuals.
  • Minimum annual gross income of Rs 4 Lacs for Self Employed Individuals.

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