Dhanlaxmi bank
Credit Card

Dhanlaxmi Bank was founded in 1927. Headquartered at Thrissur, Kerala, it was the brain child of a group of enterprising and ambitious entrepreneurs who believed in working together for the betterment of the society. Almost a century since its inception, Dhanlaxmi Bank still upholds the beliefs and values of its founders. Its vast repertoire of baking services together with focused and customised approach has helped Dhanlaxmi Bank build a huge customer base. Today, with over 600 touch points spread across the country, Dhanlaxmi Bank enjoys a pan India presence.

The bank caters to the distinctive needs of corporate, retail, and institutional investors and helps every client enjoy a unique, one-off banking experience. Its line of operation includes Personal Finance, Corporate Finance, NRI Banking, Micro and Agri Banking, SME Assistance for small and medium level enterprises along with personalised financial planning assistance. The bank also offers overdraft and credit facilities through its range of loan services and credit cards.

Keeping abreast with the customer requirements, Dhanlaxmi Bank in collaboration with VISA cards ventured into the credit card market. The card provides easy and safe access to money. Furthermore, with unique features, numerous benefits and lucrative rewards, Dhanlaxmi Bank?s Credit Card is indeed a shopper?s delight.

Dhanlaxmi Bank Credit Cards are available in two variants

• Gold Credit Card
• Platinum Credit Card

Dhanlaxmi Bank Credit Card offers a range of features and benefits, the same have been listed below.

• Global acceptance as the card can be used in India and abroad at all outlets accepting VISA cards.
• Offers 5% Cash Back on all retail transactions made at supermarkets and departmental stores.
• Allows you to better manage your money with emPower ? the online financial planning tool.
• Offers Cash Advance service at low rate of interest.
• Enjoy free overseas travel insurance cover on every ticket purchased using Dhanlaxmi Bank Credit Card.
• Offers global customer assistance from anywhere in the world for cases of theft, fraud and loss of card.
• Enjoy interest-free period on purchases made on the card.
• Enjoy added security for online transactions through the Visa Secure Code. Generate a One Time Password (OTP) before every online transaction for maximum security.
• Offers lucrative reward points with every swipe of the card.
• Enjoy easy conversion of online purchases into EMIs for payments above 4000 at lowest rate of interest.
• Enjoy Add-On card for near and dear ones.
• Convenient way to pay utility bills online.
• Offers credit card with no annual fee or renewal charges.

The following are the detailed features of Dhanlaxmi Bank Credit Card

Dhanlaxmi Bank Credit Card offers reward points that are linked with every purchase. These reward points can be redeemed from time to time in exchange of a vast variety of gifts ranging from personal belongings, office gear to technological equipment and household utilities featuring in the reward catalogue. The rewards are the same for both Gold and Platinum card holders.

• Minimum reward exchange value = 500 reward points.
• Total of 610 items in reward catalogue.
• Higher spending translates to higher reward points. Heavy card users enjoy more lucrative rewards like LCD TV and Air Conditioner in exchange of over 2,00,000 reward points.

The details of fee charged for both variants of Dhanlaxmi Bank Credit Card are as under:

The charges and finance charges for Dhanlaxmi Bank Credit Card is as mentioned below:

On the bank website: The Dhanlaxmi Bankl Credit Card can be applied online. The applicant is simply required to log on to the official website of the bank and navigate to the Credit Card page. The page can also be reached directly at the link https://www.dhanbank.com/credit-card/

Simply select the type of card you wish to apply for and click on the 'Apply' tab link under the corresponding card. Applicant is required to key in the required information and submit the application.

By visiting the bank: Alternatively, applicant can drop in a written application along with documents at any of the Dhanlaxmi Bank?s branch or at any of the 628 touch points authorised by the bank. Bank associates will then contact you to process the application further.

Through MyMoneyMantra: You can also apply for the Dhanlaxmi Bank Credit Cards through www.mymoneymantra.com. We have experienced experts who will help you through the whole process of credit card application, documentation, and the works to ensure you get your credit card without any hassles and much faster than usual.

To enjoy uninterrupted features of the Dhanlaxmi Bank Credit Card, the applicant is required to fulfil the below mentioned eligibility criteria. The eligibility criterion for both variants of the cards is the same.

• Both Indian residents and non-Indian residents are eligible.
• The applicant can be salaried or self-employed.
• A salaried person should have a Minimum Gross Annual Income of 3,00,000.
• A self-employed person should have a Minimum Gross Annual Income of 4,00,000.
• Applicant should enjoy a healthy credit score.

The following documents must be attached while applying for a Dhanlaxmi Bank Credit Card:

• Photo identification cum address proof - Passport, Voter ID Card, Driving License or Aadhaar Card; any document can be used for the purpose of photo identification cum address proof.
• Income Proof - Income Tax Returns and bank account statements reflecting annual gross income status.
• NRI status proof in case of Non-Resident Indian.

Dhanlaxmi Bank Credit Card customers can make payments for their credit card through any of the below mentioned ways.

• Pay card dues online using own Dhanlaxmi Bank saving or current account.
• Auto Debit facility - Give standing instructions to your bank to deduct Minimum Amount Due (MAD) or Total Amount Due (TAD) automatically from your bank account on the due date.
• Dhanlaxmi Bank Auto Debit: Authorise Dhanlaxmi Bank to deduct Minimum Amount Due (MAD) or Total Amount Due (TAD) directly from your bank account.
• Debit Card: Use any debit card to clear dues online.
• Over-the-counter Payment: Pay card dues over-the-counter at any Dhanlaxmi bank branch across India.
• Cheque or Demand Draft issued in favour of ?Dhanlaxmi Bank? mentioning the 16 digit Dhanlaxmi Bank Credit Card number.

In case of any queries regarding Dhanlaxmi Bank Credit Card, customer can reach the bank in the manner most convenient to them:

• E-mail at customercare@dhanbank.co.in
• Call Customer Care at +91 - 0487 6613000