All cards / Dhanlaxmi Bank
Dhan Namaste Credit Card
A legacy Visa Platinum card from Dhanlaxmi Bank with a modest grocery cashback and no joining fee, but thin public disclosure on lounge/insurance specifics and a high 3.5% forex markup.
Annual fee
₹400
Joining fee
₹0
Reward type
cashback
Base reward rate
0%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0% base rate
- Domestic lounge access: Complimentary domestic airport lounge access (frequency not disclosed by issuer)
- Golf: Platinum privileges include golf access per issuer marketing; specific rounds/venues not disclosed
Benefits by category
- 🍽️ Dining & food delivery
Online concierge facility for travel, dining, and lifestyle assistance · Platinum privileges across luxury goods, dining, travel, and golf
- 🛒 Groceries
5% reward rate (capped ₹50/monthly)
- ✈️ Travel
Complimentary domestic airport lounge access
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3.5%
- Interest rate: 22.8%–42% p.a.
Benefits
- Complimentary domestic airport lounge access
- Online concierge facility for travel, dining, and lifestyle assistance
- Platinum privileges across luxury goods, dining, travel, and golf
- 5% cashback on supermarket/departmental store spends, capped at ₹50 per month
Pros
- + No joining fee
- + Annual fee waived on ₹50,000 spend
- + 5% grocery/supermarket cashback
Cons
- − High 3.5% forex markup
- − Reward/benefit details sparsely disclosed on official site