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.
Rates and fees last verified 19 July 2026.
Annual fee
₹400
Joining fee
₹0
Reward type
cashback
Base reward rate
0%
Card network
Visa
Card tier
Mid
Reward rates by category
- Groceries5% (capped ₹50/monthly)
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–65
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
Applying takes you to Dhanlaxmi Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.