All cards / Dhanlaxmi Bank
Dhan Samriddhi Credit Card
Dhanlaxmi Bank's top-tier RuPay Select card adds more frequent lounge access than the Vriddhi variant, but reward rates and benefit disclosures remain thin versus mainstream competitors.
Rates and fees last verified 19 July 2026.
Annual fee
₹800
Joining fee
₹0
Reward type
points
Base reward rate
2%
Card network
RuPay
Card tier
Mid
Reward rates by category
- Groceries5% (capped ₹50/monthly)
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹40,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 1,000 bonus points for spending over ₹10,000 within 90 days of card issuance
- 1 complimentary domestic lounge visit per quarter; 1 international lounge visit per half-year
- 5% cashback on grocery spends, capped at ₹50 per billing cycle
- EMI conversion option and RuPay Credit Card on UPI support
Pros
- + Quarterly domestic + half-yearly international lounge access
- + RuPay Select network perks
- + UPI-linked spending
Cons
- − ₹800 annual fee needs ₹1L spend to waive
- − Reward rate still only 2 pts/₹100 with no listed travel/dining/fuel multipliers
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.