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.
Annual fee
₹800
Joining fee
₹0
Reward type
points
Base reward rate
2%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel, groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: 1 complimentary domestic lounge visit per quarter
- International lounge access: 1 complimentary international lounge visit every 6 months
Benefits by category
- 🛒 Groceries
5% reward rate (capped ₹50/monthly)
- ✈️ Travel
1 complimentary domestic lounge visit per quarter; 1 international lounge visit per half-year
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹40,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 22.8%–42% p.a.
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