All cards / Dhanlaxmi Bank
Dhan Vriddhi Credit Card
An entry-level RuPay Platinum card from Dhanlaxmi Bank offering UPI-linked spending and a small welcome bonus, best suited to those who value basic RuPay/UPI acceptance over rich rewards.
Rates and fees last verified 19 July 2026.
Annual fee
₹400
Joining fee
₹0
Reward type
points
Base reward rate
2%
Card network
RuPay
Card tier
Entry
Reward rates by category
- Groceries5% (capped ₹50/monthly)
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- 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 airport 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
- + No joining fee, low ₹400 annual fee
- + Supports RuPay Credit Card on UPI
- + Welcome bonus on early spend
Cons
- − Modest reward rate (2 pts/₹100) and low grocery cap
- − Lounge access limited to twice a year
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.