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.
Annual fee
₹400
Joining fee
₹0
Reward type
points
Base reward rate
2%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in groceries, utilities. 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 airport lounge visit every 6 months
Benefits by category
- 🛒 Groceries
5% reward rate (capped ₹50/monthly)
- ✈️ Travel
1 complimentary domestic airport lounge visit per half-year
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- 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
- 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