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Dhanlaxmi Bank credit cards: 3 you can apply for

The best one for most people is Dhanlaxmi Bank RuPay Dhan Samriddhi.

₹900a year after fees, at ₹75,000 a month

Dhanlaxmi Bank RuPay Dhan Samriddhi

₹900 a year, after fees

₹0 joining + ₹800/yr · Lounges in India and abroad · Reward rate 0.1%

Keep

It pays back the most of the 2 Dhanlaxmi Bank cards open to apply that we can value.

Rank all 3 at your own spend in the card finder

Verified 3 sources

Points and where they go

Dhanlaxmi Bank's main points currency is Dhanlaxmi Reward Points, worth ₹0.05 a point; it does not transfer to an airline or hotel.

What Dhanlaxmi Bank cards earn
ProgrammeWorth a pointCardsPartners
Dhanlaxmi Reward Points₹0.052none

1 more card pays cash back. Values are what we think a point is worth in India.

Recent changes

We have no dated change to any Dhanlaxmi Bank card on record.

All 3 Dhanlaxmi Bank cards

Fees run ₹400 to ₹800. We cannot value 1 of them: Dhanlaxmi Bank publishes no fee for that card, so it is listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 2 keep, 1 downgrade, 0 cancel.

Open to apply 3

  1. Dhanlaxmi Bank RuPay Dhan Samriddhi

    ₹900 a year, after fees

    ₹0 joining + ₹800/yr · Lounges in India and abroad · Reward rate 0.1%

    Keep

Filter Dhanlaxmi Bank cards by fee, lounges or forex

Dhanlaxmi Bank in RBI's figures

Cards in force
12,889
0.0% of India's cards
Spent in August 2026
₹8 crore
31% of it online
Spend per card
₹6,561
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The Dhanlaxmi Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official MITC schedule of charges, "RuPay Select" column — Nil joining, ₹800 annual waived at ₹1,00,000 of usage, 3.5% foreign-currency transaction fee, 1.9%/mo revolving finance charge read
  2. Official Product page — 5% cashback on supermarkets and departmental stores capped at ₹50 a month per card, Visa Platinum, ₹6 lakh minimum annual income, and no fee published anywhere read
  3. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read