Dhan Namaste Visa Platinum Credit Card
Dhanlaxmi Bank · Open to apply
Dhanlaxmi Bank's Visa Platinum credit card, with platinum privileges, an online concierge and 5% cashback on supermarket and department store purchases up to ₹50 a month. Its fees are those the MITC gives for the Visa and RuPay Platinum cards (₹400 a year, waived on ₹50,000 of spend); the page states no reward-point rate.
- Annual fee
- ₹400 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- No base reward rate stated on the card's page: 0% cashback (about 0% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 5% cashback on supermarkets and department stores, up to ₹50 a month: 5% cashback (about 5% at cash value)
Earns nothing on
- No base reward rate stated on the card's page
Terms the calculator does not value
- The page's Lounge Access tab is empty ("Lounge Access" only) and it gives no reward-point rate or value for this card, so only the cashback is entered. Department-store purchases earn the cashback too but have no category of ours.
Sources
- VISA Namaste Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- Dhanlaxmi Bank Credit Cards Most Important Terms and Conditions (schedule of charges) (Most important terms (MITC), the bank's own, read 6 Nov 2026)