Dhan Samriddhi RuPay Select Credit Card
Dhanlaxmi Bank · Open to apply
Dhanlaxmi Bank's RuPay Select credit card: no joining fee for new customers and ₹800 a year, waived on ₹1 lakh of spend. It earns 2 reward points per ₹100 at ₹0.05 each, 5% cashback on groceries up to ₹50 a cycle, 1,000 welcome points, one domestic lounge visit a quarter and one abroad every half year, and works on UPI.
- Annual fee
- ₹800 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹1,00,000 spend per card year
- Base rate
- 2 reward points per ₹100: 2 Dhanlaxmi Reward Points per ₹100 (about 0.1% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter; International: 2 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 5% cashback on grocery spends, up to ₹50 a billing cycle: 5% cashback (about 5% at cash value)
Terms the calculator does not value
- Lounge access is subject to the card's T&C; the reward value of ₹0.05 a point is the page's figure and makes the base rate 0.1%.
Sources
- RuPay Dhan Samriddhi 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)
- Dhanlaxmi Bank Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)