What is the annual fee of the Dhanlaxmi RuPay Dhan Vriddhi Credit Card (RuPay Platinum)?

Rs 400 a year, before GST. It is waived if you spend Rs 50,000 in a year.

Does the Dhanlaxmi RuPay Dhan Vriddhi Credit Card (RuPay Platinum) give airport lounge access?

Yes. In India: 1 per half year. Outside India: none listed. Conditions: T&C apply; RuPay programme.

What is the forex markup on the Dhanlaxmi RuPay Dhan Vriddhi Credit Card (RuPay Platinum)?

3.5% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the Dhanlaxmi RuPay Dhan Vriddhi Credit Card (RuPay Platinum)?

Exclusions are flagged on the product page but not listed.

M16S / Dhanlaxmi Bank / Dhanlaxmi RuPay Dhan Vriddhi Credit Card (RuPay Platinum)

entry · rewards, upi

Dhanlaxmi RuPay Dhan Vriddhi Credit Card (RuPay Platinum)

Dhanlaxmi BankRuPayLast checked 11 Oct 2026

The Dhanlaxmi RuPay Dhan Vriddhi Credit Card (RuPay Platinum) costs Rs 400 a year, waived if you spend Rs 50,000 in a year. Its base return is 0.1% (2 points per Rs 100). Accelerated earn: 5% cashback on grocery spends. The forex markup is 3.5%. Lounge visits in India: 1 per half year. Read from the issuer's own documents on 11 Oct 2026.

Dhanlaxmi RuPay Dhan Vriddhi Credit Card (RuPay Platinum) card design — Card design: dhan.bank.in

Annual fee: Rs 400+ GST
Fee waived at: Rs 50,000annual spend
Base return: 0.1%
Forex markup: 3.5%
Interest: 1.9%a month

Apply on dhan.bank.inOpens the bank’s own page.

Fees

Joining fee	Free
Annual fee	Rs 400
Annual spend that waives the fee	Rs 50,000
Fee notes	Joining nil; annual Rs 400 waived on Rs 50,000 annual spend.

Rewards

Welcome benefit	1,000 points on spends above Rs 10,000 within 90 days of issuance.
Reward currency	Reward Points
Base earn	2 points per Rs 100
Base return	0.1%
Point value	1 point = Rs 0.05 (as shown on the product page)
Accelerated earn	5% cashback on grocery spends
Caps	Grocery cashback capped at Rs 50 per billing cycle
Spends that earn nothing	Exclusions are flagged on the product page but not listed.
Reward notes	base_return_pct = 2 points / Rs 100 x Rs 0.05. Redemption fee Rs 75 for gifts, nil for cash (MITC).

Travel and perks

Domestic lounge	1 per half year
International lounge	None
Lounge conditions	T&C apply; RuPay programme.
Forex markup	3.5%
Fuel surcharge waiver	None described; fuel service charge Rs 10 or 2.5%
Other freebies	Credit card on UPI; EMI conversion.

Charges and eligibility

Interest per month	1.9%
Late payment fee	30% of minimum amount due, min Rs 400, max Rs 600
Cash advance fee	Rs 400 per transaction
Fine-print notes	MITC: revolving finance charge 1.9% a month (22.8% a year); cash advance finance charge 3% a month; default finance charge 3.5% a month from date of default. Joining fee is Rs 400 if the applicant closed a Dhanlaxmi card in the last 3 years. Fuel transactions carry a service charge of Rs 10 or 2.5%; no fuel surcharge waiver is described. Overlimit 2.5% min Rs 300. Cash limit 15% of credit limit. Reward redemption fee Rs 75 for gifts, nil for cash. Aggregators still list an older 'Gold' card that is not on the bank's site.

Questions

What is the annual fee of the Dhanlaxmi RuPay Dhan Vriddhi Credit Card (RuPay Platinum)?: Rs 400 a year, before GST. It is waived if you spend Rs 50,000 in a year.
Does the Dhanlaxmi RuPay Dhan Vriddhi Credit Card (RuPay Platinum) give airport lounge access?: Yes. In India: 1 per half year. Outside India: none listed. Conditions: T&C apply; RuPay programme.
What is the forex markup on the Dhanlaxmi RuPay Dhan Vriddhi Credit Card (RuPay Platinum)?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Dhanlaxmi RuPay Dhan Vriddhi Credit Card (RuPay Platinum)?: Exclusions are flagged on the product page but not listed.