Dhanlaxmi Bank Credit Card Reward Points

About Redeeming Your Credit Card Reward Points

1. Once you’ve started using your credit card, you are entitled to earning credit card reward points. Some banks give welcome rewards, where once the customer becomes a credit card holder, they will get welcome points credited to their account.
2. For every Rs. 100 spent, you will earn a set of reward points.
3. When high value purchases like jewelry are made, more reward points are added.
4. To start redemption, you should have a minimum number of points which varies from credit card to credit card. For Dhanlaxmi Bank credit cards, minimum of 500 points are needed.
5. There are times when you would want to accumulate your credit reward points for a long period of time and use them to purchase something big. But that might not work out as credit reward points have expiry dates. So, you should be aware of when the reward points would expire.

Dhanlaxmi Bank Gold Credit Card

Gold Credit Card offers benefits like cashback, special offers and reward planning to the cardholder. Getting all these added features makes shopping more enjoyable. With the Gold credit card, an expense manager will be tracking your spending patterns and all your expenses.

Following are the features of Dhanlaxmi Bank Gold Credit Card:

1. 5% cashback on supermarket and departmental store purchases.
2. An online financial planning tool (emPower) provided by Dhanlaxmi Bank enables you to budget, review and manage your expenses.
3. There is a credit card travel overseas insurance cover provided to the customers who opt for the Gold credit card.
4. Customer assistance is provided by Dhanlaxmi Bank from anywhere around the globe.
5. Low interest charges.
6. Customers can subscribe to SMS alerts provided by Dhanlaxmi Bank.
7. Eligibility to apply for the card.

Gross Income per Annum.

1. Minimum annual gross income of Rs 3 lakhs is required for salaried individuals using the Gold credit card.
2. Minimum annual gross income of Rs 4 lakhs is required for self-employed individuals using the Gold credit card.

1. Verified by Visa is designed to make online purchases more secure.

Dhanlaxmi Bank Platinum Credit Card

Platinum Credit Card will offer you a pleasurable shopping experience with a lot of privileges. It also offers practical solutions to take care of your financial and billing needs. By using Dhanlaxmi Bank Platinum Credit Card, dining at the finest restaurants and quenching your wanderlust becomes a dream come true.

1. 5% cash back on supermarket, departmental store, movie ticket purchases.
2. Exclusive Platinum deals on travel, golf, dining and shopping.
3. Online concierge facilities are provided to Platinum credit card holders.
4. An online financial planning tool (emPower) enables you to budget, review and manage your expenses.
5. There is a credit card travel overseas insurance cover provided to customers who opt for the Platinum credit card.
6. Customer assistance provided by the Dhanlaxmi Bank, from anywhere around the globe.
7. Low interest charges.
8. Customers can subscribe to SMS alerts provided by Dhanlaxmi Bank.
9. Eligibility to apply for the card.

1. Minimum annual gross income of Rs 6 lakhs is needed for salaried and self-employed individuals.

1. Verified by Visa is designed to make online purchases more secure.

Gift Items that can be redeemed with the credit reward points

There are over 600 items to choose from using your credit card reward points that consist of apparel to air conditioners.

A few of the items are listed below

Terms and Conditions of Dhanlaxmi Bank Credit Card Reward Points

1. Dhanlaxmi Bank customer assistance will be able to answer further queries on reward points or cash back policies.
2. Reward redemption fee of Rs. 75 is to be paid for both Dhanlaxmi Bank Gold Credit Card and Dhanlaxmi Bank Platinum Credit Card.
3. Items that are redeemable with your credit card reward points are:
   1. Apparels
   2. Office Tools
   3. Health and safety items
   4. Games
   5. Home appliances
   6. Gadgets
   7. Tools and Lights
   8. Cookware
   9. Electrical appliances
4. Rewards can be redeemed only through internet banking.
5. Dhanlaxmi Bank may from time to time add any other mode for redeeming his or her reward points. Reward points will have a validity period of 2 years only.
6. Reward points can be redeemed only by the primary cardholder and reward points cannot be transferred to another cardholder.
7. There cannot be any cashback transactions for the reward points that are acquired by the customer.
8. Retail transactions transferred to EMI will not earn any reward points.
9. The balance transferred from the Cardholders other credit card account will not earn any rewards points.
10. Cardholders that have an overdue status will not be eligible to redeem reward points accumulated on their accounts.
11. If the customer cancels his or her credit card, all the credit points will be purged, that is, they will be of no use to the customer from then on.
12. If a particular gift is out of stock, the customer is entitled to choose any other item from the catalogue as per the number of reward points he/she can use.

FAQs: Dhanlaxmi Bank Credit Card Reward Points

1. How can I check out the items provided for the reward point redemption?

Reward catalogues can be viewed on the Dhanlaxmi Bank’s official website. According to the points redeemed, items can be chosen likewise. The more points you earn, the more diverse are your options to get the desired products you need.

2. Do Dhanlaxmi Bank Gold Credit Card and Dhanlaxmi Bank Platinum Credit Card have different reward point redemption items?

Both the Gold Credit Card and Platinum Credit Card have the same reward catalogue that can be viewed on the Dhanlaxmi Bank’s official website. But Platinum Credit Card offers an extra feature where customers get deals on shopping, golf and travel.

3. What are the minimum points to start redeeming my reward points?

500 points are needed for a minimum redemption from the online reward catalogue that can be viewed on the Dhanlaxmi Bank’s official website. You can keep tabs on your reward points and then redeem them for an item that you have been wanting to get from the reward catalogue.

4. Should I pay a Reward Redemption fee before I can use my credit reward points?

An amount of Rs. 75 should be paid as a Reward Redemption fee for both Gold Credit Card and Platinum Credit Card, provided by Dhanlaxmi Bank.

5. Can I exchange my reward points for money?

Reward points cannot be exchanged for money. Instead, you can look up the reward catalogue that is provided in Dhanlaxmi Bank’s official website, to redeem your credit points for an exciting range of products.