Dhanlaxmi Bank RuPay Select Credit Card

Lifetime free RuPay credit card from Dhanlaxmi Bank with UPI support.

JOIN: LTF
ANNUAL: LTF
REWARDS: 0.5% to 2%
APR: 45.00% p.a.

RUPAY CREDIT Select Plastic VIRTUAL OK

§ BENEFITS

rewards

Reward Points

1 RP per ₹100

fuel

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400–₹5,000

1% waiver

§ ELIGIBILITY

Employment: Salaried / Self-Employed
Min annual income: ₹2,40,000
Min monthly salary: ₹20,000
Age: 21 – 65
Min credit score: 700
Existing account?: Not required
Invitation only?: No

§ FEES

Joining fee: Lifetime free
Annual fee: Lifetime free
APR (monthly): 3.75% p.m.
APR (annual): 45.00% p.a.
Late payment fee: ₹1,000
Over-limit fee: ₹500
Cheque bounce: ₹500
Grace period: 50 days
Min due: 5%

§ ATM & CASH

Own bank free / month: 5
Own bank charge: ₹20
Other bank free / month: 3
Other bank charge: ₹20
International withdrawal: ₹125
Cash advance fee: 2.5%

§ TRANSACTIONS

Currency markup: 3.5%
DCC fee: 1%
Cross-border fee: —
SMS alert / month: ₹25
PIN regen: ₹50
Physical statement: ₹100

§ FUEL

Surcharge waiver: 1%
Min txn: ₹400
Max txn: ₹5,000
Max waiver / cycle: ₹250
Networks: All

§ LIMITS

ATM / day: ₹40,000
POS + e-com / day: ₹2,00,000
Contactless / txn: ₹5,000
Contactless / day: ₹25,000

§ INSURANCE

Accidental death cover: —
Permanent disability: —
Air accident: —
Travel insurance: —
Baggage: —
Lost-card liability: ₹2,50,000
Purchase protection: —

§ REWARDS

Programme: Dhanlaxmi Bank Rewards
Earn rate: 1 RP per ₹100
Point value: ₹0.25
Effective cashback: 0.50%
Min redemption: 500 pts
Expiry: 2 years from date of accrual

§ LOUNGE

Lounge access: Not available

Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Dhanlaxmi Bank and earns no commission on applications.