Dhanlaxmi Bank · Mid
Dhan Samriddhi Credit Card
Where it ranks across all 187 cards
#140 Groceries
0.5%
direct
#33 Fuel
0.1%
direct
#63 Wallet load
0.1%
direct
#99 Education
0.1%
direct
#101 Insurance
0.1%
direct
#116 Utility bills
0.1%
direct
#136 Jewellery & watches
0.1%
direct
#140 Gaming
0.1%
direct
#152 Mobile / broadband
0.1%
direct
#169 Train tickets
0.1%
direct
#173 Cabs & transit
0.1%
direct
#180 Dining out
0.1%
direct
#180 Flights
0.1%
direct
#180 Hotels
0.1%
direct
#180 Electronics
0.1%
direct
#180 Health & pharmacy
0.1%
direct
#180 Other
0.1%
direct
#182 Online shopping
0.1%
direct
#182 Movies & events
0.1%
direct
#182 Fashion
0.1%
direct
#183 Food delivery
0.1%
direct
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Points valued at ₹0.05/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
0.10%base rate
2 pts / ₹100
source
Source: Dhanlaxmi Bank - RuPay Dhan Samriddhi Credit Card - dhan.bank.in - read 4 Oct 2026
5% cashback on grocery spends
5.00%this rule
5% cashback
source
Source: Dhanlaxmi Bank - RuPay Dhan Samriddhi Credit Card - dhan.bank.in - read 4 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
EMI
earns nothing
Purchases converted to EMI earn no reward points.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Dhanlaxmi Bank Credit Card Terms & Conditions (PDF) - dhan.bank.in - read 4 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.