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CASHBACK CARD

VISA Namaste Credit Card

Dhanlaxmi Bank

Visa credit card with 5% cashback on supermarket and departmental store purchases, an online concierge facility and global customer assistance for emergencies.

Supermarket and departmental store cashback is capped at ₹50 per month per card. Minimum annual gross income of ₹6,00,000 applies for salaried and self-employed applicants.

VISA Namaste Credit Card
ANNUAL FEE
Not stated
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
5% cashback on supermarket and departmental store purchases
BEST FOR
Included: May suit cardholders whose regular spends are at supermarkets and departmental stores
Included: May suit regular supermarket and departmental store shoppers
Included: May suit those who pay utility bills through BBPS using the card
Limitation: Those wanting higher cashback may wish to compare other cards.
Limitation: Those seeking larger cashback, given the ₹50 monthly cap may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Card bill can be repaid via DhanSmart mobile/internet banking, standing instruction, cash/cheque deposit, NEFT/RTGS, Visa Money Transfer or BBPS
Condition: The page lists OTP for IVR / mobile transactions and Verified by VISA as security features

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
Not stated
Fee waived at
Not stated
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
Not stated
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 5% cashback on supermarket and departmental store purchases
Included: Online concierge facility
Included: Global customer assistance for emergencies
Included: BBPS bill payment facility for credit cards, including utility bills such as electricity, water and gas
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.