In today’s digital world, credit cards have become an indispensable tool for managing finances. They provide users with the flexibility to make purchases without having to carry cash and offer a host of benefits such as reward points, cashback, and discounts on transactions. The Dhani One Freedom Card is a relatively new entrant in the Indian credit card market, launched by Indiabulls Dhani, a subsidiary of Indiabulls Ventures Limited. In this article, we will take a closer look at the features, eligibility, benefits, fees, and charges of the Dhani One Freedom Card.
What is Dhani One Freedom Card? The Dhani One Freedom Card is a credit card that offers a range of benefits and rewards to cardholders. It is a co-branded credit card in partnership with Visa and is accepted at all Visa-enabled merchants worldwide. The card is designed to cater to the lifestyle needs of millennials and offers features such as cashback on online transactions, dining discounts, fuel surcharge waiver, and reward points on every transaction.
Dhani One Freedom Card: Key features
Here are some of the key features of the Dhani One Freedom Card:
- Annual fee: The card comes with an annual fee of Rs. 500, which is waived off if the cardholder spends Rs. 1 lakh or more in a year.
- Rewards program: The card offers reward points on every transaction. Cardholders earn 1 reward point for every Rs. 200 spent on the card.
- Cashback on online transactions: The card offers 5% cashback on online transactions, including bill payments, mobile recharges, and online shopping.
- Dining discounts: The card offers up to 15% discount on dining at select restaurants across India.
- Fuel surcharge waiver: The card offers a fuel surcharge waiver of 1% on transactions between Rs. 400 and Rs. 4,000 at all petrol pumps in India.
- Interest-free period: The card comes with an interest-free period of up to 50 days, giving cardholders enough time to repay their outstanding balance.
Dhani One Freedom Card: Eligibility
To be eligible for the Dhani One Freedom Card, you need to meet the following criteria:
- Age: You should be between 18 and 65 years old.
- Income: You should have a minimum monthly income of Rs. 20,000.
- Credit score: You should have a good credit score with no history of defaulting on loans or credit card payments.
Dhani One Freedom Card: Benefits
Here are some of the benefits of the Dhani One Freedom Card:
- Easy application process: The card can be applied for online through the Indiabulls Dhani app, making the process hassle-free and convenient.
- Zero liability: The card comes with zero liability on lost or stolen cards, giving cardholders peace of mind.
- Emergency card replacement: In case the card is lost or stolen, Indiabulls Dhani provides emergency card replacement services within 24 hours.
- 24×7 customer support: The card comes with round-the-clock customer support, making it easy for cardholders to resolve any queries or issues they may face.
How to apply for Dhani One Freedom Card?
Here are the steps to apply for the Dhani One Freedom Card:
- Download the Indiabulls Dhani app from the Google Play Store or Apple App Store.
- Once you have the app installed on your phone, you can apply for the Dhani One Freedom Card in just a few simple steps:
Step 1: Open the Dhani App and click on the ‘Credit Card’ tab.
Step 2: Fill in the required details such as your name, mobile number, email ID, and PAN card number.
Step 3: You will then be asked to verify your mobile number and email ID.
Step 4: After verification, the app will show you the credit limit you are eligible for.
Step 5: If you are happy with the credit limit offered, you can proceed to complete the application by filling in your personal and professional details.
Step 6: Once you have filled in all the details, click on ‘Submit’.
Step 7: You will receive a confirmation message on your registered mobile number and email ID.
Step 8: Your Dhani One Freedom Card will be delivered to your registered address within 7-10 working days.
It is important to note that the approval and credit limit offered by Dhani One Freedom Card is subject to various factors such as your credit score, income, and other eligibility criteria.
Benefits of Dhani One Freedom Card:
The Dhani One Freedom Card offers a range of benefits to cardholders, including:
- High credit limit: The card offers a credit limit of up to Rs. 5 lakhs, making it ideal for big-ticket purchases or emergency expenses.
- Cashback rewards: Cardholders can earn up to 5% cashback on their purchases made using the card.
- Interest-free period: The card offers an interest-free period of up to 50 days, giving you ample time to repay your dues.
- No annual fee: The card comes with zero annual fees, helping you save on unnecessary charges.
- Easy application process: The card can be applied for and managed completely through the Dhani App, making it a hassle-free experience for users.
- Secure transactions: The card comes with advanced security features such as zero-fraud liability, 3D Secure, and CVV, ensuring safe and secure transactions.
- Lifestyle benefits: Cardholders can enjoy a range of lifestyle benefits such as discounts on dining, shopping, and travel.
The Dhani One Freedom Card is a great option for those looking for a hassle-free credit card with a high credit limit and attractive rewards. With easy application and approval processes, along with zero annual fees and advanced security features, this card is definitely worth considering. If you are interested in applying for the Dhani One Freedom Card, simply download the Dhani App and follow the steps outlined above.