Dhani One Freedom Card Review | Dhani Credit Card Review

The dhani credit card is an app-based, instant online credit card that comes with some unmatched dhani credit line benefits like Cash-Back on every purchase, any time doctor’s consultation, discount on medicine, instant approval, and lots more. The main aspect of this dhani bank credit card is the exclusive health benefits that offer you 24×7 free access to doctors. It also offers a very wide dhani credit line at a 0% interest rate, which maximizes your purchase power. More dhani credit card details are discussed below.

Dhani credit card eligibility criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Dhani credit card age limit : Min 20 yrs.  
    • Income: A good steady income is required. 
  • For self-employed person:
    • Age: Min 20 yrs. 
    • Income: A good steady Income is required.
  • Good CIBIL score (750 or more).
  • If you already have a credit card, it will be easier for you to get the card. 

Required Documents for dhani one freedom credit card application:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photograph is also needed to apply for dhani credit card.
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip. (3 months) 
      • ITR (Income Tax Return) 
    • Self-employed person
      • Latest income tax return. 
      • Proof of business
      • Recent audited financial report.

** The Given list of documents is indicative, during dhani credit card application you can be asked for some more documents.  

Dhani credit card fees :

  • Joining Fee: Rs. 500 + GST
  • Dhani credit card monthly chargesRs. 200 + GST

Dhani credit card benefits :

  • Dhani credit card cashback benefit:

With your dhani pay credit card, you will get a 5% discount on all categories including fuel, groceries, bill payments, and lots more. Also, you will get a 20% discount on your dhani card monthly subscription fee and up to 10% Cash-Back on your monthly dhani credit card repayment

  • Dhani pay credit card benefits on medicines:

This dhani credit card offer up to 40% discount on medicines, also they offer guaranteed 1-hour medicine delivery. 

  • Unlimited doctors visit:

With your dhani rupay platinum card, You Will get unlimited doctor’s consultation at any time and for any kind of health issues. You will get your first consultation completely free.

  • Dhani rupay credit card EMI facility:

With help of your dhani instant credit line, you can convert your total monthly bill into interest-free EMI for 3 months. The monthly dhani credit line emi payment amount will be automatically deducted from your linked bank account.  Check your dhani card credit limit before applying for an EMI.

  • Instant approval: 

If you fulfill the dhani credit card eligibility criteria, your dhani freedom credit card will activate within minutes, and you will get a Virtual Copy of the card in your dhaani credit card app. And the physical copy will be delivered to you within a few days. 

This dhani credit card also offers a dhani card limit of up to Rs. 1lakh, but you will get a credit limit according to your eligibility. You will know your dhani credit card limit at the time of approval.  

  • App control:

With the dhani credit card app, you can view all your dhani credit card usage with every detail. And if you want to end your subscription, you can do that too without paying any extra charges. For any queries, you can call the dhani credit card helpline number given below. 

Dhani credit card charges

  • Dhani credit card interest rate : 0% (for a certain period)

Click here for the details of dhani credit card terms and conditions.

Dhani credit card customer care number contact details:

  • Dhani credit card toll-free number: 022-67737800
  • Dhani credit card mail idsupport@dhani.com 

100xGain Ratings:


Final Opinion:

This dhani one credit card is best for those who want to earn Cash-Back from their purchase, it offers a 5% discount on every purchase, up to 40% discount on online medicine orders, anytime doctor’s consultation, Instant approval, EMI facility, and lots more. 

But there are some dhani credit card subscription charges of Rs. 200, so if you can spend a maximum of Rs. 2,000 to Rs. 2,500 in a month with it, then I won’t recommend this instant virtual credit card. To earn something significant out of this dhani pay credit card you will have to spend a big amount monthly. 

So, in this case, I would recommend you to take a look at the alternative card options given below. 

Alternative Cards: 

  1. Bajaj Finserv Shop Smart SuperCard. (Best for cashback benefits)
  2. BOI Visa Gold International Credit Card. (Best for earning a discount on medical-claim)
  3. BOI Rupay Platinum Credit Card. (Best for cashback benefits)
  4. Apollo SBI Card. (Best for healthcare benefits)

11 thoughts on “Dhani One Freedom Card Review | Dhani Credit Card Review”

  1. Its not zero interest. By considering their monthly subscription fee, its better not to opt for it. If you get one lakh limit on the card then monthly subscription would cough Rs. 899/- per month. That means Rs. 10,788/- you are paying for the card under subscription fee whether you are using it or not.

    Moreover, after taking the card one day I got a call saying the first transaction will be of 100% cash back with a transaction amount of upto Rs. 10000/- for any online shopping or card swiping. I later confirmed it by calling Dhani Customer care agents multiple times and then performed the transaction on Amazon of around Rs. 6000/-. I did not even get the cash back. All they say is fraud. I later paid my dues in one go and closed the card.

  2. They are hiding so many things – they never specify monthly charges – why any one should pay charges 500/- per month for holding credit card when all renowned banks give free for life time .

    • Thanks for sharing your opinion. We’ll certainly try to spread more awareness about it and will try to contact the credit card issuer regarding the same.

  3. It’s a worst app I have ever used without taking a loan they r ditching to my account 3 times in a day and der is no response from customer support I have been mailed them 5 months back but still I didn’t get any reply

  4. Dhani One freedom app is number One cheating company in India, then call back to back for subscriptions and the subscription amount is Rs.707/-. after subscription no one will call you back, if we raise a complaint we should fall behind to get resolve but then to it takes more then 1 month to resolve.

    They are the worst service provide in India. Dhani one freedom is Number One fraud company

  5. Totally fraud it’s a big scam in India
    सब्सक्रिप्शन के नाम पर एक लोन आई डी तैयार करना और खामखां लोगों को अपना शिकार बनाना।जबरन वसूली
    Dhani chor hai


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