Dhani One Freedom Card Review

Dhani One Freedom card is an app-based credit card that comes with some unmatched benefits, it is a unique credit card. That comes with lots of interesting benefits like Cash-Back on every purchase, any time doctor’s consultation, discount on medicine, instant approval, and lots more. More details of the card are given in the article. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 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:

  • 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 photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip. (3 months) 
      • ITR
    • Self-employed person
      • Latest income tax return. 
      • Proof of business
      • Recent audited financial report.

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


  • Joining Fee: ₹500 + GST
  • Monthly fee: ₹200 + GST


  • Cash-Back on all purchases:

With your Dhani One Freedom 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 monthly subscription fee and up to 10% Cash-Back on your monthly EMI installment payments. 

  • Discount on medicines:

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

  • Unlimited doctors access:

With your Dhani One Freedom 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.  

  • EMI facility:

With your Dhani One Freedom Card, you can convert your total monthly bill into interest-free EMI for 3 months. The monthly payment amount will be automatically deducted from your linked bank account.  

  • Instant Approval: 

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

Dhani One Freedom Card offers a credit limit of up to ₹1lakh, but you will get a credit limit according to your eligibility. You will know your credit limit at the time of approval.  

  • App control:

With the Dhani app, you can view all the transactions made with this card with every detail. And if you want to end your subscription, you can do that too without paying any extra charges. 


  • Interest rate: 0% (for a certain period)

Contact Details:

Call: 022-67737800

Mail: [email protected] 

Dispute Resolution Process:

If you notice some unauthorized charges, some mistake in the monthly statement, or if your card is lost or stolen, you should act immediately. You can follow the steps and instructions given below. 

  1. First of all call customer service and narrate then your problem, and you will get detailed instructions on what you should do. But if your card is lost or stolen, you should ask them to block your card immediately. 
  2. If this does not work out then you can lodge your complaint by calling 022-67737800 or you can send your complaint through e-mail at [email protected] 
  3. If your problem is still not solved you can contact the principal nodal officer, you can call at 0124-6037111 or you can mail at [email protected] 

Most of the issues are solved at level 3 but if your problem is still not solved, you can contact the Banking Ombudsman. But before going to the banking ombudsman, you should always try to resolve your issue with the company.  

100xGain Ratings:


Final Opinion:

Dhani One Freedom 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 this card also offers a monthly subscription charge of ₹200, so if you can spend a maximum of ₹2,000 to ₹2,500 in a month with it, then I won’t recommend you this card. to earn benefits from this card you have to spend a big amount monthly.   

3 thoughts on “Dhani One Freedom 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.


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