Dhani Credit Card Review – One Freedom, Apply, Charges, Eligibility

Dhani credit Card Review By Pricemint
Dhani Credit Card

Name: Dhani OneFreedom Credit Card

Description: One Freedom is a non-banking entry-level credit card for new people who are not that familiar with credit cards. mostly, the new individual above 18 or students could be best suitable for that. it offers cashback of 2% on purchasing at all stores online or offline.

2.9
2.9 of 5 stars 1 review
  • Cashback
  • Charges
  • Eligibility
  • Features
  • Discounts

Summary

The overall performance of cashback and discount offers are quite good in the use of the Dhani freedom card. however, the monthly subscription and The cardholder are only eligible to use a credit limit of 10% of the total credit line per day could be the biggest drawbacks.

User Review
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Pros

  • You can earn 2% Cashback on each spending
  • Simple UI
  • Quite Decent EMI Facility With 0 Interest rate On PayBack
  • Per Week New Deals And Discounts
  • Unlimited Access to Doctor

Cons

  • Monthly Subscription Could be Better
  • The cardholder is eligible to use only 10% of the credit limit each day
  • Too Many Customer Calls From The Company

Dhani Credit Card Review: The OneFreedom card is a low-end NBFC credit card distributed or issued by Dhani Firm. It is an Android & IOS App-Based card.

if you are a newbie with credit cards or you are a student who does not have the Best Credit Score to get your first credit card, or you’re finding alternatives to bank-issued credit cards? Dhani OneFreedom cashback credit card could be a non-banking alternative to choose from.

The Dhani Firm is fully owned by the IndiaBulls group. The card comes with the RuPay Payment Network Platform for providing better convenience and fast transactions. Therefore, you can use the card in all offline and online merchant stores across India. The Card focus on Buy Now Pays Later scheme.

The card offers a credit line of 5 lakhs or more for applicants. Moreover, it provides the facility to pay back in 3 months installment with a 0% interest rate. it is a cashback reward-type card. you will get a few discounts and cash back on purchasing.

If you do spend via One Freedom Card, It provides the reward as a form of cashback of 2% on all spending that you made. However, it is a monthly subscription-based credit card Whose monthly subscription charges start from ₹199.

before applying for the card, you should have to know its full information, what are benefits and drawbacks of using the card are. we are going to share with you a detailed review of Dhani’s one freedom credit card for better selection.

Dhani OneFreedom Credit Card Review

Table of Content

Dhani OneFreedom Credit Card Highlight Points *Dhani credit card use*

Dhani Credit Card
Highlight KeysDescription
TypeA Low-End Card (Entry-Level)
Reward TypeCashback And Discounts
Best SuitableFor Students, Salaried, Self Employed, Beginner,
GenreBuy Now Pay Later Non-Banking Card
Annual FeesNo Annual Charges, However, it is a Per Month Subscription Based Credit Card
Benefits– You will earn a reward as a 2% Cashback on All purchases made by One Freedom.
– It provides the facility to cardholders with 24-hour unlimited access to doctors through the app.
– There is no additional interest rate that you have to pay to payment of 3 months installment.
– it provides a discount of 20% on shopping through the Dhani Store.
Additional Features– it provides the feature of a Create a Free Dhani stocks trading account with zero brokerage
– it provides a “Offers of the week” or particular offer page for more discounts and better deals.
– It offers discounts on medicines and immediate doctor consultations.
Customer Care NumberFor customer support, it is the number that you can use for contact – 0124-6555-555.

What are the Benefits OR Features You will Get With The Dhani One Freedom Credit Card?

Dhani Credit Card

The card comes with the scheme of BNPL Which stands for Buy Now And Pay Later To the Company. The applicant can avail of a credit line of ₹5 lakh or more at 0% interest in just a 2-minute process. The Cardholder can use the credit line as per their needs or emergency and pay back in 3 easy interest-free installments or EMI.

Moreover, by the use of the card, The cardholder also Avail 2% cashback on all spending & ₹1,200 cashback on bill payments like Mobile Recharge, Electric bills.

What are Discounts And Cashback While Using the card?

On Dhani App, it has a particular page for discount deals and offers. You can get 30% off or more on a few top brands, such as Zomato, Myntra, etc. Additionally, it provides discounts of around 35% deals on daily need products and medicines with Dhani pharmacy.

Quick features Points or Benefits Offered By OneFreedom Card From Dhani

PointsRead it
Fixed Cashbackit has a fixed 2% Cashback per spending or shopping from the card
Credit LimitIt provides a credit limit of More than 5 Lakh For applicants. however, you can’t use full credit limits in one day.
No-Cost EMIThe applicants are eligible for payback in three non-interest payments. in simple words, you can slice your big purchases into a 3-month installment plan at a 0% interest rate.
Dhani StoreYou can get a 20% discount on deals by the shopping from Dhani store. Through Use of Card
Doctor SupportYou are eligible for healthcare. it offers the facility of unlimited access to doctors and buying low-cost medicines.

What are the Charges of Dhani Credit Card (Fees that applied)

ListCost Details
Card Booking or DeliveryIt has a delivery or Card Booking charge that will be applied, The charge is around ₹99.
Annual ChargesIt has no additional Annual Charges, it is a per month subscription-based credit card
Subscription ChargesThe Subscription monthly fees are based on the credit line issued by Dhani to the cardholder.
According to Credit Line, List of Monthly Subscription Charges– If the Credit Line is Under  ₹5,000, The Monthly Fee is  ₹295
– The Credit line is ₹10,000. The Fee is ₹353 Per Month
– If the Credit Line is around ₹25,000, The Monthly Fee is ₹589
– The Credit limit is ₹50,000, The Fee is ₹825
– The limit of credit is ₹1 Lakh, The Fixed Charges are ₹1061
– If the Credit is ₹2 Lakh, The Charge is ₹1415
– For ₹3 Lakh Credit Line, The Charge is ₹1651
– For the ₹4 Lakh Credit Limit, The Fee is ₹1887
– The Limit of ₹5 Lakh or More, The Fee is ₹2123
TaxYou have to Pay All Monthly Subscriptions and Fees on your Dhani Credit Card With Including GST (Goods and Services Tax) Taxes.
Late Payment Fees Yes, It has late Payment fees charges applicable if you don’t pay your Emi. Moreover, By The use of One Freedom, the late payment fee is a direct bad impact on your credit score too.
Renewal chargesNo Renewal Fee will be applied, However, you have to pay the first month of subscription to activate the card.
EMI Chargesif you pay the monthly installment before the last date. There is no additional interest fee. if you have not paid or missed the EMI Monthly payment, it will charge a 2% interest rate on your amount.
Credit Score ImpactYes, it impacts bad or good credit cibil scores too.

What are the Drawbacks of the Dhani Freedom Credit Card

  1. Late Payment – if you missed or not paid your Dhani credit card loan, it will stop your all facility of 2% cashback per deal. Above All, it impacts negatively on your credit history too.
  2. For Future Use – One of the drawbacks is that if you do not use the card, still you have to pay a subscription per month.
  3. Welcome Benefits – it does not offer any reward and welcome benefits to joining.
  4. Category – The card is not focused on specific categories
  5. Monthly Plan – It is a monthly subscription-based card. so, you have to pay monthly to use and if you do not use the card, still you have to pay. which could be a drawback if we compared other similar entry-level credit cards.
  6. Spend Limit – The Dhani cardholder is only eligible to spend each day 10% of the total credit limit. For Instance, if you have a limit of ₹10 thousand you only spend ₹1,000 each day.

What is the eligibility to approve the Dhani Card?

Everyone is eligible for the card whose age is 18 or above. The applicant must be hold citizenship in India. The salaried individual or self-employed person both are eligible. Moreover, you don’t need to have the best credit score to get the card. it will ask you only for your Aadhaar card to complete the KYC. Unfortunately, If you do not have an aadhaar card.

You can provide additional documents like PAN Card or Government-Approved Home Address Proof to complete the full verification to be eligible for the card.

Additionally, Here are a few criteria that are required to get the card

  • To Quickly Complete The Eligibility For Dhani Credit card, A Good Credit Score Around 750 or Above is compulsory.
  • The applicant must have a consistent source of monthly income.
  • If you already have another credit card, it is quite easy to get this one.
  • Maybe Not necessary but if required they could be asked for your payslip.

Here are the additional Necessary documents that may be asked by Dhani to Complete the Full KYC –

How to Apply For The OneFreedom Credit Card or How you get one

You can apply for the card through Dhani’s official website or you can download the Dhani app from google play for android users. Furthermore, if you have iPhone, The app is also available on the apple app store for download.

  • Firstly, you have to install the Dhani official application on your smartphone.
  • Now, you have to log in through email or mobile number.
  • it will ask you for a set of 4 Digit Pin For More Security.
  • you to have mentioned your Full PAN Number for the jump to dashboard
  • For Applying for a Credit card, you have to tap on Credit Card at the bottom of the page
  • For Approval of the Dhani Freedom Credit Card, You have to complete your verification by providing the documents proof of your personal, address, and income. Your Aadhar is must required to complete the KYC.
  • You have to provide a govt-approved Address to deliver the card to your address within 2 week working days.
  • For activation of the card, it will ask you to pay ₹299 in advance. It may be refundable if you want to cancel the plan.
  • Once you have done your payment, it will be successfully activated for use.

Dhani Credit Card Alternatives To Choose from

if you wish to find another alternative to Dhani one freedom credit card here is a few options to choose from.

FeaturesSlice Super Credit CardFlipkart Axis Bank CardPaytm SBI Card
Cashback2% Unlimited Cashback On All Purchases5% Unlimited Cashback Per purchase through Flipkart and its subsidiaries5% Unlimited Cashback Per Purchase through Paytm mall
TypeLow-EndEntry-LevelLow-End But Better Credit Score May Required
Card booking and Annual FeesFree₹499 + GST₹499 + GST

Summary

If you are a newbie in credit or want a simple credit line that you can pay back within 3 months, it could be an option to choose. However, it is a per-month subscription-based credit card. so, if you do not use the credit line you have to pay the monthly subscription which could be a drawback.

Moreover, it could be an advantage you have to pay one fixed monthly amount to get a credit line, And Additional Benefits Like unlimited doctor access, 2% cashback per spending or shopping, no other hidden charges. it could be beneficial.

By The Performance of the card, The pricemint user review gives it a 3 out of 5-star rating which is quite decent compared to other non-banking credit cards.

More Pricemint Reviews For Credit Cards

Here is the few credit cards review that you can check –

  1. Full Review On Flipkart Axis Bank Credit Card 2022
  2. You can check the non-banking alternative of Dhani here – Slice Credit Card Review
  3. Check Full Detailed Review on HDFC Regalia Credit Card
  4. Here is one of the latest cashback cards – Axis Bank Ace Credit Card Review

If you like the review on Dhani OneFreedom Credit Card, Do share your user review too in the comment section below. Additionally, if you feel the content is useful, do share it on social media for better upcoming reviews and blogs. if you find any content information error or want an update. you can click here to contact us.

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