FAQ's

Dhani OneFreedom is a RuPay powered card that offers a credit limit of up to 5 lacs @0% interest.OneFreedom features & benefits incude:
  • Credit Limit of up to 5 lacs @0% interest
  • 2% instant cashback on all payments
  • 45% off on Daily Needs, Groceries, Household Items at Dhani Store
  • Additional discounts on Amazon, Flipkart, Zomato, and many other brands
  • Free trading account @zero brokerage with Dhani Stocks
  • Divide your spends in 3 parts, repay only principal over 60 days
  • Accepted at 1 crore+ RuPay merchants both online & offline
  • No bank mandate

This card is accepted at 1 crore+ RuPay merchants both online & offline.

Dhani OneFreedom card can be availed in 3 simple steps.
  1. Visit the Dhani app or website (dhani.com) and visit the Dhani OneFreedom tab
  2. Complete your KYC using PAN & Aadhaar Card
  3. Get Dhani OneFreedom card in 3 minutes
Dhani card is not a traditional credit card as it offers a credit @0% interest and is bundled with a number of additional benefits like:
  • 2% instant cashback on all payments
  • ₹1,200 cashback on utility bill payments
  • 45% off on Daily Needs, Groceries, Household Items at Dhani Store
  • Additional discounts on Amazon, Flipkart, Zomato, and many other brands
  • ree trading account @zero brokerage with Dhani Stocks
Dhani OneFreedom card is a RuPay powered card which is accepted over 1 crore+ online and offline merchants. It can be used easily for all your online and offline transactions.
While using offline:
Just swipe your Dhani OneFreedom physical card and enter your secret PIN. Money will be deducted from your daily credit limit and will automatically be converted into 3 interest-free payments
While using online:
  • Click on the 'Debit Card' payment option while making your online purchase
  • Enter your 16 digit Dhani OneFreedom card details
  • Save your card for hassle-free use in the future
  • Money will be deducted from your daily credit limit and will automatically be converted into 3 interest-free payments
A credit line allows you to make purchases and repay them later in installments. Dhani offers a personal line of credit of up to ₹ 5 lakh @0% interest and exciting cashback plus rewards on all spends.
No, you cannot withdraw cash from your Dhani OneFreedom card but you can spend your credit at 1 crore+ offline/online RuPay merchants. It also offers additional discount and offers on your favourite brands and 2% cashback on all your spends.
Dhani OneFreedom card is a unique offering of the Dhani app which provides its users the dual benefit of freedom from interest rates & health concerns. With the Dhani credit line, you can avail an online credit of up to ₹ 5 lacs at a 0% interest rate and unlimited access to doctors 24 hours a day, by simply paying a fixed nominal fee every month.
OneFreedom features & benefits incude:
  • Credit Limit of up to 5 lacs @0% interest
  • 2% instant cashback on all payments
  • ₹1,200 cashback on utility bill payments
  • 45% off on Daily Needs, Groceries, Household Items at Dhani Store
  • Additional discounts on Amazon, Flipkart, Zomato, and many other brands
  • Free trading account @zero brokerage with Dhani Stocks
  • Divide your spends in 3 parts, repay only principal over 60 days
  • Accepted at 1 crore+ RuPay merchants both online & offline
  • No bank mandate
This card is accepted at 1 crore+ RuPay merchants both online & offline.
Every spend you make using Dhani OneFreedom is automatically converted into 3 interest-free instalments spread over 60 days.
For example:
  • You make a transaction of ₹300 on 1st January
  • Your spend amount i.e. ₹300 gets converted into 3 interest-free instalments which you have to pay on Day 2, Day 30 and Day 60 from the date of your transaction
  • So your repayment cycle would be:
    2nd January - ₹100
    31st January - ₹100
    2nd February - ₹100
You can view all the transactions relating to your OneFreedom credit line on the Dhani app in the OneFreedom section by tapping on 'Due Now and Upcoming Dues' option.
"You can repay for your transactions using multiple payments method including Dhani Wallet, Debit Card, Credit Card, UPI, and Net Banking.
Note: All the transactions you perform using Dhani OneFreedom are split into three interest-free EMIs. The 1st EMI is to be paid on the next day of doing the transaction, the 2nd EMI on the 30th day and the 3rd EMI on the 60th Day. The EMIs are not deducted automatically from your bank account, as Dhani trusts its customers to pay back their dues by using the app themselves. Ergo, no bank mandate is required when you apply for a Dhani OneFreedom card."
Dhani OneFreedom card is a RuPay powered card which can be used for all your offline and online transactions at over 1 crore+ RuPay merchants.
Yes, Dhani OneFreedom card is a RuPay powered card. It comes with a chip and PIN, offering the highest level of security in accordance with RBI guidelines that make for safe & secure transactions.
Yes, you can apply forDhani OneFreedom credit online simply by completing your online KYC. This process only takes 2 minutes. Make sure you have your Aadhaar card handy while doing your KYC.
Yes, you can cancel your Dhani OneFreedom subscription. To cancel:
  1. Open the Dhani App
  2. Visit the OneFreedom section
  3. Go to Settings
  4. Click on Cancel Plan

Note: Our cancellation will be effective immediately and all your OneFreedom benefits will be deactivated immediately. You may choose to reactivate your OneFreedom plan anytime before your next billing date for free, or by paying the subscription fee after the billing date is passed. Please note that OneFreedom plan cannot be deactivated if you have outstanding dues.
Yes, upon timely repayments, your Dhani OneFreedom credit line is upgraded automatically within 30 days.
Dhani offers credit up to 5 lacs @0% interest through its flagship product, Dhani OneFreedom card. One can get credit under 2 minutes using the Dhani App as the process is completely paperless.
Dhani OneFreedom card is a RuPay powered card which is approved by the RBI. It comes with a chip and PIN, offering the highest level of security in accordance with RBI guidelines that make for safe & secure transactions.
Dhani OneFreedom card charges ZERO interest from its customers. The credit line is offered to customers on a fixed nominal monthly fee.
Make sure you have the latest version of the Dhani App downloaded from Play Store or App Store. If the problem still persists, please get in touch with our customer care team at 0124-6165722
Dhani OneFreedom subscription fee is a nominal monthly fee charged against credit at 0% interest. The subscription fee of Dhani OneFreedom card with credit starts from ₹199
Your credit score is affected upon non-payment of Dhani OneFreedom credit. You are charged a penalty after 7 days of your stipulated repayment date. You also stop receiving 2% instant cashback on your transactions.
Your credit score is affected upon non-payment of Dhani OneFreedom credit. You are charged a penalty after 7 days of your stipulated repayment date. You also stop receiving 2% instant cashback on your transactions.
You can talk to Dhani customer care team on 0124-6165722 or email us at support@dhani.com
Dhani app cannot be downloaded on the laptop. However, you can avail Dhani OneFreedom credit line by visiting www.dhani.com
No, you can't pay your credit card bills using Dhani OneFreedom card. You can however spend your credit at 1 crore+ offline/online RuPay merchants and get dditional discount and offers on your favourite brands plus 2% cashback on all your spends.
Dhani OneFreedom digital card is a RuPay powered card and is absolutely free. Dhani charges a nominal fee of Rs 80 for delivery of your physical card.
Yes, it is not necessary to have a credit history to get Dhani OneFreedom card.
Yes, late payment fee is only charged in case of non-payment even after 7 days of your stipulated repayment date.
You only need an AADHAAR card to apply for Dhani OneFreedom card. If you don't have an AADHAAR card, you will be asked to upload additional documents like Address Proof & PAN Card to complete your KYC.
No, there are no hidden charges. Customers get a credit line of up to 5 lacs @0% interest at a nominal monthly fee.