Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • SBI Dena Bank Secured Credit Card Reviews

    • SBI Cards Credit Card
      "Scope for improvement"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is the one, am using from the last two years of time. Credit limit value could be get improvised like its really not beneficial for me. Whole scenario was not really made me to get satisfied about the process, also they used to take much time to resolve any issues.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I availed chargeable credit card from State bank of India. The annual charges are 500 rupees. Also the credit limit offered by the bank is pretty good and satisfactory according to the requirement. I do receive reward points and cash back offers from the bank.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Convenient to Use"
      0.5 5.0/5 "Blown Away!"
      The annual charges for the SBI card is 500 rupees. I use this card for shopping and entertainment. The credit limit is not much satisfactory. I never faced any issues with the bank in terms of the credit card usage. The bank is prompt in providing reward points on my card.
      Was this review helpful? 0
      , indore
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      SBI has been very much responsive after I applied for a credit card. They were calling me on time and collected my details as well. The process is on and I am happy that they value a customer and are showing interest in the application. Overall it has been a nice experience with this bank.
      Was this review helpful? 0
      , salem
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good pocket money card"
      0.5 4.0/5 "Great!"
      I got SBI simply save credit card, they have provided only Rs.21,000 as credit limit. But it is fine for basic needs and at the time of my SBI credit card activation, I got 2000 reward points its good. SBI giving some cash back offers for online shopping.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good To Use"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for past one and a half years. The credit limit offered by the bank is satisfactory. SBI offered a life time free credit card which is very comfortable for the usage. I do have reward points and cash back offers on my credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2017
    • SBI Cards Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      I received life time free credit card from State bank of India. When it comes to credit limit, earlier I was not happy but nowadays I hold other bank credit card so I do not have any issues with the credit limit offered by SBI. I am quite happy with the services.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 21, 2017
    • SBI Cards Credit Card
      "Looking for better service"
      0.5 3.0/5 "Satisfactory"
      SBI is not offering anything and not easy to contact their staff for any queries. All service of SBI is complicated to use. They should improve on their service part and response part. SBI credit limit is good, they offered Rs. 60,000. I am using it for two years.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I would like to say SBI credit card because their process is very smooth, also there is no specific hidden charges with them. I had been with them from the last five to six years of time. My payments are really on time, so I have not faced any troubles with them till date.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Good Process"
      0.5 5.0/5 "Blown Away!"
      State bank of India voluntarily offered credit card for me. I had received a call from SBI once and they inquired whether I have credit card with any other bank, post which they immediately offered the card based on my other bank card. The limit is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      For almost 7 months I am using SBI platinum card. I get benefits like reward points, cash back offers and fuel surcharge waiver but I don't redeem it. I use this card to fill the fuel and to pay for the restaurant bills. I am happy about the credit limit. I am satisfied using this SBI Platinum credit card.
      Was this review helpful? 0
      , udaipur
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Good Bank"
      0.5 5.0/5 "Blown Away!"
      I do hold SBI platinum credit card. The annual fee is 3000 rupees. This card is very much useful for the usage and I am getting reward points and cash back offers as well. The customer service is good. If I face any issues, the bank is immediately sorting out.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      I hold a credit card of State Bank of India and the services are good. They are doing well in the offers and the credit limit. The offers online at Ecommerce portals are the best as there are a lot of discounts to avail. The rewards are also useful.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have no account with this bank but still they have offered me the card., I got a credit card from them which is a life time free card. I have cash back offers on my card also they credit reward points often but I was not having any idea about it, it was long back right. The credit limit is satisfactory and enough according to my usage.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      State Bank of India has been perfect in providing me with the offers on my credit card. The customer services are also good and they are responsive when I contact them over phone. There are cash back deals often and also discounts as well. I am happy using it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Flexiblity"
      0.5 4.0/5 "Great!"
      I would like to say SBI credit card is the best one because of their services and reward points, also I can operate this card in easy to way, also I used to get some discounts and regular offers are available while making the payments. I used to cash on card offers and other things.
      Was this review helpful? 1
      , pune
      Reviewed on Jun 19, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      SBI is very good for my credit card. Every time they are sending the statement with clear picture of my usage and it is very easy for me to track my usage and the amount spent There was no hidden charges available on my credit card. I am very comfortable in holding SBI as their customer service is good. The credit limit is 1 lakh above initially it was 50k.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 18, 2017
    • SBI Cards Credit Card
      "Need improvement"
      0.5 2.0/5 "Expected more"
      I do have the SBI credit card from the last five years of time. I would like to say that they have provided the advantage option as encash policy, where the reward points can be converted to make the payment. Sometimes, they are really slow in providing service.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 17, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      SBI credit card is giving more offers,I had been holding my credit card for the past six years,it is good and useful. They had provided me with 52 lakhs credit limit initially now it has been revised to 77k , I am satisfied with my credit limit. I am using this credit card for general shopping. The unique thing about this card the attractive rates recently they have and more charges are applicable.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 17, 2017
    • SBI Cards Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      SBI features are good, whenever I purchase or do some transaction through my credit card, SBI call and confirm with me, whether that transaction was done by me or not. I always getting some reward points for all spent. Credit limit is also really sufficient and satisfactory.
      Was this review helpful? 2
      , nagpur
      Reviewed on Jun 16, 2017
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    SBI Dena Bank Secured Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    Now get the benefits of two trustworthy partners in one Credit Card. The SBI Dena Bank Secured Card combines the age-old trust of two renowned banks and the perks associated with both in this one card. Offering a multitude of benefits, this card is user friendly and boasts of various convenient offers and features which makes this card highly coveted. This card is accepted globally and can also be accessed online. The SBI Dena Bank Secured Card is a must have card for all.

    Benefits of the SBI Dena Bank Secured Card:

    Welcome Offers:

    Customers, as part of their welcome offer, receive a cashback of Rs. 100 on their first cash withdrawal. This offer is valid for a month (30 days) of procuring the card.

    Credit Convenience:

    With this Co-branded Credit card by SBI and Dena Bank, users can now avail a maximum of a 50 day period free of credit along with an extended credit facility with interest rates as low as 1.99% per month.

    Ready Cash:

    Withdrawal of credit card cash is now available for all SBI Dena Bank Secured Card users. This facility is available in more than a million ATMs affiliated to all around the world along with 18,000 in the country and more than 10,000 ATMs affiliated to SBI. Users can also enjoy a withdrawal limit of a maximum of 100%.

    Convenient Application Process:

    All customers of Dena Bank with a Fixed Deposit in the bank can avail the SBI Dena Bank Secured Card. The card can be procured on the basis of a low Fixed Deposit amount of Rs. 30,000.

    Added Power to the User’s Family:

    Customers can also apply for add-on cards for members of their family including their siblings, children and spouse and share the benefits of their SBI Dena Bank Secured Card with them.

    Features of the SBI Dena Bank Secured Card:

    Global Acceptance:

    The SBI Dena Bank Secured Card is accepted in around 2 million Visa centers around the world and over 2 lakh in the country. Now customers can make use of the privileges that come with the card anywhere in the world.

    Peace of mind:

    Customers can avail the services of the SBI Card customer Helpline and the 24/7 MasterCard/Visa Global Customer Assistance Services that are available all over the world, in case there is an emergency.

    Online Railway Ticket Booking:

    All SBI Dena Bank Secured Cardholders can easily procure their railway tickets by booking them online and also get them delivered to their homes in a few simple steps.

    Utility bill Payment facility:

    Users can now pay all their bills on time by using the Easy Utility Bill Payment option. This is useful for the payment of bills such as electricity, telephone, insurance prior to the due date.

    Balance Transfer:

    Transferring credit card balances from another card to the SBI Visa Credit Card is possible. Cardholders can also choose a Credit Card Balance Transfer Plan as per their financial requirements and enjoy low interest rates along with high savings.

    Flexible Payment:

    Customers have the easy payment option plan, Flexipay, from their SBI Card that allows them to purchase items of their choice with the option to repay it in easy installments monthly. They can opt for a payment plan that is most suited to their needs and also procure a low interest rate.

    This facility can be availed within 10 days of the purchase. Further details can be sought by calling the helpline.

    Easy Money Facility:

    By making one call to the local SBI Card Customer helpline, SBI Dena Bank Secured Cardholders can order a bank draft at any point of time. This feature is especially useful for the payment of fees, taxes, bills and other necessities. It is to be noted that the draft amount will be billed to the user’s SBI card directly. Further details can be sought through the SBI Card helpline.

    E-Statement:

    Customers can now conveniently access their monthly statements online, 24 hours, all days of the week through their e-mail.

    SBI Card Alerts:

    Through the SBI Card Alerts, users can now access information related to the status of their credit card on their mobiles as a SMS alert. These alerts include information about Cheques, Mini statements, Cash and Credit limits, Payment assistance and more. Customers can subscribe to this information by visiting the SBI Card website or calling the local SBI Card Customer Helpline.

    SBI Card Drop Box Locator:

    SBI Dena Bank Secured Cardholders can also receive information regarding the list of SBI Card drop boxes in their locality.

    Documents required:

    • PAN card
    • ID proofs (Anyone) -
      • Driving License
      • Passport
      • Voter’s ID
      • UID Aadhaar Number
      • PAN Card

    Eligibility:

    The eligibility for availing the SBI Dena Bank Secured Card is based on the individual’s employment and income. Apart from this the Secured card can be procured against a Fixed Deposit with Dena Bank.

    Fees and Charges:

    One time Joining fee Nil
    Annual fee per annum Maximum of Rs. 250
    Add on fee per annum Maximum of Rs. 100
    Extended credit - Interest Free Period A time period of 20 to 50 days and is only applicable on retail related purchases and also if the outstanding amount from the previous month is paid in full.
    Extended credit - Finance Charges A maximum of 23.88% per annum or 1.99% per month from the date of transaction
    Extended credit - Minimum Amount Due A minimum of Rs. 200 or 5% of the total amount outstanding along with Government Service Tax.
    Cash Advance Limit A maximum of 80% of Credit Limit, up to Rs. 12,000 per day Gold Card users and a maximum of Rs. 15000 a day for Platinum Card users
    Cash Advance - Free Credit Period Nil
    Cash Advance - Finance Charges A maximum of 23.88% per annum or 1.99% per month from the withdrawal date
    Cash Advance Fees - State Bank of India ATMs and other Domestic ATMs Rs. 300 or 2.5% of the amount withdrawn for every transaction
    International ATMs Rs. 300 or 3% of the amount withdrawn for every transaction
    Cheque Pickup Rs. 90
    Statement Retrieval If over 2 months old then Rs.100 for every statement
    Chargeslip Request Rs. 225 for every chargeslip
    Overlimit A minimum of Rs. 500 or 2.5% of the overlimit amount
    Card Upgrade Fee Maximum of Rs. 500
    Rewards Redemption Fee Rs.99 + GST
    Cheque Pickup Rs. 90
    Cash OTC fee Rs. 100 plus GST

    SBI Dena Bank Secured Card FAQs:

    1. How can one book railway tickets online via the SBI Dena Bank Secured Card?

      Booking railway tickets using the SBI Dena Bank Secured Card can be done in the following simple steps -

      • Users need to register on the IRCTC website. Registration is free of cost
      • Users can then login using their username and password
      • Following the instructions given on the website, users can then book their respective tickets
      • Payment can then be made using the SBI Dena Bank Secured Card via either of the two payment gateways available, both of which accept MasterCards.

      It is to be noted that all transactions on the IRCTC website are governed by their terms and conditions.

    2. How can customers access the locations of the SBI Card Drop Box?

      Customers can find out the locations of their SBI Card drop box by typing “PIN” followed by a and their 6 digit pin code and sending it to the required number. The customer will then receive the list of drop boxes in their area. Customers should note that premium SMS charges apply.

    3. How can a SBI Dena Bank Secured Card be availed?

      Customers can procure a SBI Dena Bank Secured Card against a Fixed Deposit with Dena Bank.

    4. Is there a joining fee required for a SBI Dena Bank Secured Card?

      No, there is no joining fee required for a SBI Dena Bank Secured Card.

    5. What are the charges applicable for late payment?

      There are no charges levied if the total amount due is less than Rs. 200. However, if it is between Rs. 200 and less that Rs. 500, then Rs. 100 is the amount charged. Rs. 200 is charged if the total amount due is higher than Rs. 500 but less than Rs. 1000 and Rs. 500 if the amount due is between Rs. 1000 and up to Rs. 10000. If the total amount that is due exceeds Rs. 10,000 then Rs. 750 is the fee charged.

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