Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Loading your search...
    Close

    Compare, check your eligibility and apply for credit cards online.

  • SBI Dena Bank Secured Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    SBI Dena Bank Secured Credit Card

    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.

    SBI Dena Bank Secured Credit Card Reviews

    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been holding SBI credit card for long time, there service is not up to the mark, they have charged me annual fee in this card, and there is no waived off option available in this card, they have not given much credit limit, offers is not good.
      Was this review helpful? 1
      , lucknow
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Poor service"
      0.5 1.0/5 "Really Bad"
      I have been holding SBI credit card for long time, there service is not up o the mark, there customer service does not co-ordinate with me well and without my knowledge they have deducted and i asked for what reason they have deducted even customer service team donâ??t have proper knowledge about that and they have charged me annual fee up to 500 and there is no waived off option available in this card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with SBI , i am holding this card for past 2 year . They offered SBI VISA Credit card . They also offered me a fair limit. Their customer support is also good. I make payments online which is convenient for me and never had any issues with their services.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Response should be improved"
      0.5 3.0/5 "Satisfactory"
      The credit limit is good, I have been holding FBB style up card it has annual card, I get the benefits on cash back 10% on big bazaar , the interest rate quite higher side compared to other card. I wont recommend this card, they need some improvement, when I call for any difficulties they wont respond.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Very Useful card"
      0.5 3.0/5 "Satisfactory"
      There is a annual fee of Rs. 450+Tax every year for my SBI card and it will not get waived off. They have offered me a credit limit of Rs. 50000 and I'm not satisfied with it. I have interacted with the call centre people to enhance the credit limit and they have asked me to submit the documents.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with SBI , The best part of SBI credit card is if i do not have saving account of this SBI then too i can use mobile banking for payment. I am holding this card for past 2.5 years . They offered SBI IRCTC credit card . I use this card for multipurpose .
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI , they offered SBI FBB Credit card . They offered 19000 o credit limit which is very low i was expecting something more . The card is chargeable but they gave waive off option also . Service and process was too smooth and hassle free .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI , the card is chargeable but if i spent 100000 they will give waive off option . I ma holding this card for past 1 year . They offered SBI METRO credit card . They offered 47000 of credit limit with this card . Benefits were good reward point and cash back .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have been using this card for a while and i am happy with the services which they had provided so far. The credit limit with the card was good and there has been some good offers available with this card as well. There has been an annual charges with this card which will get waived off as per the usage which i am making.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am very much satisfied with their service as they have given good credit limit and happy with it . I have done lot of transaction. There is no annual charges as its life time free card . There is no additional charges for the transaction which i make. There is additional charges for the petrol surcharges . But they haven't increased the credit limit after requesting also.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have been using sbi card for last 10 years , where they are giving good service for the credit card Am holding sbi credit card for last 10 years As am satisfied with my credit limit which they have offered . There is no annual charges its life time free card and there is no additional charges for transaction which i make through credit card . Am getting offers in shopping Their Customer service and response is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Unhappy with the services"
      0.5 2.0/5 "Expected more"
      I bank with State Bank of India for the credit card. The bank is not up to the mark, as they need to work on the offers and the credit limit is also satisfactory. They also need to work on the customer services and response. In all they are not recommendable.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Frequent calls should be avoided to sell the products"
      0.5 3.0/5 "Satisfactory"
      SBI bank gave me the credit card limit of Rs.1,70,000, the process is very faster only thing they keep on calling to sell other products like insurance etc. I suggest those frequent calls should be avoided. I wont recommend in that aspect and i am completely dissatisfied.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I had been using this card for a while and the services has been good. The credit limit with the card has been good and there has been some good benefits which comes with this card as well. There has not been any annual charges with this card but there has been some other charges with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 06, 2018
    • SBI Cards Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      I have been using SBI credit card, the credit limit is good. I have not used the offers yet, but generally I use my credit card for the shoppings, billing, dinning, petrol filling. The reward points is good even the points value is great I could covert the points into voucher.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 06, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had been using this Card for the last one and a half yeas and the services which they had been providing so far has been good. The credit limit which they had given with this card has been sufficient and there is some annual charges with this card as well. I am using this card for all sort of purposes.
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Dec 06, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am using this card for a while and the services which they had been providing so far has been good. They had given me with a good credit limit of 55,000 and there is an annual charges of 500 with this card as well. I had been using this card for all sort of purposes.
      Was this review helpful? 0
      , bhiwadi
      Reviewed on Dec 06, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      MY credit card was taken with SBI , they offered very low credit limit it is just 25000 i am expecting more limit here . The card is chargeable but they said they will gave waive off option if i cross particular transaction . Here payment method is easy and benefits is also good .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 06, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this card for the last one year and the services which they had been providing so far had been good. I am using this card for all sort of shopping and all other purchases, they had also given me with a good credit limit. There has been waver off for the annual fee.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 06, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this card for the last one year and the services which they had been providing so far had been good. They had given me with a good credit limit and there has been some good benefits and offers on the online portals with this card. There is an annual fee with this card which will get waved off if we are using a certain limit.
      Was this review helpful? 1
      , noida
      Reviewed on Dec 06, 2018
    Common Loader Icon

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.