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  • SBI Dena Bank Secured Credit Card

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    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
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI from last 1.5 years, the credit card services are best when compared to all other credit cards. Offers like reward points are good in this credit card and i use this credit card for general purpose. I am happy with the credit limit in this SBI credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 23, 2018
    • SBI Cards Credit Card
      "Waste Credit Card in SBI"
      0.5 1.0/5 "Really Bad"
      I used to try a customer care lots of times. It wont connect at all. They are charing Rs. 500 as annual fee. There is no much offers in this SBI credit card. I have been using this card for 4 years. I used to do online purchase by using this card. They provided me a Rs. 21000 as a credit limit which is very less. They are charging extra if i use more than credit limit. They are charging like over limit usage, Service charges, Low usage charges. I will not recommend this card to anyone.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2018
    • SBI Cards Credit Card
      "EXCELENT"
      0.5 5.0/5 "Blown Away!"
      My overall experience is good. They charge me for late payment fee and it is 3.35%. My reward points is good. Customer service is good and responsive to the customers, Offers i have to check regarding this from my card, I am satisfied with the limit from my card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2018
    • SBI Cards Credit Card
      "Satisfied"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with SBI from last 5 years, i use this credit card for multipurpose and there was some illegal transaction done on this credit card, it took 6 months for the amount to get refunded. I pay an annual fee of Rs 500 with the credit limit of Rs 70000 in this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The state bank credit card service was good and I have got the Sbi Simply Save credit card within 7 days of time, they took time to process the credit card application . The process got delayed. The customer support service and the response need to be improved with the State bank of India.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 3.5/5 "Pretty good"
      SBI provides good services on credit card when compared to all other credit cards. I am using this credit card from last 6 months and i pay an annual fee of Rs 499 for this credit card. Offers like reward points are good with this credit card and i use this credit card for shopping purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      SBI provides good services on credit card when compared to all other credit cards. I am using this credit card from last 11 years and there was no annual fee charged for this credit card. Offers like reward points are good in this credit card and i use net banking for making bill payments.
      Was this review helpful? 0
      , indore
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The service was good from the State bank of India , after the approval I have got the Sbi Simply Save credit card within 10days of time. The customer support service and the response is good from the state bank of India.The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Recently I have got the Insta loan from the State bank of India around 8 months ago, and they have disbursed the loan amount within 8days of time. The customer support service and the response is excellent with the State bank of India. There is no need to submit any kind of documents in getting the insta loan with the State bank of India. The rate of interest and the charges are average with the Sbi.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the Sbi Simply Save credit card for the past 2 years. The customer support service and the response is good from the State bank . The credit limit value is good with this card and I am satisfied with it, it would be good if they can increase the credit limit value in future.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I hold a credit card with SBI from last 8 months, there was no annual fee charged at the time of getting this credit card. I am happy with the credit card services provided by this bank. I get good offers on this credit card and i am satisfied with the credit limit in this credit card.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "No Hassles"
      0.5 5.0/5 "Blown Away!"
      State Bank of India is good in the credit card services. I get a lot of good benefits and the credit card limit is also satisfactory. I can access my card online and offline and there has been no issues. The transactions are smooth and the statements are also clear.
      Was this review helpful? 0
      , darbhanga
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the SBI Simply save credit card for the past 7months. The customer support service and the response is good from the state bank of India. The credit limit value is good with this card and I am satisfied with it.It would be great if they can increase the credit limit value.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding this card for the past six months, the services had been very good so far. There has not been any problems faced from their side so far in banking or using the card. The credit limit has been a little low, and i am expecting an increase in the near future. There has been good reward points for fuel purchases and i have also been using the card for shopping as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The credit card service was good from the State bank of India and i have got the Fbb Sbi platinum credit card within 5 days of time. The customer support service and the response is good from the State bank and I am satisfied with the credit limit value.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI Visa Credit card for a while. They offered me a very good limit , Limit is more than 3 lacs. I Make payments online. There were no problems at all with their services. This card is very useful for all my monthly transactions.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      The state bank sends the credit card statements on time and I use the Sbi Simply Save credit card for more than 6years. The customer support service and the response is good from the State bank . The credit limit value is very low with this card and I am not satisfied with it.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I've been using the SBI Prime Credit card for almost a 1 Month. The limit they offered is good . I use this card for shopping and all other day to to day transactions. I never faced any problems with the card and their services.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the SBI Simply Save card for the past 1.5 years. The Benefits of are good. The limit is just okay but not what I expected. Their service is very good and I never had any issues with the card and their services. Overall it is a good card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good Card to Use"
      0.5 5.0/5 "Blown Away!"
      They have provided me a credit limit of Rs. 16000. I always get a good response from SBI I have called to customer care for billing issue. They given me a prompt response. There was very less time to reach the customer care executive. They will provide Credit limit and it is purely based on the salary.
      Was this review helpful? 0
      , chennai
      Reviewed on May 21, 2018
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