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  • SBI Dena Bank Secured Credit Card

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  • 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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    SBI Dena Bank Secured Credit Card Reviews

    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI simply save credit card where the limit of the card is good, EMI options are available but rate of interest was nominal, I am using this card from last two years, card has charges of Rs. 500 but if we purchase for 30 thousands some amount then the annual fee is waived off.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 12, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI credit card where the limit of the card is not sufficient and low of 50 thousands. I has taken a card on 6 months before which was processed through bank directly. It is a life time free credit card. For an EMI option charges are nominal. I use this card for shopping and fuel purpose.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 2.0/5 "Expected more"
      I am holding SBI Bank SIMPLY SAVE credit card where the card limit is very less on this card, using this credit card from past two years, this card doesn't has much cash back or instant discount offers, there not much rewards points offer on this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 3.0/5 "Satisfactory"
      Response time is very slow in customer care service of SBI card. I have a elite card with me and i get a 2bookmyshow voucher free in a month and I'm getting a priority pass in a airport launch and i get a Vistara club membership. I have got a limit of Rs. 6 lakhs and i need to pay the annual fee of Rs. 5600.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Somehow suitable card"
      0.5 4.0/5 "Great!"
      SBI customer care service is very poor and they don't bothering about the customer. SBI service is not customer friendly. 3 times i was annoyed on their services. I am holding a simplyclick credit card and there is no much discounts, cashback on this card. They have provided me a limit of Rs. 50000.
      Was this review helpful? 1
      , kolkata
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding SBI credit card where the limit of the card is good, EMI options are available but rate of interest is very less, cash back offers are also very less, using this card from last two years, card has charges of Rs. 499+GST but if we purchase some amount then the annual fee is waived off.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI credit card which has good offers, credit limit is good, EMI options are available, rate of interest is very high, using this card from 9 months,if we do online purchase we have good offers, also on jewellery purchase there is 5% discount and the customer service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Super Card"
      0.5 5.0/5 "Blown Away!"
      SBI is a good card to use and the features are like auto renewal process of the fee waiver if i exceeds such amount told by them which is a best thing I'm getting from the card. The card has a annual fee of Rs. 1000 which i don't need to pay if i use more than Rs. 1 lakhs. If i have any rewards points, which i can redeem as a Rs. If i have 100 rewards points which is equal to Rs. 100 which converted into cash.
      Was this review helpful? 0
      , kanpur
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Best for all transactions"
      0.5 5.0/5 "Blown Away!"
      I do have SBI card their rate of interest is very less interms of minimum amount due, if I spend Rs.10,000 the minimum amount comes only Rs. 300 to 400, they won't add any unnecessary charges they are transparent. I never interacted with them but still the service is appropriate.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Neeed to decrease interest charge "
      0.5 4.0/5 "Great!"
      I have been using SBI bank FBB credit card which was got an offer from other channel. It was an annual fee chargeable of 500 rupees but there is an option for a waiver off for a certain amount usage. Mostly I use for Big Bazaar which I get discount up to 5%. For an EMI option charges are bit high.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding SBI credit card from past 10 years there is no issues with the bank,24/7 customer service is available, card has good credit limit, annual fee is zero, there are no rewards point offer if we book the ticket on IRCTC website for train bookings.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI credit card from past 1.6 years, where their are good cashback offers, reward points offers are also good, card limit of the card is very good,Their is annual fee charge of Rs. 499+GST applicable and that to refundable if I purchase more.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card which was taken through bank directly.I am using this credit card for almost 2 years .This is a free card and i have got the credit card on time without any drawbacks .The credit limit was really good and satisfied according to me .There are good reward points as well as cash back offers .
      Was this review helpful? 0
      , indore
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I hold SBI Simply Save credit card from March 2019 and it was good. I need to pay an annual fee of Rs.500. The credit limit was fine and proper. Also their application is quite convenient. Actually the payment gateway is instant when compared with other banks which helps to far away from late payment charges.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using SBI bank simply save credit card for more than 2 months. It is an annual fee chargeable of 499 rupees but there is an option for a waiver off. The credit limit is sufficient for this card. EMI option charges are nominal.I use this card for shopping purpose.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Need to imrpove customer service"
      0.5 4.0/5 "Great!"
      I am using SBI bank simply click credit card for more than one year. It is an annual fee chargeable of 499 rupees but there is an option for a waiver off. The credit limit is sufficient of 1 lakh 75 thousands. EMI option charges are nominal which was enhanced. The customer service is no proper response.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 10, 2019
    • SBI Cards Credit Card
      "Superb"
      0.5 4.0/5 "Great!"
      SBI credit card facility is good especially ELITE. The customer service is very excellent on credit card department. But the rate of interest is very higher for EMI conversion when compared with Kotak Mahindra. I am using the card for since 2.5 years. They are giving reward points, EMI conversion is applicable and this card is really superb.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 10, 2019
    • SBI Cards Credit Card
      "They need to improve"
      0.5 2.0/5 "Expected more"
      In SBI, their billing system is not proper. When i pay the bill amount on due date, again they asked me to pay some amount. Their language is in unmannered approach and there is no courtesy in talking with a customer. Anyhow, I'm planning to end up a relationship with SBI Gold card. My limit is Rs. 60000 and they send a bill of Rs. 82000 and they are not specific and the bill is not in a descriptive format which customer unable to understand.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 10, 2019
    • SBI Cards Credit Card
      "Not satisfactory"
      0.5 3.0/5 "Satisfactory"
      I have done the transactions because of forcible merchants and they have overcharged of 9K. I have approached them for refund and the formalities are very long. I have been using IRCTC card and never experienced the benefits. I have blocked the card for time being and am not planning to use it any more but still they are charging me. The charges are on higher side also fraudulent transactions are happening.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 10, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      It is been 10 months back, I had purchased the visa credit card from SBI and the card is visa. The given credit limit is sufficient and it is a life time free credit card. They have dispatched the card within few days. I am using this card for many purposes based on the usage I get reward points and cash back.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 10, 2019
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