Dena Laghu Udyami Credit Card Scheme

‘Dena Lagu Udyami Credit Card’ is a credit card from Dena Bank. This card is specially designed for self Employed and Businessmen, and small industrial Owners. This card can give your company more financial freedom. Also this card is very convenient and easy to handle. Also this card comes with a number of features and benefits like – Worldwide acceptance, Add on facility, Balance transfer, Online control, and lots more. in fact this card can truly help you to run your company more easily.

  • Eligibility criteria – This card is Designed for business owners and self-employed people to give their business a good financial support.
  • Nationality – Indian.
  • Age – 18 – 60 years.
  • Occupation – Both salaried and self-employed people can apply.
  • Income – This card is issued against your fixed deposit account.
  • The applicant must have a fixed deposit of ₹ 30,000.
  • At least 3 years relation with the bank .
  • Documents Required –
  • Proof of Identity –
  • Job Card.
  • Voter Id.
  • Driving License
  • Aadhar Id.
  • Letter from UIDAI.
  • Proof of Address –
  • Passport.
  • Gas, Electricity or any utility bill. ( recent )
  • Ration card.
  • Document of property registration.
  • Proof of Income –
  • 3 month’s bank statement. (latest)
  • Recently submitted form 16.
  • Salary Slip (recent 3 months) {only for salaried people}
  • KYC-PAN.
  • Financial report (audited) (2 years min) {only for self-employed people}
  • Fees –  
  • Joining fee – None.
  • Annual fee – ₹ 250.(annually)
  • Add on fee – ₹ 100.
  • Benefits – The benefits of the card is described below –
  • Welcome Benefit – You can get a welcome cashback gift with this card. you can get up to ₹ 100 cash-back on your first cash withdrawal from ATM within first 30 days of the card activation.
  • Zero joining fee – You don’t need to pay any joining fee for this card. As this card comes with Zero joining fee.
  • credit limit – This card is designed to give you extra financial support. If you get this card against your company then you will get a credit limit of up to 20% of the annual turnover of your company. If you are a self-employed and you apply against your IT returns then you can enjoy a credit limit of 50% of your submitted IT return. Maximum credit limit is ₹ 10 lakh.
  • Higher Margin – With this card you can enjoy a higher margin of percentage points. For ₹ 50,000 – ₹ 10,00,000 you can get a margin of up to 25%.
  • Cash withdrawal – With your ‘Dena Lagu Udyami Credit Card’ you can withdraw cash almost from any visa ATMs in the world. This card is accepted at more than 1.2 million Visa ATMs in the world.   
  • Add on facility – You can enjoy the benefits of add on feature with this card. you can just add your loved ones with your card and they also can enjoy the benefits of a credit card.
  • Online Bookings – With this features you can book your train or flight tickets online more easily, also you can order them at your door-step.
  • Balance transfer – You ca now transfer the outstanding due balance from your other cards to your ‘Dena Lagu Udyami Credit Card’ to get a lower rate of Interest.
  • Flexi pay – This feature allows you to pay your big bills into easy instalments, you can transform your big bills into EMI within 10 days of the purchase. This feature can be helpful for a start-up business.
  • Online control – You can now control your account more conveniently through net banking. You can pay bills, sent money and get a mini statement of your account instantly.
  • Security – With this card you will get SMS regarding to your account. Also if your card is lost or stolen then you can contact to their customer service authority to block your lost card within no time.
  • 24X7 customer Service – Dena Bank customer service is always active and helpful, you can get any help anytime.   
  • Charges –
  • Cash Advance – 2.5% against the amount.
  • Late payment Fee – ₹ 950 max.
  • Foreign currency transaction – 3.5% against the transacted amount.
  • Customer care number –
  • 1800 233 6427
  • 022 62242424
  • Final verdict –

If you are looking for a credit card that can help you to grow your business then this is the card you need. It comes with a lot of features that you will need to run your business more smoothly. So if you are eligible then you must go for the card as it gives you the best possible offer at a very low price.

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