SBI Dena Bank Secured Credit Card Review

SBI Dena Secured Credit Card is a co-branded secured credit card from the State Bank of India. They have designed the card in alliance with Dena Bank. This is one of the best sbi credit card for beginners and for those who want to improve their credit scores. The benefits of the card are a welcome benefit, anytime cash withdrawal facility, balance transfer facility, EMI facility through Flexipay, add-on facility, easy ticket booking facility, and lots more

Eligibility for sbi credit card application:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 60 yrs. 
    • Income: You can get this sbi credit card on fd
  • For self-employed person:
    • Age: 18 to 60 yrs. 
    • Income: You can get this sbi credit card against fd.
  • The minimum fixed deposit amount is Rs. 30,000.
  • Good relation with the bank.

Click here to check your sbi bank credit card application status. You need to provide your application number and registered mobile number. 

Required Documents:

You need to fulfill sbi credit card requirements to get an SBI credit card. 

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (Income Tax Return) 
      • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report.

Visit our FAQ page to know how to activate sbi credit card for the first time. You can activate sbi credit card both online and offline. 


  • Joining Fee: None. 
  • Annual Fee: The sbi credit card charges per year is Rs. 250 + GST


  • Welcome benefit:

With the issuance of this sbi fd credit card, you will get Rs. 100 cash-back on your first cash withdrawal, as a welcome gift. You can get this offer within 30days of the card activation.

  • Credit convenience:

With your ‘SBI Dena Secured Credit Card’ you can enjoy up to 50 days of the credit-free period. In case of emergency, you can have an extended credit period with a very low interest rate of 1.99% (monthly). You can check the status of sbi credit card from your net/mobile banking account.

  • Easy application:

With this sbi secured credit card, you don’t need to go through the hustle of the application process. The application procedure of the card is very simple and fast, also you can avail of this card against your fixed deposit amount. (Min amount is Rs. 30,000).

  • Anytime cash Withdrawal:

With this card, you can withdraw cash almost from any ATM. You can get cash from up to 18,000 ATMs in India. The maximum Withdrawal limit is 100%. You can visit our SBI card FAQ page to know how to withdraw cash from sbi credit card

  • Balance transfer:

This is one of the most useful sbi credit card features. You can transfer the outstanding balances from your other credit card to your ‘SBI Dena Secured Credit Card’ to get a lower interest rate.

If you are thinking about how to check sbi credit card balance? then feel free to visit our FAQ page to know the complete process. 

  • Ticket booking:

With this card you can now book your Railway tickets online and also you can order them at your doorstep with few simple steps.  

  • Flexipay:

With this feature, you can now buy products of your choice and you can pay the bills in easy monthly EMIs at a very low sbi credit card loan interest rate. You can transform your bills into EMIs within 10 days of purchase.

You can check your sbi credit card status from your online banking account. Click here for the sbi credit card emi calculator

  • Easy money:

You can now get a bank draft more easily. With this card, you can now order a bank draft at your doorstep any time with just a phone call. This feature is very helpful for bill and tax payments. The amount of the draft will be added to your monthly card bills.

  • Autopay:

With the auto-pay feature, your bills will be paid automatically within due dates. You can also set the maximum amount you want to pay.

If you want to cancel the auto-debit facility on your card then you can download the sbi credit card auto debit deactivation form from here. 

  • Alert facility: 

With this feature, you will feel more secure regarding your account. You will get SMS & E-Mail Alerts on cash transactions, reaching credit limits, Mini statements generation, and lots more. The sbi credit card customer service is 24X7 active. you can call them anytime for any assistance. 

  • Worldwide acceptance:

Your ‘SBI Dena Secured Credit Card’ is accepted by over 2 million visa outlets in the world. That means you can use this card almost anywhere.



Payable Amount

Cash Withdrawal Charge

2.5% against the withdrawn amount.

Finance Charge

1.99% monthly.

Foreign currency transaction

3.5% against the transacted amount.

Add-on card fee

None, free for a lifetime

You can make your sbi credit card online payment from your online banking account.

You can surrender sbi credit card just by calling the sbi credit card customer service number. They will guide you through the complete process. Click here to download the sbi credit card cancellation request letter format.

Contact Details:

Sbi card credit card customer care number: 1860-180-1290 / 022-3902-0202 or 1860-180-7777

Sbi credit card complaint email id[email protected]

100xGain Ratings:


Final Opinion:

For a beginner, it is a very simple and hustle-free credit card, especially for those customers who do not have a regular source of income. Although you cannot earn huge benefits from this card, those who do not have a regular source of income or have a very low credit score can improve it by using this card.

But if you have a good credit score then I would suggest you go for a slightly better credit card. In this case, you can take a look at the alternative card options given below. 

Alternative Cards: 

  1. BOI Visa Platinum International Credit Card. (Best for its revolving facility)
  2. BOI Visa Gold International Credit Card. (Best for its medical benefits and balance transfer feature)
  3. Dena Lagu Udyami Credit Card. (Best for offering higher credit limit)
  4. Syndicate Bank Gold Credit Card. (Best for its low-interest rate and reward points) 

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