SBI Dena Bank Secured Credit Card Review

The SBI Dena Secured Credit Card is a low annual fee credit card designed for first-time applicants. It comes with a minimal interest rate and tons of useful features like Balance transfer, EMI conversion facility, e-statement facility, and lots more. This card can also be applied against a fixed deposit account which makes it the best sbi credit card for beginners.

What is the required eligibility for sbi credit card?

  • Resident Type: Indian. 
  • SBI credit card eligibility criteria for salaried person:
    • SBI credit card age limit: 18 to 60 yrs. 
    • Income: You can get this sbi credit card on fd
  • SBI card eligibility criteria for self-employed person:
    • SBI credit card age limit: 18 to 60 yrs. 
    • Income: You can get this sbi credit card against fd.
  • The minimum fixed deposit amount is Rs. 30,000.

What documents are required to apply for a sbi secured credit card

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photograph
  • Proof of income statement (since it is a secured card, you don’t need to provide any)

As per the new rules, all new credit cards are now delivered in an inactive state, So if you want to know how to activate sbi credit card for the first time, then make sure to take a look at our FAQ page.

What are the sbi credit card annual charges?

  • SBI card joining fee: None. 
  • SBI card annual fee: Rs. 250 + GST

What are the SBI dena bank credit card benefits?

  • A big credit card joining bonus to welcome you:

As you perform your first cash withdrawal using this card within the first 30 days of your sbi credit card activation, you will receive Rs.100 cashback as a welcome gift.

  • Experience instant credit card balance transfer facility:

This sbi fd credit card allows you to transfer the outstanding of your other cards to this card so that you can get a lower interest rate against your dues as well as some extra time to make repayments.

  • Enjoy easy bill splitting:

Using the sbi credit card flexipay feature, you can convert your high-value transactions into small monthly installments. You can also calculate the monthly installments from the sbi credit card emi calculator.

  • Experience the easy money facility:

The SBI dena bank credit card holders can order a bank draft at their doorstep at any time. This sbi credit card facility is very useful for tax, fees, or bill payments.

  • Enjoy a lower interest rate against revolving credit:

This sbi credit card features a very low-interest rate of just 1.99% monthly on revolving credit. You can also enjoy a 50-day credit card interest-free period with this card.

  • The perfect travel companion for you:

This sbi bank card works on the visa platform which makes this card usable at over 2 million visa outlets across the globe.

What are the SBI dena bank credit card charges?


Payable Amount

SBI credit card cash withdrawal charge

2.5% against the withdrawn amount (check your sbi credit card limit before making a withdrawal)

SBI bank credit card finance charge

The sbi credit card interest rate can go up to 1.99% monthly (applicable if your credit card bill payment is not made in time)

SBI credit card international transaction charges

3.5% against the transacted amount.

SBI card add on card fee

Rs.100 per year

How to contact the sbi credit card customer care department?

  • Call the sbi card credit card customer care number: 1860-180-1290 / 022-3902-0202 or 1860-180-7777
  • Write to the sbi credit card complaint email

100xGain Ratings:


Pros and cons of the SBI Dena secured card:



  • It is a secured credit card.
  • This sbi card offers a very low-interest rate.
  • You will not get any reward or cash back benefits from this sbi bank card.
  • There are no travel or entertainment benefits on this sbi bank credit card.

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 very good credit score can improve it by using this card.

But you can’t get this card anymore, since State Bank of India has completely discontinued this card, however, you can still find some alternative options on our best lifetime free credit card page.

Alternative Cards: 

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

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