SBI Dena Bank Secured Card
Welcome Offers
Get Rs. 100 Cash back on your first ATM Cash withdrawal within 30 days of receiving the card.
Credit Convenience
Enjoy credit free period of upto 50 days on your SBI Dena Bank Secured Card and an extended credit facility with very low rate of interest of 1.99% p.m.
Ready Cash
As an SBI Dena Bank Secured Cardholder, you can withdraw cash from over 1.2 million VISA Card ATMs (Please check the logo on the front of your card before using) across the globe, including 18,000 ATMs in India and over 10,000 SBI ATMs and enjoy up to 100% cash withdraw limit.
Convenient Application Procedure
SBI Dena Bank Secured Card can be availed on the basis of a Fixed Deposit with Dena Bank for as low as Rs.30,000/-.
Enhanced Power to your family
You can share the power of your SBI Card with your family, by applying for add-on cards for your spouse, children, siblings over 18 years and parents.
Apply Now! To know more about the SBI Dena Bank Secured Card, please contact your nearest Dena Bank Branch.
Global Card
Honoured in 2 million Visa outlets worldwide and 2,85,000 Visa outlets in India, your SBI Card fulfils your every wish at every turn. No matter where you are, privileges flow from your SBI Card.
Guaranteed peace of mind
SBI Card automatically gives you complete peace of mind with our SBI Card Customer Helpline and 24-hr VISA/MasterCard (Please check the logo on the front of your card before using) Global Customer Assistance Services available across the world in case of any emergency.
Book your railway tickets online
SBI Card offers you the unique convenience of booking your railway tickets online and getting them delivered at your doorstep. Experience the convenience of booking your tickets online with your SBI Card. All you need to do is:
1. Register free of cost on www.irctc.co.in
2. Log-in with your username and password on www.irctc.co.in
3. Book your ticket as per instructions on the website
4. Make payment through your SBI Card on the website through either of the two payment gateways which accept all MasterCards. Kindly note: All transactions on www.irctc.co.in are governed by terms & conditions of www.irctc.co.in
Utility Bill Payment Facility
With the Easy Bill Pay facility from SBI Card you can be rest assured you will never ever forget paying your utility bills on time. All your utility bills like electricity, insurance, telephone will get paid before the due date with this facility from SBI Card.
Balance Transfer
You can now enjoy high savings with our low interest rate. Just transfer the balances from any of your other Credit Card to your SBI Card and enjoy Balance Transfer Plans as suited to your financial needs & avail of a low-rate of interest.
Flexipay
Flexipay, the easy installment plan from SBI Card lets you buy just about anything and repay in easy monthly installments. Choose the plan best suited to your financial needs and avail of a low rate of interest. All this on a simple phone call within 10 days of your purchase. Call the Helpline for details now!
Easy Money Facility
Now you can order a bank draft any time by just making a local phone call to the SBI Card Customer Helpline. The amount of the draft will be billed directly to your SBI Card. You'll find it useful for payments of various bills, taxes, fees and a lot more. For more details please call the SBI Card helpline.
Convenience of Technology
E-statement
No postal delays. No lost statements. No late payments. Just the convenience of getting your monthly statement delivered directly to your email inbox. Giving you global access 24-hr, seven days a week.
SBI Card Alerts
SBI Card Alerts enables you to receive information regarding your credit card status, as an SMS on your mobile phone. These include Mini Statement Alerts, Cheque Alerts, Credit & Cash limit Alerts & Payment Assistance Alerts. So, no matter where you are, we will keep you informed! To subscribe to SBI Card Card visit us at www.sbicard.com or call your local SBI Card Customer Helpline.
SBI Card Drop Box Locator
Simply
1. Type "PIN" < space > your 6 digit pin code xxxxxx
2. Send SMS* to 56767
3.You will receive the list of drop boxes in your area
Yes, it's that simple!
* Premium SMS charges apply
Fees
| Joining Fee (one time) | NIL |
| Annual Fee(p.a.)+ | Upto Rs. 250 |
| Addon Fee(p.a.) | Upto Rs 100 |
| Interest Free Credit Period | 20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full) |
| Finance Charges | Upto 1.99% p.m. (23.88% p.a.) from the transaction date |
| Minimum Amount due | 5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax |
| Cash Advance Limit | Upto 80% of Credit Limit ( Max. 12K / day & 15K / day for Gold & Platinum Cards ) |
| Free Credit Period | NIL |
| Finance Charges | Upto 1.99% p.m.(23.88% p.a.) from the date of withdrawl |
| SBI ATMs /Other Domestic ATMs | 2.5% of withdrawal amount or 300/- (WIH) per transaction |
| International ATMs | 3% of withdrawal amount or 300/- (WIH) per transaction |
| Protection Plus* | Personal Accident - Rs. 24 p.m. Credit Shield - 0.1% of Total Outstanding Admin Fee - Rs. 20 p.m. |
| Cheque Pickup | Rs 90/- |
| Cheque Bounce/Invalid Cheque | 2% of Cheque dishonor amount (Min Rs. 350, Max Rs. 500). |
| Statement Retrieval | Rs. 100 per Statement (> 2 months old) |
| Chargeslip Retrieval | Rs. 225 per Chargeslip |
| Late Payment | NIL for Total Amount Due upto Rs. 500; Rs. 200 for Total Amount Due from Rs. 501 - Rs. 1,000; Rs. 350 for Total Amount Due from Rs. 1,001 - Rs. 5,000; Rs 500 for Total Amount Due from Rs 5,001 - Rs 10,000;Rs. 700 for Total Amount Due above Rs. 10,001 |
| Overlimit | 2.5% of Overlimit Amount (Min. Rs. 500) |
| Card Replacement | Rs. 100 |
| Emergency Card Replacement (When Abroad) | Actual Cost (Min. $175) |
| Foreign Currency Transaction | Conversion mark up: 3.5% |
| Card Upgrade Fee | Upto Rs. 500 |
| Rewards Redemption Fee | Rs 99/- Plus GST |
| Railway Tickets - Railway Counters | Rs. 30 + 2.5% of transaction amount |
| Railway Tickets - www.irctc.co.in | 1.8% of transaction amount + service charge, as applicable |
| Petrol & all products/services sold at petrol pumps | 2.5% of transaction amount (Min. Rs. 10). |
| Order of Payment Settlement | Minimum Amount Due ( which is inclusive of GST + EMI on Loan plans + 5% of Total Outstanding ) , followed by Fees and other charges, Interest Charges, Balance Transfer Outstanding, Retail Outstanding and Cash Advance. |
#Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is subject to periodic review.
* Nil on Cash advance.
** Insurance is optional and a subject matter of solicitation.
*** Cheques payable outside clearing zones not accepted. We accept payment through local cheques /drafts payable in Delhi only.
Service tax as applicable on all above fee, interest and charges.
Your continued use of the card will be deemed acceptance of these amendments.
SBI Card Helpline
From BSNL/MTNL Lines 1800 180 1290
From All Other Lines 39 02 02 02
All information in this communication is correct as per June 2011 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com
About Us | Disclaimer | Escalation Matrix | Fair Practice Code | Privacy Policy | SBI Group | Order of Payment Settlement | Usage AgreementState Bank of India,Local Head Office 11 Parliament Street, New Delhi 110001