{"id":4971,"date":"2018-06-02T04:53:09","date_gmt":"2018-06-01T23:23:09","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?page_id=4971"},"modified":"2019-09-25T12:35:16","modified_gmt":"2019-09-25T07:05:16","slug":"dena-bank-credit-cards","status":"publish","type":"post","link":"https:\/\/www.antworksmoney.com\/blog\/dena-bank-credit-cards\/","title":{"rendered":"Dena Bank Credit Cards"},"content":{"rendered":"<p>In the introduction of services such as the Minor Savings Scheme, a drive-in ATM counter, Smart Cards at certain\u00a0Mumbai\u00a0branches, a system for customers to rate bank services and tele-banking facilities for certain cities. Dena Bank was also one of the few recipients of funding from the World Bank for technological enhancements.<\/p>\n<h2><strong>Dena Bank Credit Card Schemes<\/strong><\/h2>\n<p>Dena bank has two different credit cards.<\/p>\n<div class=\"cta-section\"><\/div>\n<ol>\n<li style=\"list-style-type: none\">\n<ol>\n<li>SBI Dena Secured Credit Card<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<div class=\"row btm-pad product-landing-btn-block\"><\/div>\n<ol>\n<li>Dena Laghu Udyami Credit Card Scheme (DLUCC)<\/li>\n<\/ol>\n<h2><strong>SBI Dena Secured Credit Card<\/strong><\/h2>\n<p>This is a secured, co-branded credit card.<\/p>\n<p><strong>Eligibility<\/strong><\/p>\n<ul>\n<li>Offered against a fixed deposit maintained with Dena Bank<\/li>\n<li>Minimum Deposit Amount = Rs. 30,000<\/li>\n<\/ul>\n<p><strong>Features<\/strong><\/p>\n<ul>\n<li>Introductory cash back offer of Rs.100 on 1st cash withdrawal within first month of obtaining the card.<\/li>\n<li>Interest Free Credit Period of up to 50 days (on retail spends if there is no balance outstanding).<\/li>\n<li>Interest rate on extended credit @ 1.99% p.m.<\/li>\n<li>Cash withdrawals from over 1.2 million locations i.e. domestic &amp; international Visa Card ATMs.<\/li>\n<li>Add-on cards for immediate family members.<\/li>\n<li>Global usage at 2 million visa outlets<\/li>\n<li>Assistance:\n<ul>\n<li>SBI Card Customer Care Helpline<\/li>\n<li>24 hr. VISA\/MasterCard global customer care<\/li>\n<\/ul>\n<\/li>\n<li>www.irtc.co.in Railway Ticket:\n<ul>\n<li>Booking and delivery<\/li>\n<\/ul>\n<\/li>\n<li>Utility Bill Payment facility.<\/li>\n<li>Balance Transfers from other credit cards.<\/li>\n<li>Flexi pay Plans available to make repayments in installments at low interest rates.<\/li>\n<li>Easy Money facility:\n<ul>\n<li>Order bank drafts through\u00a0SBI Card\u00a0Customer helpline<\/li>\n<li>Draft amount billed directly to the card<\/li>\n<\/ul>\n<\/li>\n<li>Monthly e-statements<\/li>\n<li>Status updates through SMS or phone.<\/li>\n<li>Drop Box locator: SMS 6 digit PIN Code to get location list.<\/li>\n<\/ul>\n<div class=\"row btm-pad product-landing-btn-block\">\n<div class=\"col-md-12 link-section\"><strong>Fees, Charges and Other Costs:<\/strong><\/div>\n<\/div>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li>No joining fee; Annual Fee: Up to Rs.250; Add-on Fee: Up to Rs.100<\/li>\n<li>Finance Charges will be applicable from date of transaction in case of extended credit @ 23.88% p.a. or 1.99% p.m.<\/li>\n<li>Minimum Amount Due = 5% on Total Outstanding Amount; subject to a minimum of Rs.200.<\/li>\n<li>Late Payment Fees:<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<table border=\"1\">\n<tbody>\n<tr>\n<td><strong>Amount Due<\/strong><\/td>\n<td><strong>Fee<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Rs.0 &#8211; Rs.200<\/td>\n<td>Nil<\/td>\n<\/tr>\n<tr>\n<td>Rs.200 &#8211; Rs.500<\/td>\n<td>Rs.100<\/td>\n<\/tr>\n<tr>\n<td>Rs.500 to Rs.1,000<\/td>\n<td>Rs.200<\/td>\n<\/tr>\n<tr>\n<td>Rs.1,000 to Rs.5,000<\/td>\n<td>Rs.350<\/td>\n<\/tr>\n<tr>\n<td>Rs.5,000 to Rs.10,000<\/td>\n<td>Rs.550<\/td>\n<\/tr>\n<tr>\n<td>Rs.10,000 and above<\/td>\n<td>Rs.750<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li>Cash advance allowed up to 80% of credit limit\n<ul>\n<li>Interest @ 23.88% p.a. or 1.99% p.m. will be charged from date of withdrawal<\/li>\n<li>Withdrawal Fee &#8211; Higher than 2.5% of amount withdrawn or Rs.300 (SBI and other Domestic ATMs); Higher than 3% of amount withdrawn or Rs.300 (international ATMs).<\/li>\n<\/ul>\n<\/li>\n<li>Cheque:\n<ul>\n<li>Pickup &#8211; Rs. 90<\/li>\n<li>2.00% of amount dishonored in case of bounced or invalid cheques; subject to a minimum of Rs. 350 and a maximum of Rs.500<\/li>\n<\/ul>\n<\/li>\n<li>Retrieval of:\n<ul>\n<li>Statements &#8211; Rs.100 per statement older than 2 months<\/li>\n<li>Charge slips &#8211; Rs.225 per slip<\/li>\n<\/ul>\n<\/li>\n<li>Breach of limit &#8211; 2.5% of amount overused subject to a minimum of Rs.500<\/li>\n<li>Card Replacement:\n<ul>\n<li>Domestic &#8211; Rs.100<\/li>\n<li>Abroad &#8211; Actual; subject to a minimum of $175<\/li>\n<\/ul>\n<\/li>\n<li>Conversion mark-up of 3.5% for foreign currency transactions<\/li>\n<li>Card Upgrade &#8211; Up to Rs.500; Rewards Redemption &#8211; Rs.99; Cash OTC &#8211; Rs.100<\/li>\n<li>Surcharge on booking railway tickets:\n<ul>\n<li>At railway counters: Rs.30 + 2.5% of transaction amount<\/li>\n<li>Through www.irctc.co.in: 1.8% of transaction amount<\/li>\n<\/ul>\n<\/li>\n<li>2.5% fuel surcharge waiver on transaction amounts from Rs.500 to Rs.3000 exclusive of GST, subject to maximum waiver of Rs.100 per billing cycle)<\/li>\n<li>Optional Personal Accident Insurance Cover: Rs.24 p.m.; Credit Shield &#8211; 0.1% of Total Outstanding; Admin Fee &#8211; Rs.20 p.m<\/li>\n<li>Payments will be settled in the following order:\n<ul>\n<li>Minimum Amount Due (including EMIs on loan plans and GST)<\/li>\n<li>Fees and charges<\/li>\n<li>Interest Charges<\/li>\n<li>Balance Transfer Outstanding<\/li>\n<li>Retail Outstanding<\/li>\n<li>Cash Advance<\/li>\n<\/ul>\n<\/li>\n<li>Finance charges may change depending on card usage and repayment<\/li>\n<li>GST would be levied to the above mentioned charges, fees, costs wherever applicable<\/li>\n<\/ul>\n<h2>Dena Laghu Udyami Credit Card Scheme (DLUCC)<\/h2>\n<p>This product is part of Dena Bank\u2019s MSME product portfolio. It is aimed at providing credit to those engaged in medium and small scale businesses including retail traders, self-employed persons, professionals, small industrialists and businessmen.<\/p>\n<p><strong>Eligibility:<\/strong><\/p>\n<ul>\n<li>Existing MSME customers of Dena Bank with &#8211;\n<ul>\n<li>satisfactory\/creditworthy relationship with the bank<\/li>\n<li>working capital up to Rs. 10 lakhs (for the last 3 yrs.)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>Features:<\/strong><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li>Credit Limits:<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<table border=\"1\">\n<tbody>\n<tr>\n<td>Artisans, retail traders, small entrepreneurs and businessmen<\/td>\n<td>20% of declared annual taxable turnover<\/td>\n<\/tr>\n<tr>\n<td>Self-Employed Persons<\/td>\n<td>50% of declared annual taxable turnover<\/td>\n<\/tr>\n<tr>\n<td>Maximum per party<\/td>\n<td>Rs. 10 lakhs<\/td>\n<\/tr>\n<tr>\n<td>Increase in Limit<\/td>\n<td>On request or automatically, at bank\u2019s discretion, subject to periodic review of account operation<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li>Validity: 3 years (subject to satisfactory operation of the account)<\/li>\n<li>Interest Rate Applicable: Prime Lending Rate (PLR)<\/li>\n<\/ul>\n<p>All information provided is as per bank releases. Rates are subject to change without notice at the bank\u2019s discretion. All information should be read in conjunction with the Terms and Conditions outlined by the bank for the offer.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In the introduction of services such as the Minor Savings Scheme, a drive-in ATM counter, Smart Cards at certain\u00a0Mumbai\u00a0branches, a system for customers to rate bank services and tele-banking facilities for certain cities. Dena Bank was also one of the few recipients of funding from the World Bank for technological enhancements. Dena Bank Credit Card &hellip; <a href=\"https:\/\/www.antworksmoney.com\/blog\/dena-bank-credit-cards\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Dena Bank Credit Cards&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-4971","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Antworks Money &#8211;  The Blog on Personal Finance | Guide to Loans, Credit Cards, Insurance and Investments<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.antworksmoney.com\/blog\/dena-bank-credit-cards\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:description\" content=\"In the introduction of services such as the Minor Savings Scheme, a drive-in ATM counter, Smart Cards at certain\u00a0Mumbai\u00a0branches, a system for customers to rate bank services and tele-banking facilities for certain cities. Dena Bank was also one of the few recipients of funding from the World Bank for technological enhancements. 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