Hi friends, I am sakil I am student of class-xi and also use sbi creadit card. This card is easy for any transaction.the sbi irctc credit card is fast forever.I am use sbi irctc credit card per day.Iam also use this credit card with paytm and transection so easyli and so fast.at last this sbi credit card, s monthly charge is not so big.so friends use it.