I am okay with SBI credit card. But I would say that the service what they provide is not convenient at all. Customer service, rate of interest, service charges etc were not that okay . For instance the charge what they levy as an annual fee plus rate of interest is very also high for the loans when compared with others banks. The customer care never picks the call. the rate of interest are very high as compare to other bank cards. sbi charges a very high service charge on the cards. I suggest dont go for the sbi card go for any other bank cards but not sbi cards as they are very highly overrated and expensive.