SBI cards is the worst card available in India. Credit limit is very low. Customer service is not good as there are no physical presence for the card, you can reach the card helpline by a call and that too it is not so good. It takes yearly maintenance charge which is the worst part of it. \Overall satisfaction level is very low as there are lot of faults in this card.If you have a choice to pick this card among others then give a second thought before selecting it?