I have been using the SBI Credit Card for the last 21/2 years and have been at the receiving end for the both good and bad service from them. SBI card periodically offers cash back of 2% on utility payments as an initial promo. About 2 months later after receiving the card SBI offered me with 500 Rs cash back on a transaction 1000 Rs on the card. Consumers need to aware that the offer would be valid only for a certain period and the same need to be checked with the customer support before Swipe for the same.
The Customer service of this card has improved a lot over the last 2 years and friendly chat got me Interest waiver twice even the bill payment was done after Due date. Apart from the Credit card service the Bank offers Balance Transfer, EMI, and Flexi Draft. All the services are not up to the mark and would recommend to avoid the same to not to regret later as the time taken to provide the service is minimum 2 to 3 weeks for Balance Transfer, EMI or Flexi Draft.
The Card service for payment of utility bills and others is great provided you pay the complete Bill on time.
Listed below are the Pro and cons of the SBI Card.
ProsCash back on Utility payments Various options for Bill payments No Additional charges on the card.
ConsOnline Website for SBI Credit Card is always down. Balance Transfer, EMI, Flexi Draft service is one of the worst in industry Customer service is Bad Reward points are not as per the Industry The Customer care Number is available only till 8pm for general queries Interest on EMI, Flexi Draft, balance Transfer is Charged with Service Tax of 12.24%