The SBI credit card hasn’t any security features. There is a wrong transaction occurs with me about 3-4 times. First wrong transaction is occured when I have add 20 RS to my paytm wallet. In this case credit card automatically payout 30 RS instead of 20 RS. The second wrong transaction is occured at a shop where the card shows that there is not mich balance in your account. But I have about 32000 RS in my bank account and the card doesn’t payout 400 RS. The third mad mistake of card is that when I debit any amount from card to any e- wallet it doesn’t send OTP to my phone number. So, if another person having my card number can use it.