I got SBI Platinum Card last month and I have purchased a mobile phone. Service with SBI Credit Card is really good Rate of interest is nominal with this card. I am also getting better discounts on online purchases, in addition to this, fuel surcharge is applicable on this card, the time was about 45 days to pay my credit card bill. I can also pay through SBI Online portal. The annual fee is 500 rupees on this card. I am happy with the credit limit. My SBI credit card is actually on time, so till date I have not faced any problem with them.