SBI is the worst bank I hv been to. The staff ( except for 1 or 2) has no sense how to speak to their customers. You stand in the que and it takes forever for your turn to come. For college fees, I had no other option but to make a demand draft from this back. It took me so much time while on the other hand, if you go to a private bank, the staff will actually help you answer your query/resolve the issue. If you take sbi credit card, u will regret it throughout ur life. I used their fbb card and for a purchase of 57400, I am paying them more than 68000. Bunch of looters and I know why ppl hate government banks. Better go for pvt banks like kotak, hdfc etc rather than sbi.!