We have SBI Credit card and it is very useful specially for online purchase .It is a platinum credit card and it has a tie up with IRCTC so for every purchase some points are added and we also got one ticket almost free .We are frequent travellers so we whenever buy a ticket or book a ticket some points are added in terms of next time purchase or discount and for per Rs.125 we get benefit .Apart from that all over the country for purchase of petrol in some petrol pump we get benefit and we get discounts or points that we are able to redeem .We also get 5% discount or prompt cash back if we purchase clothes at shoppers stop or big bazaar.So it is very useful .Only make it sure that in your savings there is enough balance left .Please avail a credit card of SBI and take the world in your stride .It is very useful and I am reaping its benefits