I am having sbi credit card from last 2 years. got the credit card in with 1 year no chanrges. they have provided very nice online portal(https://sbicard.com/creditcards/app/user/login) where you can download statement. Change your card pin. so many things and the best thing is that now a days SBI has offer on almost all online portal(amazon, flipcart, snapdeal). Customer service is not good so in think they want to improve the customer service. if you are getting this card free for 1 year, my suggestion is go for it for online shopping.