Hi All.The exoerience if SBI simply card is nit worth.I has used for one year and It gives u option of cash transfer, balance transfer and EMI but if we compare with others bank, It is a worst deal and doesnt give us to use it smartly.Customer service will call u about bill due but it will be a dialer call and u cant answer them as Its automated and they will call u again and again on bill date and payment date and thats the worst thing and if u will miss any payments, collection team will get in touch with no respect.The rate and charges of a credit card is very high specially balance transfer and EMI is only available in special offer.I have a worst history about it and I have closed the account now.I will suggest it that use it but smartly else u will be in debt and burden.
Rest upto ur usage and interest.use point system well as it will be beneficial.Rest up to u.I will say No to this. thanks