I am using Credit Cards for the last 12 years. SBI card was my first Credit Card. Now also I am using SBI Singature Card. Everything is fine with it. In comparison with other cards the rate of interest is almost same. But the service is very good. The only thing where customer goes unsatisfied in comparison with other cards, is its compulsory annual fee in the second year. Ofcourse, it provides redeem points in lieu of that, but the items are not of use of common man in daily life. this has to be improved.