It has card to card balance transfer facility which is appreciable, means you can pay your another bank credit card bill with SBI cards.
Earlier Fuel Surcharge of 2.5% was waved off on each and every fuel station in india but now only 1% will be waived off.You can adjust your welcome reward point with annual charges. Best card for low income group. It has concierge service as another plus point. Insta loan facility is there. It has world wide acceptance. Customer care service is poor.