For last 2 years I am using SBI card. SBI is not provided good offers and value-added service but I am holding for the backup. They sending notification of time its good. The rate of interest is high when compared with few other banks.
The customer services and response is also not up to the mark. If I got connected they take long time to resolve my query. There are no much offers and the bank also needs to improve on the interest rate and charges. Net banking service are really good with SBI credit card. There are EMI facilities which are very convenient as there are a lot of flexible options.
SBI is taking so many charges for the credit card transactions, without giving any prior intimation, they are not transparent in their service