Sbi simply save card. As a welcome offer you will get 2000 reward points worth Rs 500. EMI option is there. Balance transfer facility is there. You can opt for add on card and give to anyone in blood realtion for use. Fuel surcharge i.e 2.5% will be waived off. For every 100 rupees you will get 10× rewads point at grocery, departmental stores, dining and movies. Annual fees is 499 but waived off condition, you have to spend 90k in whole year to waived off your that year fees.