We have some many uses with a credit card but in sbi bank the transations charges are more and also comparing with other banks credit cards this bank gives low budget rewards .when we paying the credit card bill the payment charges are high and there is no intimation on billing.when we are applying for new credit card bank will give more offers and credit points we will give that’s like there are saying but my personal experience past one year I am using SBI credit card there is no reward points and no offers and online shopping also not able to getting credit points.