I have selected SBI card only because it has SBI attached with it and has very good network. But It took sometime for me to understand the reality of SBI card after using the card for 2 years. I would have never realised if I did not had serious financial crisis, which forced me to count and calculate all my money inflow and outflow.
Then I realised though I am paying mostly on an average 5 to 6K per month, but my outstanding remains more or less at 85 to 90K, though I had stopped using card completely. When I tried to take the stock with SBI card customer service, then the experience became worst.
In Every month in my statement I find multiple entries for same transaction with credit and debit.
The figures for charges and Interest is always misleading as statement has un necessary dummy entries and CSR have no answer to that.
Though their site https://sbicard.com/sbi/mitc.jsp claims maximum monthly charges is 3.1%, But It was always more than that. As they put Cash and purchase in two different head, so you are more confused. Their call centre executive does not what is the intrest comming at the month end.
Never ever consider taking SBI card as their system is not efficient and so also their customer care department are inefficient and do not do homework well.