SBI Credit Card is not a SBI product first of all. It is managed by GE Capital. It is a perfect waste product.
I used SBI card for only for 3 months. Never received bill on time.
And after paying all my expenses in full, till 2 years later also I am getting call from collection / settlement department at regular interval.
I am signature card holder of many other bank Credit card and for last 10 years using the same; but never faced any such issues.