While the SBI visa credit card offers several benefits, it comes with a few drawbacks. Annual fees is quite high, especially for premium cards. There is also a high interest rates which can quickly add up if you are unable to pay your dues in each month. Rewards points have a expiry dates . There is a long queue and unhelpful response when trying to solve the problem.the card offers discounts on flights and hotel bookings but they have hidden charges and much expensive after apply gst and tax. Sbi visa credit card is not useful. there is no flexible repayment and interest rate is quite high and they have a wide range of products. I would not recommend this