I would recommend this product to all those people who are starting with this wrong habbit of keeping credit cards. Unluckily I started with wrong bank (Citibank and then got struck on the next level SC).
Then after I got febup by paying my bills I shifted at last to SBI, one of the best thing which I could get was the card with only credit limit of 20, 000. Now some people may think that I am crazy to treat such low credit limit as a pros..... because for a wroking professional like me its very important I keep track of my expenses and do not over shoot which normally we intent to do only because we have an option to do so.
This credit limit will avoid you from taking personel loans to pay ur credit card bills, beleive me I have done it couple of times by now :-)
Its accesbility to rural area is another very good facility which is more helpfull for frequent trvallers to rural areas.
Rate of Interest is what is decided on the calls and I haven’t seen it exceed and neither I ever felt I was un-necessarilly billed for wrong stuff.
I don’t expect more from my CC :-)