Very delighted with the customer service. I have never had any problem with the SBI card and never has it been declined even when payments were delayed. Unlike the ICICI card which the terrible customer service and the DSA perennially bother you with calls selling products they dont even know fully about. ICICI card has been declined so many times, I dont use it for anything else other than at the petrol pumps. Too embarassing to get a card declined.
Different options for payment makes the SBI card friendly too. I have used the SBI card abroad too without any problems unlike the ICICI card and most wonderful thing about SBI cards - No Hidden Costs.
I had been using the ICICI card for a very long time and was frustrated using a card in India, after being pampered by the likes of Amex. SBI card is the best so far I have encountered in the credit card service. IF you have an option between ICICI and SBI. Go for SBI and you will have no issues.