I have an account with SBI since a long time so I applied for a gold credit card for my online shopping needs.
Well their process is really slow! it took them close to a month to complete all the documentation and formalities. After that I received the card. The card had many limitations guys, I had a problem on two international websites which did not accept the card and the transaction was failed! that is very annoying. I also could not use this card outside India to withdraw money from an ATM, many other credit cards give this facility.
other issue I had with this card was that they gave me an insurance policy along with it, and they kept charging the premium for that every month from me however I did not have any documents of that policy. I tried to do a follow up for getting the documents but could not succeed as the head office of the bank directed me to my home branch and the home branch directed me to the credit card issuing officer and that person directed me to the insurance company! I was hopelessly forced to pay the premium every month!
I finally decided to end this headache and cancelled my credit card with sbi. I surrendered it after about 6-7 months. My advice is dont go for it. chose some other bank. Its a thumbs down from me.