I have used various credit cards.. But, This is the worst amongst them. Customer service is worst and located in Chennai who do not know English nor any language other than Tamil. They will start calling you atleast 10 times a day if you do not pay the amount in time and will start using abusive languages. Probably SBI does not know the meaning of "Credit".. using which we can pay later..
Even Managers are worst.. I had requested to close the card and I get statement even now. I had to pay around 400-500 Rs extra because of negligence of these Customer service people.. Please do not go for this card.. Other cards might charge you extra but service would be good and you will have peace of mind.. If you spend even a single rupee on this fuck-in card, your happiness is screwed until you pay it back....