DO NOT GO FOR SCB Credit Cards.
SCB credit cards have a variable rate of interest which is fixed based on how you pay back. The rate of interest goes up in case you make a partial payment(even if this partial payment is above the minimum amount due). The so called life time free cards from SCB are not really free - you need to do one retail transaction of 250 or more per year - else you will be charged a fee of 250.
Now regarding service:
Customer service is not upto mark. Half the time the customer service agents can’t help you out. And different customer service agents actually give you different answers .
Internet banking facility provided from SCB is not as secure as some of the other banks . i.e providing of virtual keyboards etc . . .
SCB doesn’t have a very good ATM service - and the charge for using another ATM is actually quite high.