I am using SBI master card last 4 years.in my experince its very good interms of security and speed.i am using my master card more over money.its easy to handle.the customer service also good.i feel they are very responsible.the rate and charges are they taken is very bad.why because some time sbi take a lot of money in the term of chargers.i lost huge money for that. I have a request to sbi to reduce the charges.aprt from it I am very much satisfied with this card.its very userfriendly card.my rating is 3.4/5