I am using State Bank of India Master Card Credit Card for long 3 years. I am charging 650 INR each years. This card doesn’t offers cash back to the groceries stores or petrol fuel purchase, if the card provide cash back offers in groceries stores or petrol purchase it would be useful for me but it does offers for movie tickets 1000 INR cash back in each year. The rate of interest in EMI’s this card is charging 16.3 percent which they are charging high comparing to others. The customer care are also less experienced as they doesn’t solve any issues instantly, they delays a long time in solving in any issues and the customer care doesn’t notifies me any existing offers which are available in my credit card. I had bad experienced with this card. So I recommends everyone to select other cards rather than this.