Initially I use to think that govt banks are unnecessarily defamed, but this experience of mine made me realise that where ever there is smoke, fire is there. I applied for this card in the month of September and then had to wait quiet long to get any responce from the team SBI credit card. Something about their services, I had to approach the bank time and again and through them somehow I managed to contact the concerned indiviual and get my card after a long waiting of a month ( approximately) . Moreover there app is also not that user friendly. Their rates and charges are very high and offers provided are like peanuts.
