I am using sbi BPCL Credit card very bad experience from sbi. They put unwanted penalties and extra charges and also emi intrest rate is Tooo high compare to HDFC and ICICI. I have also HDFC and ICICI credit cards past 2 years their services are too good no issues still now. Pls don't brought sbi credit card this is my personal advice My rating is 0 only. Damn wast