Should I take SBI credit card? Based on SBI credit card users reviews

Friends, if you want to know that should I take SBI Credit Card, then this article is only for you because in this article I am going to tell you about all the advantages and disadvantages of SBI Credit Card.

State Bank of India (SBI) is an Indian Multinational Public Sector Bank and Financial Services Statutory Body whose Headquarters are located in Mumbai and Maharashtra.

Should I take SBI credit card? SBI credit card users reviews

People have a great desire to take Credit Cards and in between they have a desire to take SBI Credit Card. Before applying the Credit Card of any bank, you must know about the Pros and Cons of the Credit Card because many people apply the Credit Card without knowing the advantages and disadvantages of the Credit Card and later they regret it.

Credit card is not a bad thing, but if you do not use it smartly, then it can prove to be harmful for you and if you want to apply for SBI’s credit card, so whether you should take SBI’s Credit Card or not and whether it is beneficial for you, you are going to know all this in this article.

Should I Take SBI Credit Card  

Many people want to get the Credit Card of SBI because SBI is a very big and very old Indian bank. That’s why people have a lot of trust on this. But because of this, many users of SBI’s Credit Cards say that taking SBI’s Credit Card is a great folly and you should not take it.

Now why do they say this, we will try to know all this step by step below and you will be able to decide for yourself that you should take SBI’s Credit Card.

Main reasons not to take SBI Credit Card:

Customer Care Communication Skill Are Bad

Before you take SBI credit card, you must know that communicating through phone with their helpline is next to impossible. Many of these SBI Credit Card users say that their customer care service is very bad. They make you wait a lot and hardly you will get the solution of your problem from there.

Automated button numbers are dictated by voice calling system. When you press the needed option (say 1) mostly they would say ‘’there is no input”. After 3 times the call will be cut.

After several such attempts, they will keep on saying ”sorry the line is busy”.

This type of Customer Care Communication Skill may not let you sleep the whole night because you have not been able to get a solution to your problem from SBI Customer Care.

SBI Banking App Are Not Good

SBI Banking App, most of the time it won’t work, I mean when we need it most. Their users say that when they try to pay their Credit Card bill from their officially App, in which Due Date is tomorrow, then this App stops working at that time and because of this you might become a victim of their Late Payment Interest.

If you are not able to pay your credit card bill on time, then it does not matter to them what was the reason for not paying your bill and even if it is their fault. For example, if you are not able to pay your credit card bill on time because of their official app not working properly, then they do not say anything except ‘We are Sorry’ and you don’t get the Satisfying answer from them.

Coming to interest they are way too high. It has happened with any of their Credit Card Holders that they forget to pay their credit card bill which was around Rs 6000 and its outstanding was around 21000. They charged me with an interest amount of around 1500 including taxes etc.

SBI Cashback Credit Card

Customer Care Are Cheaters

SBI Credit Card users say that if you want to give them your credit card, then they call you again and again and request you to apply for this credit card. It is possible that in order to get that credit card issued, these people tell you the limit more than the fixed limit and later they issue you a credit card with a lower limit.

In such a situation, when you complain about it, you do not get any positive feedback from their side. They keep you on the Waiting List and after a long time transfer your call to the Customer Service Representative.

More shameless and liars work there than you can imagine, don’t care about the consumers, and they are ready to beg any kind of way to give the card.

Final Words:

All the reasons given have been shared on the basis of the reviews of SBI users which are available on the internet. It is possible that SBI has also maintained these Weak Points by looking at these bad reviews of its customers.

The main purpose of all the Reasons mentioned here is that whenever you think about taking SBI’s Credit Card, you must keep all these points in mind and when you are 100% sure that SBI has covered all its Weak Points, then you can apply for SBI’s Credit Card.

Hopefully, with the help of this article, you would have got help in knowing that should I Take SBI Credit Card. If you have any question or suggestion regarding this context, then definitely tell us. Your Feedback is useful for us.


ALL articles on this website are written for informational purposes only, it does not have the intention of defaming any company or service. The information presented has been shared on the basis of its knowledge and experience. That's why before having full faith in the information, do research at your level.

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