Yes, SBI cards is a cheat. They have put insurance premium on my card inspite of telling them i dont want it. They said I will get Rs 6000 by draft, which can be returned in a month.I told them i dont need the money, they said this will establish your creditworthiness. Draft was dated 17th, which is the billing dateand scarcely did I deposit the draft, when the bill came and I am supposed to pay the amount plus 225 odd rupees(admin charges) till the 7th, that is, i held the money for exactly 5 days.Frauds.