Don't you have any time when you have no money in your pocket and even in your account then using sbi card you can shop whatever you want and pay it after one month. I am going to tell you the feature of sbi card and how it works .
Using SBI card you can purchase things with very differnt offers and you will have to pay that amount after one month and you always get 1% discount for your shopping.
I advice you not to use credit card for cash withdrawls as it will charge it minimum of Rs.300 for each transaction.
One more amazing feature is of flexipay by which you can cut your shoping expenses in instalments of six twelve or twenty four months with 14 percent interset rate.
And I also prefer you to buy anything after 15th of month as your bill statement is launched on 15 so you will get 50 day for returning it.
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