The SBI Credit Card Division is charging Hidden cost on credit card holders (i.e., Insurance premium amout for the outstanding amount) which amount you are not used that you have to pay while using sbi card. I have told them to cancel the Insurance coverage (premium amount) and not paid the coverage amount. And they have charged late payment fee also for the same amount which i am not suppose to pay. So SBI Credit Card holder please be aware of this. read full review »