Hi, Way back in April 2009 I was contacted by an agency on behalf of SBI Railway Card promising me many free and discount offers. Later after receiving the card and its kit, I came to know that it is not applicable to me. Hence I didnt transact. Later from the 1st statement itself I saw some charges popping up in the name of Insurance and finance charges. Though I had been promised for a free credit card, there was many hidden charges visible on the statement. I tried contacting the customer care number, most of the times it doesnt... read full review »