Is an SBI credit card good with out any hidden charges? Which SBI credit card is free for the life time ( Like platinum, Gold etc). Can we use a credit card as a debit card? What are the requirements so that they will give me a credit card (should i have a permanent salary or something, or some minimum balance or transactions etc) ? What are the demerits of a credit card over debit card? Please give me a link to apply for a credit card which is free for life time in SBI.