Hi,
I have been using credit cards for almost 1.5 years after getting a job. Initially I got a gold credit card from HSBC. The service was good but there were not many offers available on that card. Around 1 year ago, I started using SBI gold credit card and till date I have not used any other card. The SBI credit card is really good, the service is excellent and you get to speak to the customer care number without any waiting.
Also they give frequent offers on card usage. One that was most convenient for me was to pay in 3 equal installments the amount used for purchasing my laptop. They did not charge any interest and only some processing fee of around 300/-. Also recently, they have upgraded my gold credit card to a platinum one.
All in all, I would suggest that if you are looking for good service, then go for SBI credit card. Also my advice to all card users, please treat your card the same way you treat your cash and make sure to clear all you dues every month. This way, you will save a lot of interests and will be an efficient credit card user.