One of the worst banks! A defective debit card that I requested to be replaced on 10th August 2021 was finally delivered to me on 10th October 2021 after repeatedly calling the toll free number many times and even approaching the home branch officials. I was advised to be patient and was assured that the card would definitely delivered to me in DUE COURSE OF TIME! After the card was delivered, I could not generate the temporary PIN and I was advised once again to try it on a CASH DISPENSING ATM! But the machine did not accept the card and declared it INVALID. I again had to go to the home branch where an official called someone on phone and I was told to try generating a PIN after two days! In the meanwhile payment against my credit card became due (I used to pay on Billdesk using my SBI debit card) and since I did not have my SBI debit card; I chose to pay using my BOB card but the Billdesk did not complete the transaction; though Billdesk offers the option of using BOB card for payment! I was then charged for delayed payments and after approaching the nodal offficer and explaining him the whole issue this charge was reversed! SBI, you simply rock!