Finance SBI Cards IPO: Here's a look at the company's strengths and weaknesses Updated : February 26, 2020 01:03 PM IST Any regulatory changes in MDR can disrupt the entire business model of SBI cards. Corporate NPAs in a slowing down economy pose a threat. The company is expected to focus on Tier II, Tier III and smaller cities gaining growth opportunities from SBI's customer base. Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.