I have had recent dealings with Nationwide, Egg and Tesco (RBS), all in the UK.
I suggest you find a card that appeals to you, and phone before applying to find out where the call centres are. If enough people complain the practice of farming calls out to foreign call centres may stop.
I did manage to embarrass myself last week though. I had to speak to VirginMedia and spoke to a heavily accented man who called himself Humphrey. A lovely man, but I couldn't understand him at all and was convinced his was in Mumbai. He wasn't - he was in the UK. Sorry, Humphrey.