Head-to-head · 🇮🇳 India
SBI Prime vs SBI Pulse
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Prime
Wins 3 of 10
IN
SBI Card
SBI Pulse
Wins 5 of 10
Verdict
SBI Pulse wins 5-3. Health/fitness focused — smartwatch + wellness benefits. SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | SBI Prime | SBI Pulse |
|---|---|---|
| Annual fee | · ₹2,999 | ₹1,499 |
| Joining fee | · ₹2,999 | ₹1,499 |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) | = Noise smartwatch on activation + 5,000 reward points |
| Fee waiver threshold | · ₹300,000 / yr | ₹200,000 / yr |
| Min income | · ₹480,000 | ₹360,000 |
| Min credit score | · 750 | 740 |
| Editorial rating | 4.2/5 | · 3.9/5 |
Benefits compared
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
SBI Pulse
- Free Noise ColorFit Pulse 2 smartwatch
- 4 reward points per ₹100 on chemists, dining, movies
- 4 domestic lounge visits/year
- 1-year FITPASS PRO membership
- Cult.fit + 1mg discount partnerships
FAQ
›SBI Prime vs SBI Pulse: which is better?
SBI Pulse wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use SBI Prime for its best categories, SBI Pulse for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra). SBI Pulse: Noise smartwatch on activation + 5,000 reward points.