Head-to-head · 🇮🇳 India
SBI Pulse vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Pulse
Wins 1 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 6 of 10
Verdict
AU Bank LIT wins 6-1. India's first customizable card — choose your perks each month. SBI Pulse is still the right call if health/fitness focused — smartwatch + wellness benefits..
Side-by-side
| Criterion | SBI Pulse | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹1,499 | No annual fee |
| Joining fee | · ₹1,499 | None |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Noise smartwatch on activation + 5,000 reward points | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹200,000 / yr | · N/A (no fee) |
| Min income | · ₹360,000 | ₹300,000 |
| Min credit score | · 740 | 730 |
| Editorial rating | · 3.9/5 | 4.3/5 |
Benefits compared
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
AU Bank LIT
- Toggle between 4 benefit packs each month (cashback / travel / shopping / dining)
- 5x rewards on chosen category
- Lifetime free
- 4 domestic lounge visits/quarter
- 1% fuel surcharge waiver
FAQ
›SBI Pulse vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (6 vs 1). 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 Pulse for its best categories, AU Bank LIT for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Pulse: Noise smartwatch on activation + 5,000 reward points. AU Bank LIT: Customizable card features (toggle benefits on/off).