Head-to-head · 🇮🇳 India
SBI Pulse vs Axis Atlas
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Pulse
Wins 5 of 10
IN
Premium
Axis Bank
Axis Atlas
Wins 3 of 10
Verdict
SBI Pulse wins 5-3. Health/fitness focused — smartwatch + wellness benefits. Axis Atlas is still the right call if travel-heavy spenders who transfer to airline partners (vistara, singapore airlines, etc.).
Side-by-side
| Criterion | SBI Pulse | Axis Atlas |
|---|---|---|
| Annual fee | ₹1,499 | · ₹5,000 |
| Joining fee | ₹1,499 | · ₹5,000 |
| Top reward rate | · 1% (general) | 10% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Noise smartwatch on activation + 5,000 reward points | = 5,000 EDGE Miles on joining |
| Fee waiver threshold | ₹200,000 / yr | · ₹750,000 / yr |
| Min income | ₹360,000 | · ₹800,000 |
| Min credit score | 740 | · 770 |
| Editorial rating | · 3.9/5 | 4.7/5 |
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
Axis Atlas
- 5x EDGE Miles per ₹100 on travel (5x cap above standard rate)
- 2 EDGE Miles per ₹100 on everything else
- 8 international + 8 domestic lounge visits/year
- Transferable to 20+ airline + hotel partners (1:2 ratio)
- 3.5% forex markup (high — pair with Diners for international)
FAQ
›SBI Pulse vs Axis Atlas: 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 Pulse for its best categories, Axis Atlas 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. Axis Atlas: 5,000 EDGE Miles on joining.