Head-to-head · 🇮🇳 India
SBI Pulse vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Pulse
Wins 5 of 10
IN
SBI Card
SBI Air India Signature
VISA
Wins 4 of 10
Verdict
SBI Pulse wins 5-4. Health/fitness focused — smartwatch + wellness benefits. SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | SBI Pulse | SBI Air India Signature |
|---|---|---|
| Annual fee | ₹1,499 | · ₹4,999 |
| Joining fee | ₹1,499 | · ₹4,999 |
| Top reward rate | · 1% (general) | 8% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Noise smartwatch on activation + 5,000 reward points | = 20,000 Air India reward points |
| Fee waiver threshold | ₹200,000 / yr | · ₹500,000 / yr |
| Min income | ₹360,000 | · ₹1,200,000 |
| Min credit score | 740 | · 780 |
| 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
SBI Air India Signature
- 30 AI reward points per ₹100 on Air India bookings
- 4 reward points per ₹100 on others
- Air India Maharajah Club Silver
- 8 international + 8 domestic lounge visits/year
- Free Air India ticket on ₹5L spend
FAQ
›SBI Pulse vs SBI Air India Signature: which is better?
SBI Pulse wins on more dimensions (5 vs 4). 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, SBI Air India Signature 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. SBI Air India Signature: 20,000 Air India reward points.