Head-to-head · 🇮🇳 India
SBI Pulse vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Pulse
Wins 5 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 4 of 10
Verdict
SBI Pulse wins 5-4. Health/fitness focused — smartwatch + wellness benefits. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | SBI Pulse | SBI Aurum |
|---|---|---|
| Annual fee | ₹1,499 | · ₹9,999 |
| Joining fee | ₹1,499 | · ₹9,999 |
| Top reward rate | · 1% (general) | 4% (general) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Noise smartwatch on activation + 5,000 reward points | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹200,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹360,000 | · ₹3,500,000 |
| Min credit score | 740 | · 800 |
| Editorial rating | · 3.9/5 | 4.6/5 |
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 Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›SBI Pulse vs SBI Aurum: 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 Aurum 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 Aurum: 10,000 reward points + ₹10,000 brand voucher.