Head-to-head · 🇮🇳 India
SBI Pulse vs SBI IRCTC Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Pulse
Wins 0 of 10
IN
SBI Card
SBI IRCTC Premier
VISA
Wins 3 of 10
Verdict
SBI IRCTC Premier wins 3-0. Heavy IRCTC train booking users. SBI Pulse is still the right call if health/fitness focused — smartwatch + wellness benefits..
Side-by-side
| Criterion | SBI Pulse | SBI IRCTC Premier |
|---|---|---|
| Annual fee | = ₹1,499 | = ₹1,499 |
| Joining fee | = ₹1,499 | = ₹1,499 |
| Top reward rate | · 1% (general) | 10% (travel) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Noise smartwatch on activation + 5,000 reward points | = 1,500 reward points + waived first-year fee on ₹1L spend |
| Fee waiver threshold | = ₹200,000 / yr | = ₹200,000 / yr |
| Min income | · ₹360,000 | ₹300,000 |
| Min credit score | = 740 | = 740 |
| Editorial rating | = 3.9/5 | = 3.9/5 |
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 IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
FAQ
›SBI Pulse vs SBI IRCTC Premier: which is better?
SBI IRCTC Premier wins on more dimensions (3 vs 0). 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 IRCTC Premier 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 IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend.