Head-to-head · 🇮🇳 India
SBI SimplyClick vs SBI Pulse
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 8 of 10
IN
SBI Card
SBI Pulse
Wins 0 of 10
Verdict
SBI SimplyClick wins 8-0. First card for online buyers, low entry fee SBI Pulse is still the right call if health/fitness focused — smartwatch + wellness benefits..
Side-by-side
| Criterion | SBI SimplyClick | SBI Pulse |
|---|---|---|
| Annual fee | ₹499 | · ₹1,499 |
| Joining fee | ₹499 | · ₹1,499 |
| Top reward rate | 10% (shopping) | · 1% (general) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = Noise smartwatch on activation + 5,000 reward points |
| Fee waiver threshold | ₹100,000 / yr | · ₹200,000 / yr |
| Min income | ₹300,000 | · ₹360,000 |
| Min credit score | 700 | · 740 |
| Editorial rating | 4.4/5 | · 3.9/5 |
Benefits compared
SBI SimplyClick
- 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
- 5x rewards on all other online spend
- ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions
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
FAQ
›SBI SimplyClick vs SBI Pulse: which is better?
SBI SimplyClick wins on more dimensions (8 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 SimplyClick for online shopping, SBI Pulse for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI SimplyClick: Amazon e-gift voucher worth ₹500. SBI Pulse: Noise smartwatch on activation + 5,000 reward points.