SBI Card PULSE Vs SBI Prime Credit Card

SBI PULSE Credit Card is specially curated for fitness enthusiasts who love an active lifestyle. This card helps you manage your wealth alongside your health. With this credit card, you get a complimentary membership to Fitpass Pro and Netmeds First. You also get other benefits, such as complimentary access to domestic lounges, Priority Pass Membership, etc. This card has a joining fee and renewal fee of Rs. 1,499, which can be waived based on your spending in the previous year.

On the other hand, the SBI Prime Credit Card, which is a toned-down version of the SBI Elite Credit Card, offers great reward points on your lifestyle spending and is comparable to the Pulse Card. SBI Card offers this card in three variants: Visa, MasterCard, and American Express. This card provides higher reward points on dining, groceries, and department store purchases. The SBI Prime Credit Card offers you some value-added benefits such as complimentary domestic and international lounge access, discounts on hotel bookings, and movie tickets. This card comes with a joining fee and renewal fee of Rs. 2,999, which can be waived on the basis of your spending in the previous year.

Both credit cards offer unmatched deals in their respective categories, depending on where you spend. Let us discuss in detail the features and benefits that these cards provide to have a better understanding of these credit cards –

SBI Card PULSE

The SBI Card PULSE provides some unmatched advantages over the others present in the pool. It provides some exclusive benefits like Fitpass Pro and Netmeds First membership to fitness lovers. This card lets you earn reward points on your regular spends and accelerated reward points on select categories. Along with the health benefits, you also get complimentary access to the domestic lounge and Priority Pass Membership. You also get other benefits such as travel insurance coverage, fuel surcharge waivers, etc. This card comes with a joining and annual fee of Rs. 1,499. The following are the detailed features and benefits that come along with this credit card –

• As a welcome benefit for paying the joining fee and completing at least one retail transaction, you will receive a Noise ColorFit Pulse 4 Pro Smart Watch valued at ₹7,999, along with complimentary Fitpass Pro and Netmeds First memberships.
• You can earn 5x Reward Points for every Rs. 100 spent while spending on movies, dining, pharmacy, and chemist.
• You get 2 Reward Points for every Rs. 100 spent on all other categories. (This does not include fuel transactions, wallet reloads, etc.)
• You are entitled to a 1% fuel surcharge waiver on all transactions between Rs. 500 and Rs. 4,000 at all fuel stations across India. The surcharge is limited to Rs. 250 per statement cycle.
• You get a complimentary Priority Pass Membership for the first 2 years with the SBI Card PULSE.
• You are entitled to 8 complimentary domestic lounge visits per year, limited to 2 per quarter.
• As a milestone benefit, upon spending Rs. 4 Lakhs or more in an anniversary year, you get a Netmeds e-voucher worth Rs. 1,500
• Reward points earned with this credit card can be redeemed against an array of products available on the SBI Website. Additionally, the points earned can be redeemed for cash, wherein 1 RP = Re. 0.25

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SBI Prime Credit Card

SBI Prime Credit Card is a downgraded version of the SBI Elite Credit Card. The features and benefits are similar to those of the SBI Elite Credit Card. You can earn accelerated reward points on dining, grocery, and department store purchases, as well as on payments made with this card. In addition to reward points, this card provides domestic and international lounge access, discounts on hotel bookings, and more. With a joining fee of Rs. 2,999 (plus applicable taxes), the rewards and benefits are quite decent.

• As a welcome gift, you get a gift voucher worth Rs. 3,000, valid for any brand of Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra.com.
• You earn 5x Rewards for every Rs. 100 spent on movie, grocery, dining, and department store bills.
• 2 Reward Points for every Rs. 100 spent on all other categories
• 10x Reward Points for every Rs. 100 spent on your birthday (a day before, a day after, and on the day of your birthday). The reward points on birthday spends are capped at a maximum of 2,000 per calendar year.
• The cardholder can enjoy 8 domestic and 4 international complimentary lounge access. (limited to 2 per quarter)
• With the SBI Prime Credit Card MasterCard Variant, you can enjoy 4 rounds of complimentary green fees and up to a 50% discount on golf games, along with 1 complimentary lesson per month at selected golf courses in India.
• 1% fuel surcharge waiver on all transactions between Rs. 500 and Rs. 4,000 at all fuel stations across India. (Waiver capped at Rs. 250 per month)
• You will receive the following milestone benefits: a Pizza Hut e-voucher worth Rs. 1,000 upon spending Rs. 50,000 in a quarter, and an e-voucher from either Yatra or Pantaloons for achieving annual spends of Rs. 5 lakh.

• The rewards earned with this card can be redeemed for gift vouchers available at the SBI Card website, or for paying the SBI Credit Card Bill, wherein 1 Reward Point = Rs. 0.25

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Quick Comparison

Now that we have discussed the features of both the cards individually, let us now have a quick comparison between SBI Card PULSE and SBI Prime Credit Card –

Bottom Line

Both the credit cards issued by SBI Card, namely SBI Card PULSE and SBI Prime Credit Cards, are quite decent credit cards that help you earn generous reward points on almost all your spending done using these credit cards. On one hand, the PULSE Card, known as the fitness card, helps you earn accelerated reward points while spending on Pharmacy and chemist purchases, while the Prime Card helps you earn multiplied reward points on dining, movies, groceries, and department stores. This card lets you earn quite high reward points while you spend using this card on your birthday. Both cards provide complimentary lounge access at domestic airports, but the SBI Prime Credit Card also offers access to international lounges and other travel benefits.

The SBI Card PULSE is placed at a joining fee of Rs. 1,499, and the SBI Prime Credit Card is placed at a joining fee of Rs. 2,999. At these joining fees, both credit cards provide quite great reward points and other additional benefits as well. The cardholder will have to go through the features and benefits of the cards individually and then decide, according to their needs and wants, which card he/she want to opt for.