SBI SimplyCLICK Credit Card vs SBI Card PULSE

SBI being one of the major credit card issuers in the market, issues various credit cards starting from basic credit cards to super-premium credit cards. SBI SimplyCLICK Credit Card, is a basic yet most popular entry-level credit card in the market. This credit card is quite famous among first-time credit cardholders as this card provides great reward points while the customer uses it for his regular transactions. The cardholders will get a high reward rate of 2.5% while they spend using this credit card on online websites such as Amazon, Cleartrip, Apollo24x7, Netmeds, BookMyShow, Dineout, and Lenskart and decent reward points on other transactions.

You can also earn gift vouchers as a welcome benefit to this credit card. The cardholders can also earn vouchers worth Rs. 4,000 as a milestone benefit with this credit card. Since this is a basic credit card, the joining and renewal fee of this credit card is placed at Rs. 499, which is quite affordable and does not offer any value-added travel and lifestyle benefits to the credit cardholders.

The SBI Card PULSE is an exclusive credit card that provides credit cardholders with various health benefits to enable them to manage their health and wealth in an effective manner. You will get a huge welcome benefit on paying the joining fee of this credit card. Additionally, the cardholders will also get complimentary subscriptions to Netmeds First and Fitness Pro which will get renewed every time you pay the renewal fee on the credit card. Also, the cardholders will get generic and accelerated reward points while they spend on some specific categories. Since this is an exclusive credit card, the cardholders will get complimentary access to the domestic airport along with Priority Pass Membership for 2 years. You can also get gift vouchers as milestone benefits on achieving specific spends in an annual year. This credit card comes with a joining and renewal fee of Rs. 1,499 which is eligible for a waiver on the basis of the amount you spend using your credit card.

Both the credit cards by the State Bank of India are quite different credit cards. While one is a basic credit card suitable for those who are new entrants in the field of credit cards, the second one is an exclusive credit card specially designed for enthusiasts whose priority is their health. Now let us first discuss in detail the features and benefits that individual credit card provides to have a better understanding of these credit cards.

SBI SimplyCLICK Credit Card

This is an entry-level credit card by SBI Bank that is quite famous amongst the new entrants in the field of credit cards. This credit card provides the cardholders with some exclusive benefits in the form of reward points while you spend using your credit card. The cardholders can earn reward points on regular spending made using the credit card and accelerated reward points while they spend on some specific categories such as while shopping on Amazon, BookMyShow, etc. Apart from this, this card also provides you with a fuel surcharge waiver and waiver of the annual fee on the basis of the amount spend using your credit card in the previous year. The SBI SimplyCLICK Credit Card comes with an annual fee of Rs. 499 which is quite in sync with the benefits and rewards that this card provides. Following are the detailed benefits of this credit card –

• Upon paying the joining fee of the credit card, the cardholder will get an Amazon voucher worth Rs. 500 as a welcome benefit.
• The cardholders will get 1 Reward Point for every Rs. 100 spent using this card on all offline transactions except fuel.
• Higher reward points, i.e., 5x for every Rs. 100 spent while you spend on all online transactions using this credit card.
• Accelerated reward points, i.e., 10x for every Rs. 100 spent at partner merchants including Amazon, Cleartrip, BookMyShow, Dineout, Lenskart, Apollo 24×7, and Netmeds.
• A maximum capping of 10,000 Reward Points per month is applicable on the bonus reward points (under the 5x and 10x categories) that can be earned on online spends using this credit card.
• The cardholders will get the following as milestone benefits –

– An e-voucher worth Rs. 2,000 from ClearTrip on achieving annual spends of Rs. 1 Lakh.
– An e-voucher worth Rs. 2,000 from ClearTrip on achieving annual spends of Rs. 2 Lakhs

• The annual fee of the credit card worth Rs. 499 can be waived off if the cardholder is able to achieve spends of Rs. 1 Lakh using the credit card in an anniversary year.
• The cardholders are entitled to a fuel surcharge waiver of 1% on all fuel transactions between Rs. 500 and Rs. 3,000 at all fuel stations in India. The maximum waiver is capped at Rs. 100 per month.
• The reward points earned with this credit card can be redeemed against gift vouchers and products available on the sbicard.com website or application.
• The points can also be redeemed against the card’s outstanding balance through internet banking.
• For redemption purposes, 1 Reward Point = Rs. 0.25.

Click here: SBI SimplyCLICK Credit Card Review.

SBI Card PULSE

The SBI Card PULSE is an exclusive credit card that has been specially designed keeping in mind the requirements of people who are quite alert about health. With this credit card, as a joining benefit, the cardholders will get a smartwatch which will help them in keeping a track of their health in a better way. Not just this, but the cardholders will also get complimentary membership to Netmeds First and Fitpass Pro. Additionally, the cardholders can also earn higher reward points while they spend on some specific categories. With SBI Card PULSE, the credit cardholders will get complimentary Priority Pass membership and access to domestic airport lounges. You will also get various insurance benefits such as air accident insurance cover, travel insurance cover, etc. Following are the details of the rewards and benefits that this credit card provides to the cardholders –

• You get the following as the welcome benefits only when the cardholders pay the joining fee on the credit card or make at least one retail transaction using the credit card –

– The cardholders will get a complimentary Noise ColorFit Pulse Smart Watch which is worth Rs. 4,999. You can claim this offer through a gift voucher that will be sent to you within 45 days once you have paid the joining fee on the credit card.

– With the complimentary FitPass Pro Membership, you can avail the following services –

(i) Unlimited access to interactive as well as recorded online fitness sessions.
(ii) Access to more than 4,000 gyms and fitness studios.
(iii) Personal nutritionist and exclusive Artificial intelligence-led Fitness Coaching sessions.

– The cardholders will get complimentary Netmeds First Membership. With this, you can take advantage of the following benefits –

(i) Get unlimited doctor consultations online.
(ii) Get basic health check-ups every year.
(iii) Get complimentary 2.5% NMS Super Cash (up to Rs. 1000 on every prepaid order.
(iv) Get an additional 5% discount on pathology lab tests.
(v) Get unlimited free deliveries.

• The cardholders will get 5x Reward Points for every Rs. 100 while they spend on specific categories such as pharmacy, chemist, dining, and movies.
• You will get 2 Reward Points for every Rs. 100 spent on all other categories excluding cash withdrawals, fuel purchases, balance transfers, wallet reloading etc.
• With SBI Card PULSE, the cardholders will get complimentary Priority Pass Membership for the first 2 years.
• You will get 8 complimentary domestic lounge access in a year, limited to 2 visits per quarter.
• The cardholders will get the following insurance benefits-

• If the cardholder is able to achieve spends of Rs. 4 Lakhs or more in an anniversary year, he will get a Netmeds e-gift voucher worth Rs. 1,500 as a milestone benefit.
• You are entitled to a 1% fuel surcharge waiver on all fuel transactions between Rs. 500 and Rs. 4,000. The cardholders can get a maximum benefit of Rs. 250 per statement cycle.
• The SBI Card PULSE comes with a joining and renewal fee of Rs. 1,499 which can be waived if the cardholder spends an amount of Rs. 2 Lakhs or more using his credit card in an anniversary year.
• The reward points that the cardholders earn with the SBI Card PULSE can be redeemed against various products and vouchers available on the SBI Reward Redemption portal.
• Furthermore, the earned reward points can also be redeemed against your card’s statement balance.
• For the purpose of redemption, 4 Reward Points = Re. 1.

Quick Comparison

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

Bottom Line

Both the credit cards by the State Bank of India are quite decent credit cards in their own categories. While on one hand, the SBI SimplyCLICK Credit Card is an entry-level credit card that provides the cardholders with some amazing benefits that are quite suitable for the new entrants in the field of credit cards who are just concerned with earning reward points on the spends that they make using the credit card. The cardholders will get a high reward rate of 2.5% while they spend on online transactions at Amazon, Cleartrip, BookMyShow, Lenskart, Apollo 24×7, and Netmeds. They will earn reward points at a lower percentage when they spend on other categories. The cardholders can get exciting benefits in the form of milestone benefits once they achieve a particular amount of spend in an anniversary year. Since this is a basic credit card, this comes with a joining and renewal fee of Rs. 499 which is quite justified in terms of the benefits that this card provides. On the other hand, the SBI Card PULSE is an exclusive credit card that is designed to paint target those individuals to keep their health as their utmost priority. This card offers a wide variety of advantages to the individuals who look for a credit card with health benefits such as Noise ColorFit Pulse Smart Watch as a welcome benefit, complimentary membership to FitPass Pro, and Netmeds First. You also get accelerated reward points while you spend on chemist and pharmacy stores. As a milestone benefit, you will get an e-gift voucher from Netmeds. The cardholders will also get various insurance benefits and complimentary access to domestic airport lounges along with complimentary Priority Pass membership. This credit card comes with a joining and renewal fee of Rs. 1,499 which although being on the higher side is justified with respect to the rewards and benefits that this card provides. The SBI Card PULSE will be suitable for those who are quite inclined towards their health and people who just want to earn reward points should opt for SBI SimplyCLICK Credit Card. The applicant should first analyze his needs and spending pattern and then apply for a credit card.
If you still have any doubt about these credit cards, please feel free to ask us in the comment section below!

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