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| Feature | BOBCARD BOBCARD Premier Credit Card | SBI Card SBI Card PULSE |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | BOBCARD | SBI Card |
| Network | RuPay | Visa |
| Annual fee | ₹1,000 + GST per year | ₹1,499 + GST per year |
| Annual fee waiver | At ₹1,20,000 annual spending | At ₹2,00,000 annual spending |
| Base reward rate | 0.5% | 0.5% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | Incremental health, dining, movie and sports points: ₹1,875/month |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹60,000/month salaried · ₹60,000/month self-employed | Not listed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | Moderate spenders who dine and travel domestically and can clear the annual waiver. | Health- and fitness-focused users with recurring pharmacy, dining and movie spend. |
| Main trade-off | The zero joining fee is the offer effective September 1, 2026. Accelerated points do not apply to UPI transactions, the 3.5% forex charge is higher than the 2.5% accelerated reward value, and former accident cover ended August 25, 2026. | The 2.5% rate is MCC-specific, not a blanket rate on every health, fitness or entertainment purchase. Welcome devices and memberships have no guaranteed cash-equivalent value. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
