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| Feature | SBI Card SBI Card PULSE | SBI Card SBI Card PRIME |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | SBI Card |
| Network | Visa | Visa |
| Annual fee | ₹1,499 + GST per year | ₹2,999 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹3,00,000 annual spending |
| Base reward rate | 0.5% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 0.5% · Health, dining, movie and sports incremental points | 2.5% · Birthday-window bonus |
| Entertainment & movies | 0.5% · Health, dining, movie and sports incremental points | 2.5% · Birthday-window bonus |
| Groceries & essentials | 0.5% · Other eligible retail points | 2.5% · Birthday-window bonus |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Incremental health, dining, movie and sports points: ₹1,875/month | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 24 Sept 2026 | 13 Sept 2026 |
| Best suited to | Health- and fitness-focused users with recurring pharmacy, dining and movie spend. | Higher-spend households that regularly use movies, dining and groceries and can reach ₹5 lakh of eligible annual spend. |
| Main trade-off | 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. | Four points equal ₹1 and redemption requests can attract a fee. Accelerated lifestyle points are capped monthly; government, gaming, fuel, rent and several financial transactions earn no points. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
