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| Feature | SBI Card SBI Card PULSE | SBI Card Reliance SBI Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | SBI Card |
| Network | Visa | RuPay |
| Annual fee | ₹1,499 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹1,00,000 annual spending |
| Base reward rate | 0.5% | 0.3% |
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 | Eligible for merchant UPI payments |
| Airport lounge access | 4 domestic airport lounge visits per year | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | Health- and fitness-focused users with recurring pharmacy, dining and movie spend. | Regular AJIO, JioMart and Reliance Retail shoppers seeking an entry-level RuPay card. |
| 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. | Reliance rates require the exact participating merchant and payment rail. UPI at participating Reliance stores earns only the 0.25% base value, and milestone vouchers require Reliance Retail spend that the broad category model cannot safely infer. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
