Check below for a comparison between SBI Prime credit card vs SBI card Pulse or SBI card Pulse vs SBI Prime credit card and find which is better –

Overview of SBI Prime credit card

Positioned as a lifestyle credit card, the SBI Prime credit card comes with attractive features.

Users can enjoy benefits related to dining and rewards, along with a 1% fuel surcharge waiver on transactions falling between Rs. 500 and Rs. 3,000 at fuel stations throughout India, among other privileges.

In terms of the reward rate, this card allows you to earn 2 Reward Points for every Rs. 100 you spend, and an enhanced 10 Reward Points for every Rs. 100 spent on dining, groceries, and department store purchases.

Given that each Reward Point is valued at Rs. 0.25, the effective reward rate for the card is 2.5% for dining, groceries, and department store categories, and 0.5% for all other spending categories.

Like the ELITE Card, the SBI Card Prime is issued in three variants: MasterCard, American Express, and VISA.

Overview of SBI card Pulse

A joining fee of Rs. 1,500 accompanies the card, and as a welcoming gesture, a complimentary smartwatch worth Rs. 5,999 is offered.

Additionally, cardholders receive a complimentary Fitpass Pro & Netmeds First membership that renews annually upon payment of the yearly fee.

In terms of the rewards program, users accumulate 2 Reward Points for every Rs. 100 spent and enjoy 5x Reward Points in specific categories.

These points can be redeemed across a diverse range of categories or applied to offset the statement balance.

Beyond health-related perks, the card extends attractive travel privileges, including complimentary access to domestic airport lounges and a free Priority Pass membership for the initial two years.

Upon achieving a specified spending milestone, cardholders receive a Rs. 1,500 e-gift voucher, and reaching this milestone may also result in the renewal membership fee being waived.

The card also offers additional benefits such as air accident insurance, travel insurance, zero liability protection, and a fuel surcharge waiver.

SBI Prime credit card vs SBI card Pulse

Features/Charges	SBI Prime credit card	SBI card Pulse
Joining Fees	Rs. 2,999	Rs. 1,499 + GST
Annual Fees	Rs. 2,999	Rs. 1,499 + GST
Welcome Benefits	Obtain a welcome gift in the form of an electronic gift voucher worth Rs.3,000 when you avail of this card.	Receive 2000 Rewards points (valued at Rs.500) by spending Rs.2000 or above during the first 60 days of owning and using this card
Cashback / Rewards point	In terms of the reward rate, this card allows you to earn 2 Reward Points for every Rs. 100 you spend, and an enhanced 10 Reward Points for every 100 rupees spent on groceries, dining out, and department store goods. Given that each Reward Point is valued at Rs. 0.25, the effective reward rate for the card is 2.5% for dining, groceries, and department store categories, and 0.5% for all other spending categories. Like the ELITE Card, the SBI Card Prime is issued in three variants: MasterCard, American Express, and VISA.	Gain 10 reward points with each Rs. 100 expenditure when making purchases at Chemist shops, movie theaters, dining establishments, and pharmacies.
Dining benefits	Acquire a Rs.1,000 Pizza Hut voucher when your quarterly spending exceeds Rs.50,000, coupled with a remarkable fivefold rise in reward points for dining at partnered restaurants.	N/A
Travel benefits	Receive complimentary Club Vistara and Trident Privilege Memberships, coupled with the advantage of eight complimentary visits to domestic airport lounges each year with this card.	Access Domestic Lounges for free through your Priority Pass Membership.
Annual fees waiver	Exceeding Rs.3 lakh in annual spending qualifies you for a waiver of the credit card’s yearly fee.	If your card spending exceeds Rs. 2,00,000 annually, the annual fee will be waived.
Fuel surcharge waiver	Use this credit card and avail yourself of a 1% fuel surcharge waiver on transactions falling between Rs. 500 and Rs. 4,000 at all petrol stations across India.	Enjoy a fuel surcharge waiver of 1% on transactions between Rs. 500 and Rs. 4,000 at any fuel station in India when using this card.