SBI Card PULSE Vs SBI Prime Credit CardSBI Card PULSE Vs SBI Prime Credit Card

SBI Card PULSE Vs SBI Prime Credit Card

In the preceding year, SBI Card introduced an exclusive credit card known as the SBI Card PULSE, tailored specifically for fitness enthusiasts and individuals embracing an active lifestyle. This card not only aids in managing financial resources but also promotes health. Holders of this credit card receive a complimentary Fitpass Pro and Netmeds First membership, in addition to perks like complimentary access to domestic lounges, Priority Pass Membership, and more. The card entails a joining fee and renewal fee of Rs. 1,499, potentially exempted based on the previous year’s spending.

In contrast, the SBI Prime Credit Card, a more subdued version of the SBI Elite Credit Card, offers substantial reward points for lifestyle expenditures, making it comparable to the Pulse Card. Available in three variants – Visa, MasterCard, and American Express – this card provides heightened reward points for spending on dining, groceries, and departmental stores. The SBI Prime Credit Card also presents additional benefits like complimentary access to domestic and international lounges, discounts on hotel bookings, movie tickets, and more. Its joining fee and renewal fee amount to Rs. 2,999, with a possibility of waiver based on spending in the previous year.

Features and Benefits of SBI Card PULSE Vs SBI Prime Credit Card

SBI Card PULSE:

1. Exclusive Benefits:

  • Fitpass Pro and Netmeds First membership for fitness enthusiasts.
  • Earn reward points on regular spends and accelerated points in specific categories.
  • Complimentary access to domestic lounge and Priority Pass Membership.
  • Additional perks include travel insurance, air accident insurance, and fuel surcharge waivers.
  • Joining and annual fee: Rs. 1,499.

2. Welcome Benefits:

  • On successful joining fee payment and one retail transaction:
  • Complimentary Noise ColorFit Pulse Smart Watch (Rs. 4,999 value).
  • Enjoy complimentary access to FitPass Pro and receive the exclusive benefits of Netmeds First Membership at no cost.

3. Reward Points:

  • 5x points on movies, dining, pharmacy, and chemist.
  • 2x points on all other categories (excluding fuel transactions, wallet reloads, etc).
  • 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000.
  • Priority Pass Membership for the first 2 years.

4. Milestone Benefits:

  • Spend Rs. 4 Lakhs or more in an anniversary year to get a Netmeds e-voucher worth Rs. 1,500.
  • Redeem earned reward points for various products or cash (1 RP = Re. 0.25).

SBI Prime Credit Card:

1. Features:

  • Downgraded version of SBI Elite Credit Card with similar benefits.
  • Joining fee: Rs. 2,999 (plus applicable taxes).

2. Welcome Gift:

  • Gift voucher worth Rs. 3,000 for brands like Bata, Pantaloons, etc.

3. Reward Points:

  • 5x points on movie, grocery, dining, and departmental store bills.
  • 2x points on all other categories.
  • 10x points on birthday spends (capped at 2,000 per calendar year).

4. Additional Benefits:

  • Up to 25% off on dining bills, Tablet Plus Membership, and Club Vistara membership.
  • Discounts on hotel bookings, car rentals, and exclusive benefits at luxury hotels.
  • Complimentary lounge access (8 domestic and 4 international visits).

5. Variant-specific Benefits:

  • American Express Variant: VIP upgrades at hotels worldwide.
  • Visa Variant: Discounts on room rent, car rentals, and exclusive benefits at luxury hotels.

6. Milestone Benefits:

  • Pizza Hut e-voucher on spending Rs. 50,000 in a quarter.
  • E-voucher from Yatra or Pantaloons on achieving annual spends of Rs. 5 Lakhs.

7. Fuel Surcharge Waiver:

  • 1% waiver on transactions between Rs. 500 and Rs. 4,000 (capped at Rs. 250 per month).

8. Redemption:

  • Redeem rewards for gift vouchers on www.sbicard.com or pay SBI Credit Card Bill (1 Reward Point = Rs. 0.25).

Contrasting SBI Card PULSE Against SBI Prime Credit Card

SBI Card PULSE:

1. Reward Rate:

  • Earn 5 times the Reward Points (RP) for each Rs. 100 spent on purchases at chemists and pharmacies, dining experiences, as well as movie outings.
  • You’ll earn 2 reward points for every Rs. 100 you spend on all purchases excluding fuel.
  • 10x RP for every Rs. 100 spent on the birthday.

2. Reward Redemption:

  • Can be redeemed against products on sbicard.com.
  • Can be redeemed for cash, 1 RP = Rs. 0.25.

3. Fuel Surcharge Waiver: 1% at all fuel stations.

4. Welcome Benefits: Complimentary Noise ColorFit Pulse Smart Watch worth Rs. 4,999.

5. Dining Benefits: Not Applicable.

6. Milestone Benefits: Get a Netmeds voucher valued at Rs. 1,500 when you make purchases totaling Rs. 4 Lakhs or higher within a single anniversary year.

7. Lounge Access: 8 complimentary domestic lounge access (Limited to 2 per quarter).

8. Fees:

  • Joining Fee: Rs. 1,499 + Taxes.
  • Renewal Fees: Rs. 1,499 + Taxes.

9. Eligibility:

  • Issued to salaried individuals between 18 and 65 years.
  • The applicant must possess a consistent and reliable stream of earnings.

SBI Prime Credit Card:

1. Reward Rate:

  • 5x RP for every Rs. 100 spent on dining, movies, groceries, and departmental stores.
  • 2 RP for every Rs. 100 spent on all retail spends.
  • 10x RP for every Rs. 100 spent on the birthday.

2. Reward Redemption:

  • Can be redeemed against products on sbicard.com.
  • Can be redeemed for cash, 1 RP = Rs. 0.25.

3. Fuel Surcharge Waiver:

  • 1% at all fuel stations.
  • 1% at all IOCL fuel stations.

4. Welcome Benefits:

  • Complimentary FitPass Pro membership.
  • Complimentary Netmeds First Membership.
  • Gift voucher worth Rs. 3,000 from Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Yatra.

5. Dining Benefits:

  • 25% off on dining bills across partnered restaurants with the American Express Variant only.

6. Milestone Benefits:

  • Pizza Hut voucher worth Rs. 1,000 on spending Rs. 50,000 in a quarter.
  • Voucher worth Rs. 7,000 from Yatra or Pantaloons on spending Rs. 5,00,000 in anniversary year.

7. Lounge Access:

  • 2 complimentary domestic lounge access per quarter.
  • You receive four free passes to access international lounges, with the perk of two passes available every three months, through your Priority Pass Membership.

8. Fees:

  • Joining Fee: Rs. 2,999 + Taxes.
  • Renewal Fees: Rs. 2,999 + Taxes.

9. Eligibility:

  • Issued to salaried individuals between 18 and 65 years with a monthly income of Rs. 32,000.
  • Issued to self-employed individuals between 21 and 65 years with a monthly income of Rs. 32,000 as per ITR.

Which credit card suits you best?

  1. SBI Bank offers two noteworthy credit cards: SBI Card PULSE and SBI Prime Credit Cards.
  2. Both cards are valuable for earning generous reward points across various spending categories.
  3. The PULSE Card, also known as the fitness card, provides accelerated reward points for expenditures at pharmacies and chemists.
  4. The Prime Card offers multiplied reward points for dining, movies, groceries, and departmental stores.
  5. Celebrate your birthday by earning substantial reward points when using the Prime Card for transactions.
  6. Both cards grant complimentary lounge access at domestic airports.
  7. Exclusive to the SBI Prime Credit Card, enjoy access to international lounges and additional travel benefits.
  8. The SBI Prime Credit Card comes with complimentary Club Vistara Membership and Trident Privilege Red Tier Membership.

Frequently Asked Questions (FAQs)

1. What is the primary difference between SBI Card PULSE and SBI Prime Credit Card?

SBI Card PULSE is a fitness-oriented card, offering accelerated reward points at pharmacies and chemists. On the other hand, SBI Prime Credit Card provides multiplied reward points for various categories like dining, movies, groceries, and departmental stores.

2. Can you elaborate on the unique features of the SBI Card PULSE?

SBI Card PULSE is known as the fitness card and is designed to provide extra reward points for expenditures at pharmacies and chemists, making it ideal for health-conscious individuals.

3. What are the key benefits of the SBI Prime Credit Card for birthdays?

The SBI Prime Credit Card allows users to earn high reward points when making transactions on their birthdays, enhancing the celebration with additional perks.

4. Do both cards offer complimentary lounge access?

Yes, both SBI Card PULSE and SBI Prime Credit Card provide complimentary lounge access at domestic airports.

5. Are there any international travel benefits associated with these cards?

Exclusive to the SBI Prime Credit Card, users can enjoy access to international lounges and additional travel benefits, including complimentary Club Vistara Membership and Trident Privilege Red Tier Membership.

6. Which card is suitable for individuals focused on fitness-related expenses?

SBI Card PULSE is specifically designed for those interested in fitness, offering accelerated reward points for spending at pharmacies and chemists.

7. Can I use the SBI Prime Credit Card for various lifestyle expenditures?

Yes, the SBI Prime Credit Card is tailored for lifestyle-related expenses, providing multiplied reward points for dining, movies, groceries, and departmental stores.

8. Is there an annual fee associated with these cards?

Details regarding annual fees may vary, and it’s recommended to check the latest terms and conditions from SBI Bank for accurate information on any associated fees.

9. How can I apply for either the SBI Card PULSE or SBI Prime Credit Card?

To obtain these credit cards, you have two options: either apply online via the SBI Bank’s official website or visit a nearby SBI branch in person. The application procedure requires you to provide essential documents and fulfill specific eligibility requirements.

10. Are there any special promotions or offers associated with these cards?

SBI Bank may introduce special promotions or offers from time to time. It’s advisable to regularly check the official SBI Bank website or contact customer service for the latest information on promotions and offers related to these credit cards.

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