SBI SimplyCLICK Credit Card vs SBI Card PULSESBI SimplyCLICK Credit Card vs SBI Card PULSE

SBI SimplyCLICK vs SBI Card PULSE

SBI, a prominent player in the credit card market, offers a range of credit cards spanning from entry-level to super-premium. The SBI SimplyCLICK Credit Card, considered a fundamental yet highly popular option, caters to first-time credit cardholders. Renowned for its excellent reward points system, this card provides a notable 2.5% reward rate for online transactions on platforms like Amazon, Cleartrip, Apollo24x7, Netmeds, BookMyShow, Dineout, and Lenskart, and decent rewards for other expenditures.

New cardholders can enjoy welcome benefits in the form of gift vouchers, with additional milestone benefits amounting to Rs. 4,000. The joining and renewal fee for this basic credit card is set at an affordable Rs. 499, lacking any added travel or lifestyle perks.

On the other hand, the SBI Card PULSE stands out as an exclusive credit card focused on enhancing cardholders’ health and wealth management. With a substantial welcome benefit upon paying the joining fee, cardholders also receive complimentary subscriptions to Netmeds First and Fitness Pro, renewable upon renewal fee payment. Furthermore, users accrue generic and accelerated reward points for specific categories and enjoy complimentary domestic airport access and a Priority Pass Membership for 2 years. Milestone benefits in the form of gift vouchers are obtainable based on annual spending. The joining and renewal fee for this exclusive card is Rs. 1,499, potentially subject to a waiver based on card usage.

These two credit cards from the State Bank of India cater to distinct needs. The SBI SimplyCLICK is a basic option ideal for newcomers to credit cards, emphasizing affordability. Conversely, the SBI Card PULSE is an exclusive card tailored for health enthusiasts, offering a range of health-related benefits and elevated privileges. Exploring the unique features and advantages of each card will provide a comprehensive understanding of their distinct offerings.

Features and Benefits of SBI SimplyCLICK Credit Card and SBI Card PULSE

SBI SimplyCLICK Credit Card:

  1. Entry-Level Credit Card by SBI Bank.
  2. Popular among newcomers to credit cards.
  3. Exclusive benefits include reward points on spending.
  4. Accelerated points for specific categories like Amazon, BookMyShow.
  5. Features fuel surcharge waiver and annual fee waiver based on previous year’s spending.
  6. Annual fee: Rs. 499, aligned with card benefits.
  7. Detailed Benefits:
  • Welcome benefit: Rs. 500 Amazon voucher on joining.
  • 1 Reward Point for every Rs. 100 (offline transactions, except fuel).
  • 5x points for every Rs. 100 (online transactions).
  • 10x points at partner merchants.
  • Milestone benefits for annual spends.
  • Annual fee waiver on spending Rs. 1 Lakh.
  • There is a 1% exemption on fuel surcharge for transactions ranging from Rs. 500 to Rs. 3,000.
  • Reward points redemption for gift vouchers or card balance.

SBI Card PULSE:

  1. Exclusive health-focused credit card by SBI.
  2. Joining benefit: Noise ColorFit Pulse Smart Watch.
  3. Complimentary Netmeds First and Fitpass Pro membership.
  4. Higher reward points for specific categories.
  5. Priority Pass membership, domestic lounge access, and insurance benefits.
  6. 5x Reward Points for specific categories; 2x for other categories.
  7. Priority Pass Membership for first 2 years.
  8. Insurance benefits for air accidents, zero liability, lost baggage, etc.
  9. Milestone benefit: Netmeds e-gift voucher on spending Rs. 4 Lakhs.
  10. 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000.
  11. Joining and renewal fee: Rs. 1,499, waived on spending Rs. 2 Lakhs annually.
  12. Reward points redemption for various products or card statement balance.
  13. Welcome Benefits:
  • Complimentary Noise ColorFit Pulse Smart Watch.
  • FitPass Pro Membership with various health-related benefits.
  • Netmeds First Membership with unlimited doctor consultations and more.

Comparison between SBI SimplyCLICK vs SBI Card PULSE

SBI SimplyCLICK Credit Card:

1. Reward Rate:

  • 1 RP for every Rs. 100 spent offline (except fuel).
  • 5x RP for every Rs. 100 spent online.
  • 10x RP for every Rs. 100 spent with partner merchants.
  • 10 Reward Points per Rs. 100 on pharmacy, chemist, dining, and movies.
  • 2 RP for every Rs. 100 spent in other categories.

2. Reward Redemption:

  • Redeem on SBI Website for products and vouchers.
  • Redeem against the card’s statement balance.
  • 1 RP = Rs. 0.25 for redemption.

3. Fuel Surcharge Waiver:

  • 1% on transactions Rs. 500-3,000.
  • Maximum Rs. 100 waiver per month.

4. Welcome Benefits:

  • Amazon gift voucher worth Rs. 500.

5. Milestone Benefits:

  • ClearTrip voucher worth Rs. 2,000 on Rs. 1 Lakh spends.
  • ClearTrip voucher worth Rs. 2,000 on Rs. 2 Lakhs spends.
  • Netmeds e-gift voucher worth Rs. 1,500 on spending Rs. 4 Lakhs or more.

6. Fees:

  • Joining Fee: Rs. 499 + Taxes.
  • Renewal Fee: Rs. 499 + Taxes (spend-based reversal on Rs. 1 Lakh or more in the previous year).

7. Eligibility:

  • For salaried or self-employed individuals.
  • Minimum salary Rs. 20,000 per month.
  • Age between 18-65 years (salaried).
  • Minimum income Rs. 20,000 per month (self-employed).
  • Age between 18-65 years.
  • Stable income source.
  • Decent credit score.

SBI Card PULSE:

1. Reward Rate:

  • 1 RP for every Rs. 100 spent offline (except fuel).
  • 5x RP for every Rs. 100 spent online.
  • 10x RP for every Rs. 100 spent with partner merchants.
  • 10 Reward Points per Rs. 100 on pharmacy, chemist, dining, and movies.
  • 2 RP for every Rs. 100 spent in other categories.

2. Reward Redemption:

  • Redeem on SBI Website for products and vouchers.
  • Redeem against the card’s statement balance.
  • 4 RP = Re. 1 for redemption.

3. Fuel Surcharge Waiver:

  • 1% on transactions Rs. 500-4,000.
  • Maximum Rs. 250 waiver per statement cycle.

4. Welcome Benefits:

  • Complimentary Noise ColorFit Pulse Smart Watch worth Rs. 4,999.
  • Complimentary FitPass Pro membership.
  • Complimentary Netmeds First membership.

5. Milestone Benefits:

  • ClearTrip voucher worth Rs. 2,000 on Rs. 1 Lakh spends.
  • ClearTrip voucher worth Rs. 2,000 on Rs. 2 Lakhs spends.
  • Netmeds e-gift voucher worth Rs. 1,500 on spending Rs. 4 Lakhs or more.

6. Lounge Visits:

  • You’ll enjoy eight free visits to domestic lounges each year, with a maximum of two visits allowed per quarter.

7. Fees:

  • Joining Fee: Rs. 1,499 + Taxes.
  • The fee for renewal is Rs. 1,499 plus applicable taxes. If you spent Rs. 2 Lakhs or more in the previous year, the fee will be reversed based on your spending.

8. Eligibility:

  • For salaried or self-employed individuals.
  • Age between 18-65 years.
  • Stable income source.
  • Decent credit score.

Which credit card suits you best?

SBI SimplyCLICK Credit Card:

  • Entry-level credit card by State Bank of India.
  • Suited for newcomers focused on earning reward points.
  • Offers a high reward rate of 2.5% for online transactions at specific vendors.
  • Lower reward percentage for spending in other categories.
  • Milestone benefits available on achieving a certain annual spend.
  • Basic card with a justified joining and renewal fee of Rs. 499.

SBI Card PULSE:

  • Exclusive health-focused credit card by State Bank of India.
  • Targets individuals prioritizing health.
  • Provides a Noise ColorFit Pulse Smart Watch as a welcome benefit.
  • Offers complimentary memberships to FitPass Pro and Netmeds First.
  • Accelerated reward points for spending at chemist and pharmacy stores.
  • Milestone benefits include an e-gift voucher from Netmeds.
  • Insurance benefits, complimentary airport lounge access, and Priority Pass membership.
  • Higher joining and renewal fee of Rs. 1,499 justified by rewards and benefits.

Choosing the Right Card:

  • SBI SimplyCLICK for those focused on earning reward points.
  • SBI Card PULSE for individuals prioritizing health.
  • Applicants advised to analyze their needs and spending patterns before applying for a credit card.

Frequently Asked Questions (FAQs)

1. Q: What is the primary difference between the SBI SimplyCLICK Credit Card and SBI Card PULSE?

A: The SBI SimplyCLICK Credit Card is an entry-level card focused on earning reward points, while the SBI Card PULSE is an exclusive health-centric credit card offering benefits related to fitness and wellness.

2. Q: What are the key benefits of the SBI SimplyCLICK Credit Card?

A: The SBI SimplyCLICK Credit Card provides a high reward rate of 2.5% on online transactions at specific vendors like Amazon, Cleartrip, BookMyShow, Lenskart, Apollo 24×7, and Netmeds. It also offers milestone benefits and has a justified joining and renewal fee.

3. Q: What health-related benefits does the SBI Card PULSE offer?

A: The SBI Card PULSE offers health-related benefits such as a Noise ColorFit Pulse Smart Watch as a welcome benefit, complimentary memberships to FitPass Pro and Netmeds First, accelerated reward points on spending at chemist and pharmacy stores, and various insurance benefits.

4. Q: How do the joining and renewal fees differ between the two cards?

A: The SBI SimplyCLICK Credit Card has a basic joining and renewal fee of Rs. 499, while the SBI Card PULSE has a higher fee of Rs. 1,499. However, the fees are justified based on the rewards and benefits each card provides.

5. Q: Which card is suitable for individuals focused on earning reward points?

A: The SBI SimplyCLICK Credit Card is more suitable for individuals primarily interested in earning reward points on their credit card transactions.

6. Q: Who should consider applying for the SBI Card PULSE?

A: The SBI Card PULSE is ideal for individuals who prioritize their health and well-being, offering exclusive benefits related to fitness, wellness, and health-related expenditures.

7. Q: Are there any specific vendors where the SBI SimplyCLICK Credit Card offers a higher reward rate?

A: Yes, the SBI SimplyCLICK Credit Card provides a higher reward rate of 2.5% for online transactions at Amazon, Cleartrip, BookMyShow, Lenskart, Apollo 24×7, and Netmeds.

8. Q: What factors should applicants consider before choosing between these two credit cards?

A: Applicants should analyze their needs, spending patterns, and priorities. If focused on health benefits, SBI Card PULSE is recommended; for those wanting to earn reward points, the SBI SimplyCLICK Credit Card is a better choice.

9. Q: Do both cards offer milestone benefits?

A: Yes, both cards offer milestone benefits based on achieving a specific amount of spend in an anniversary year.

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