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Side-by-Side Comparison|Updated March 2026

Miles & More Axis Bank World Credit Card vs SBI Card PULSE

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Miles & More Axis Bank World Credit Card

7.2/10
Annual Fee₹3,500
Base Rewards0.9000000000000001%
NetworkMastercard
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SBI Card

SBI Card PULSE

7.2/10
Annual Fee₹1,499
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureMiles & More Axis Bank World Credit CardSBI Card PULSE
Annual Fee₹3,500₹1,499
Joining Fee₹3,500₹1,499
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate0.9000000000000001%0.5%
Reward CurrencyAward MilesSBI Reward Points
NetworkMastercardVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Miles & More Axis Bank World Credit Card

  • 4.5% on ENTERTAINMENT

SBI Card PULSE

  • 0.62% on Pharmacy & Chemists
  • 0.62% on Dining
  • 0.62% on Movies

Pros & Cons

Miles & More Axis Bank World Credit Card

Pros

  • Generous welcome bonus of 5,000 Award Miles upon first transaction
  • Annual renewal bonus of 3,000 Award Miles ensures recurring value
  • Miles do not expire as long as you hold the card and make at least one miles-earning purchase per month
  • High reward rate on movie spends (20 miles per ₹200 spent)

Cons

  • High annual fee of ₹3,500 with no specified spend-based waiver
  • Domestic lounge access is subject to a spend of ₹50,000 in the previous 3 months
  • Miles are primarily valuable for Star Alliance partners, limiting flexibility compared to generic points

SBI Card PULSE

Pros

  • Complimentary Noise ColorFit Pulse Smartwatch worth up to ₹7,999 as a welcome gift.
  • Annual FITPASS PRO and Netmeds First memberships worth over ₹4,000.
  • High 2.5% reward rate (10 RP per ₹100) on pharmacies, chemists, dining, and movies.
  • 8 complimentary domestic lounge visits per year (2 per quarter).

Cons

  • Low base reward rate of 0.5% on non-accelerated categories.
  • Priority Pass membership does not include any complimentary international visits.
  • Milestone voucher of ₹1,500 requires a high annual spend of ₹4 Lakhs.

Our Verdict

Both Miles & More Axis Bank World Credit Card and SBI Card PULSE are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Miles & More Axis Bank World Credit Card if

Travelers who frequently fly with Lufthansa, Swiss Air, or other Star Alliance partners.

Choose SBI Card PULSE if

Offers dedicated memberships for gyms (FITPASS) and online medicine (Netmeds) along with high rewards on pharmacy spends.

Frequently Asked Questions

Which is better: Miles & More Axis Bank World Credit Card or SBI Card PULSE?
Both Miles & More Axis Bank World Credit Card and SBI Card PULSE are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Miles & More Axis Bank World Credit Card and SBI Card PULSE?
Miles & More Axis Bank World Credit Card has an annual fee of ₹3,500, while SBI Card PULSE has an annual fee of ₹1,499. SBI Card PULSE offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Miles & More Axis Bank World Credit Card or SBI Card PULSE?
Miles & More Axis Bank World Credit Card offers a base reward rate of 0.9000000000000001% with accelerated rewards on ENTERTAINMENT. SBI Card PULSE offers 0.5% base rewards with bonuses on Pharmacy & Chemists and Dining. The better choice depends on your primary spending categories.
Can I have both Miles & More Axis Bank World Credit Card and SBI Card PULSE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Miles & More Axis Bank World Credit Card and SBI Card PULSE can complement each other if they cover different reward categories.
Which card is better for beginners: Miles & More Axis Bank World Credit Card or SBI Card PULSE?
For beginners, SBI Card PULSE may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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