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Side-by-Side Comparison|Updated March 2026

Axis Bank Platinum 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

Axis Bank Platinum Credit Card

6/10
Annual Fee₹500
Base Rewards0.6000000000000001%
NetworkVisa
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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

FeatureAxis Bank Platinum Credit CardSBI Card PULSE
Annual Fee₹500₹1,499
Joining Fee₹500₹1,499
Fee Waiver Spend₹1,00,000₹2,00,000
Base Reward Rate0.6000000000000001%0.5%
Reward CurrencyEDGE REWARD PointsSBI Reward Points
NetworkVisaVisa
Editor Rating6/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Platinum Credit Card

  • 0% on International Spends
  • 0% on Birthday Month

SBI Card PULSE

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

Pros & Cons

Axis Bank Platinum Credit Card

Pros

  • 25% cashback on movie tickets up to ₹1,000 per calendar year.
  • Earn 6 EDGE REWARD points for every ₹200 spent domestically.
  • 2X reward points on all transactions during your birthday month.
  • 15% discount at over 1,500 partner restaurants via Dining Delights.

Cons

  • No complimentary airport lounge access.
  • Low reward redemption value of approximately 0.6% effective return.
  • High interest rate (APR) compared to mid-tier cards.

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

SBI Card PULSE edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Platinum Credit Card if

Low entry barrier and simple reward structure for basic spending.

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: Axis Bank Platinum Credit Card or SBI Card PULSE?
SBI Card PULSE edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Platinum Credit Card and SBI Card PULSE?
Axis Bank Platinum Credit Card has an annual fee of ₹500, while SBI Card PULSE has an annual fee of ₹1,499. Axis Bank Platinum Credit Card offers a fee waiver on ₹1,00,000 annual spend. SBI Card PULSE offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Platinum Credit Card or SBI Card PULSE?
Axis Bank Platinum Credit Card offers a base reward rate of 0.6000000000000001% with accelerated rewards on International Spends and Birthday Month. 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 Axis Bank Platinum Credit Card and SBI Card PULSE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Platinum Credit Card and SBI Card PULSE can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Platinum Credit Card or SBI Card PULSE?
For beginners, Axis Bank Platinum Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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