Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Vistara Infinite 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 Vistara Infinite Credit Card

9/10
Annual Fee₹10,000
Base Rewards3%
NetworkVisa
View Full Details

SBI Card

SBI Card PULSE

7.2/10
Annual Fee₹1,499
Base Rewards0.5%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Vistara Infinite Credit CardSBI Card PULSE
Annual Fee₹10,000₹1,499
Joining Fee₹10,000₹1,499
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate3%0.5%
Reward CurrencyMaharaja Club PointsSBI Reward Points
NetworkVisaVisa
Editor Rating9/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

SBI Card PULSE

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

Pros & Cons

Axis Bank Vistara Infinite Credit Card

Pros

  • Complimentary Business Class ticket voucher on joining and every renewal.
  • Complimentary Maharaja Club Gold membership for the first year with priority perks.
  • Highly rewarding milestone program offering up to 4 additional Business Class tickets.
  • 6 Maharaja Club points for every ₹200 spent on all eligible categories.

Cons

  • High annual fee of ₹10,000 with no spend-based waiver option.
  • Domestic lounge access requires a minimum spend of ₹50,000 in the previous 3 months.
  • Extensive list of excluded categories for rewards including fuel, utilities, and insurance.

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

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

Choose Axis Bank Vistara Infinite Credit Card if

The card provides immediate value through Business Class vouchers and Gold tier status on Air India/Vistara.

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 Vistara Infinite Credit Card or SBI Card PULSE?
Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PULSE could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Vistara Infinite Credit Card and SBI Card PULSE?
Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000, 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: Axis Bank Vistara Infinite Credit Card or SBI Card PULSE?
Axis Bank Vistara Infinite Credit Card offers a base reward rate of 3% with accelerated rewards on Vistara/Air India Bookings. 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 Vistara Infinite Credit Card and SBI Card PULSE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Vistara Infinite Credit Card and SBI Card PULSE can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Vistara Infinite 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.

Related Comparisons

Axis Bank Vistara Infinite Credit Card vs club-vistara-sbi-card-primeSBI Card PULSE vs club-vistara-sbi-card-primeAxis Bank Vistara Infinite Credit Card vs Axis Bank My Zone Credit CardSBI Card PULSE vs Axis Bank My Zone Credit Card

Explore More

Axis Bank Vistara Infinite Credit Card Full ReviewSBI Card PULSE Full ReviewAll Axis Bank CardsAll SBI Card CardsBrowse All Credit CardsCredit Card Guides & Tips