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Side-by-Side Comparison|Updated March 2026

Fabindia SBI Card SELECT vs SBI Card PULSE

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

SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
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

FeatureFabindia SBI Card SELECTSBI Card PULSE
Annual Fee₹1,499₹1,499
Joining Fee₹1,499₹1,499
Fee Waiver Spend₹2,00,000₹2,00,000
Base Reward Rate0.25%0.5%
Reward CurrencyReward PointSBI Reward Points
NetworkVisaVisa
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Fabindia SBI Card SELECT

No accelerated rewards listed

SBI Card PULSE

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

Pros & Cons

Fabindia SBI Card SELECT

Pros

  • High 10% value back on all Fabindia in-store and online spends.
  • Welcome gift voucher of ₹1,500 effectively offsets the joining fee.
  • Direct access to Platinum Tier Fabfamily membership for exclusive privileges.
  • Complimentary domestic lounge access and Priority Pass membership included.

Cons

  • Reward points are primarily valuable only when redeemed for Fabindia shopping.
  • Base reward rate for general spends is relatively low at 1%.
  • International lounge visits via Priority Pass are not complimentary (membership only).

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 Fabindia SBI Card SELECT 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 Fabindia SBI Card SELECT if

The 10% reward rate and Platinum tier membership offer unmatched value for frequent Fabindia shoppers.

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: Fabindia SBI Card SELECT or SBI Card PULSE?
Both Fabindia SBI Card SELECT 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 Fabindia SBI Card SELECT and SBI Card PULSE?
Fabindia SBI Card SELECT has an annual fee of ₹1,499, while SBI Card PULSE has an annual fee of ₹1,499. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend. SBI Card PULSE offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Fabindia SBI Card SELECT or SBI Card PULSE?
Fabindia SBI Card SELECT offers a base reward rate of 0.25%. 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 Fabindia SBI Card SELECT and SBI Card PULSE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fabindia SBI Card SELECT and SBI Card PULSE can complement each other if they cover different reward categories.
Which card is better for beginners: Fabindia SBI Card SELECT or SBI Card PULSE?
For beginners, Fabindia SBI Card SELECT 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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