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Side-by-Side Comparison|Updated March 2026

SBI Card PULSE vs Axis Bank Vistara Infinite Credit Card

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

SBI Card

SBI Card PULSE

7.2/10
Annual Fee₹1,499
Base Rewards0.5%
NetworkVisa
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Axis Bank

Axis Bank Vistara Infinite Credit Card

9/10
Annual Fee₹10,000
Base Rewards3%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Card PULSEAxis Bank Vistara Infinite Credit Card
Annual Fee₹1,499₹10,000
Joining Fee₹1,499₹10,000
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate0.5%3%
Reward CurrencySBI Reward PointsMaharaja Club Points
NetworkVisaVisa
Editor Rating7.2/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card PULSE

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

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

Pros & Cons

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.

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.

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 SBI Card PULSE if

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

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.

Frequently Asked Questions

Which is better: SBI Card PULSE or Axis Bank Vistara Infinite Credit Card?
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 SBI Card PULSE and Axis Bank Vistara Infinite Credit Card?
SBI Card PULSE has an annual fee of ₹1,499, while Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000. SBI Card PULSE offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: SBI Card PULSE or Axis Bank Vistara Infinite Credit Card?
SBI Card PULSE offers a base reward rate of 0.5% with accelerated rewards on Pharmacy & Chemists and Dining. Axis Bank Vistara Infinite Credit Card offers 3% base rewards with bonuses on Vistara/Air India Bookings. The better choice depends on your primary spending categories.
Can I have both SBI Card PULSE and Axis Bank Vistara Infinite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card PULSE and Axis Bank Vistara Infinite Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card PULSE or Axis Bank Vistara Infinite Credit Card?
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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