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Side-by-Side Comparison|Updated March 2026

SBI Card PULSE vs ICICI Bank HPCL Super Saver 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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ICICI Bank

ICICI Bank HPCL Super Saver Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.5%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSBI Card PULSEICICI Bank HPCL Super Saver Credit Card
Annual Fee₹1,499₹500
Joining Fee₹1,499₹500
Fee Waiver Spend₹2,00,000₹1,50,000
Base Reward Rate0.5%0.5%
Reward CurrencySBI Reward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card PULSE

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

ICICI Bank HPCL Super Saver Credit Card

  • 1.25% on Fuel (HPCL) — 200 pts/month
  • 1.25% on Utilities & Groceries — 400 pts/month
  • 0.38% on HP Pay App Fuel

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.

ICICI Bank HPCL Super Saver Credit Card

Pros

  • 5% total value back on fuel at HPCL outlets (4% cashback + 1% surcharge waiver).
  • Accelerated 5% rewards on groceries, departmental stores, and utility bills.
  • Complimentary 24x7 Roadside Assistance (RSA) for vehicle breakdowns.
  • Low annual fee of ₹500 with a reachable waiver threshold of ₹1.5 lakh.

Cons

  • Monthly cashback on fuel is capped at a low ₹200.
  • Accelerated rewards on utilities and groceries capped at 400 points (₹100 value) per month.
  • High spend requirement of ₹75,000 per quarter for domestic lounge access.

Our Verdict

Both SBI Card PULSE and ICICI Bank HPCL Super Saver Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose SBI Card PULSE if

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

Choose ICICI Bank HPCL Super Saver Credit Card if

Ideal for those spending ₹4,000-₹5,000 monthly on fuel at HPCL to maximize the 5% value back.

Frequently Asked Questions

Which is better: SBI Card PULSE or ICICI Bank HPCL Super Saver Credit Card?
Both SBI Card PULSE and ICICI Bank HPCL Super Saver Credit Card 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 SBI Card PULSE and ICICI Bank HPCL Super Saver Credit Card?
SBI Card PULSE has an annual fee of ₹1,499, while ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500. SBI Card PULSE offers a fee waiver on ₹2,00,000 annual spend. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: SBI Card PULSE or ICICI Bank HPCL Super Saver Credit Card?
SBI Card PULSE offers a base reward rate of 0.5% with accelerated rewards on Pharmacy & Chemists and Dining. ICICI Bank HPCL Super Saver Credit Card offers 0.5% base rewards with bonuses on Fuel (HPCL) and Utilities & Groceries. The better choice depends on your primary spending categories.
Can I have both SBI Card PULSE and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card PULSE and ICICI Bank HPCL Super Saver Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card PULSE or ICICI Bank HPCL Super Saver Credit Card?
For beginners, ICICI Bank HPCL Super Saver 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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