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Side-by-Side Comparison|Updated March 2026

SBI Card PULSE vs ICICI Bank Manchester United Signature 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 Manchester United Signature Credit Card

6.5/10
Annual Fee₹2,499
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSBI Card PULSEICICI Bank Manchester United Signature Credit Card
Annual Fee₹1,499₹2,499
Joining Fee₹1,499₹2,499
Fee Waiver Spend₹2,00,000₹2,50,000
Base Reward Rate0.5%0.25%
Reward CurrencySBI Reward PointsICICI Reward Points
NetworkVisaVisa
Editor Rating7.2/106.5/10
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 Manchester United Signature Credit Card

  • 0% on Manchester United Match Days

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 Manchester United Signature Credit Card

Pros

  • Exclusive Manchester United branded welcome gift (Holdall and Football).
  • Accelerated 5 reward points per ₹100 spent on Manchester United match days.
  • Opportunity for top spenders to win a fully paid 'Manchester United Experience' at Old Trafford.
  • 25% discount on movie tickets twice a month on BookMyShow and INOX.

Cons

  • Lounge access requires a high spend of ₹75,000 in the previous calendar quarter.
  • High annual fee of ₹2,499 for a co-branded card with limited non-football benefits.
  • Reward points on rent, fuel, and utilities are heavily restricted or excluded.

Our Verdict

SBI Card PULSE edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature Credit Card 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 ICICI Bank Manchester United Signature Credit Card if

Exclusive access to club merchandise, discounts at the Red Cafe, and chances to visit Old Trafford.

Frequently Asked Questions

Which is better: SBI Card PULSE or ICICI Bank Manchester United Signature Credit Card?
SBI Card PULSE edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature Credit Card 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 ICICI Bank Manchester United Signature Credit Card?
SBI Card PULSE has an annual fee of ₹1,499, while ICICI Bank Manchester United Signature Credit Card has an annual fee of ₹2,499. SBI Card PULSE offers a fee waiver on ₹2,00,000 annual spend. ICICI Bank Manchester United Signature Credit Card offers a fee waiver on ₹2,50,000 annual spend.
Which card has better rewards: SBI Card PULSE or ICICI Bank Manchester United Signature Credit Card?
SBI Card PULSE offers a base reward rate of 0.5% with accelerated rewards on Pharmacy & Chemists and Dining. ICICI Bank Manchester United Signature Credit Card offers 0.25% base rewards with bonuses on Manchester United Match Days. The better choice depends on your primary spending categories.
Can I have both SBI Card PULSE and ICICI Bank Manchester United Signature Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card PULSE and ICICI Bank Manchester United Signature Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card PULSE or ICICI Bank Manchester United Signature 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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