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Side-by-Side Comparison|Updated March 2026

SBI Card - SimplyCLICK SBI 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.

SBI Card

SBI Card - SimplyCLICK SBI Card

7.5/10
Annual Fee₹499
Base Rewards0.0625%
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

FeatureSBI Card - SimplyCLICK SBI CardSBI Card PULSE
Annual Fee₹499₹1,499
Joining Fee₹499₹1,499
Fee Waiver Spend₹1,00,000₹2,00,000
Base Reward Rate0.0625%0.5%
Reward CurrencyReward PointsSBI Reward Points
NetworkVisaVisa
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - SimplyCLICK SBI Card

  • 0% on Partner Brands
  • 0% on All Other Online Spends

SBI Card PULSE

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

Pros & Cons

SBI Card - SimplyCLICK SBI Card

Pros

  • 10X reward points (2.5% value back) on online partners like Amazon, Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, and Yatra.
  • 5X reward points (1.25% value back) on all other online spends, making it highly effective for digital shoppers.
  • Milestone e-vouchers worth ₹2,000 each on reaching annual online spend targets of ₹1 Lakh and ₹2 Lakh.
  • Low annual fee of ₹499 which is waived on annual spends of ₹1 Lakh.

Cons

  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on offline transactions.
  • Reward points are not earned on rent payments, fuel, and wallet loads.

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 SBI Card - SimplyCLICK SBI Card 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 SBI Card - SimplyCLICK SBI Card if

High reward rates on major e-commerce platforms and partner brands.

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: SBI Card - SimplyCLICK SBI Card or SBI Card PULSE?
Both SBI Card - SimplyCLICK SBI Card 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 SBI Card - SimplyCLICK SBI Card and SBI Card PULSE?
SBI Card - SimplyCLICK SBI Card has an annual fee of ₹499, while SBI Card PULSE has an annual fee of ₹1,499. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend. SBI Card PULSE offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: SBI Card - SimplyCLICK SBI Card or SBI Card PULSE?
SBI Card - SimplyCLICK SBI Card offers a base reward rate of 0.0625% with accelerated rewards on Partner Brands and All Other Online Spends. 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 SBI Card - SimplyCLICK SBI Card and SBI Card PULSE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - SimplyCLICK SBI Card and SBI Card PULSE can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - SimplyCLICK SBI Card or SBI Card PULSE?
For beginners, SBI Card - SimplyCLICK SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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