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SBI SimplyCLICK vs SBI PULSE
Which credit card is better for you? Fees, rewards & charges side by side.
| 
| |
|---|---|---|
| Apply Now → | Apply Now → | |
| Annual fee | ₹499 | ₹1,499 |
| Joining fee | ₹499 | ₹1,499 |
| Our rating | ★ 4.0 | ★ 3.9 |
| Rewards | 0.25% – 2.5% value back | 0.5% – 2.5% value back |
| Best for | First-time card users who shop online | People who spend on medicines, dining out and movies and want fitness perks |
| Top benefits | 🔟 10X points 🎁 ₹500 Amazon 🎟️ ₹4,000 vouchers | ⌚ Noise smartwatch 💊 5X points 🏋️ FITPASS PRO + Netmeds First |
| Lounge access | None | Domestic lounge visits (limited per year) |
| Fee waiver | Renewal fee waived on ₹1 lakh yearly spend | Renewal fee waived on ₹2 lakh yearly spend |
| Min. income | ₹20,000/month | Not published by SBI |
| Credit score | 750+ | 750+ |
| Forex markup | 3.5% | 3.5% |
| Interest | 3.5%/month (42% p.a.) | Up to 3.75%/month |
| Cash withdrawal | 2.5% (min ₹500) | 2.5% (min ₹500) |
| Late fee | ₹0 – ₹1,300 by bill amount | ₹0 – ₹1,300 by bill amount |
| Apply Now → | Apply Now → |
Quick verdict
The SBI SimplyCLICK Credit Card is ₹499 a year and gives 0.25% – 2.5% value back. The SBI PULSE Credit Card is ₹1,499 a year and gives 0.5% – 2.5% value back. The SBI SimplyCLICK is cheaper to keep. Our rating: SBI SimplyCLICK ★ 4.0, SBI PULSE ★ 3.9.
Choose…
- SBI SimplyCLICK if you are: first-time card users who shop online. 10X points Amazon, Myntra, BookMyShow… · ₹500 Amazon voucher on fee payment · ₹4,000 vouchers on ₹1L & ₹2L online spend.
- SBI PULSE if you are: people who spend on medicines, dining out and movies and want fitness perks. Noise smartwatch welcome gift on paying the fee · 5X points chemist, pharmacy, dining, movies · FITPASS PRO + Netmeds First 1-year memberships.
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