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SBI Card PULSE VS SBI SimplyCLICK Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 17 July 2026

Both SBI SimplyCLICK Credit Card and SBI Card PULSE suit shopping-focused spenders, but they earn and cost differently. SBI SimplyCLICK Credit Card costs ₹499 + GST and earns 10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline. SBI Card PULSE costs ₹1,499 + GST and earns 10 Reward Points per ₹100 on Movies, Dining, Pharmacy, Chemist, Sports (2.5% value); 2 RP per ₹100 on others (0.5% value). SBI SimplyCLICK Credit Card also brings amazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee, while SBI Card PULSE counters with 8 complimentary domestic airport lounge visits every year, capped at 2 per quarter. If shopping spending matters more, go with SBI SimplyCLICK Credit Card; if travel is the priority, SBI Card PULSE fits better.

SBI Card PULSE
SBI Card PULSE
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card

Fees & Charges

Joining Fee₹1,499 + GST
Joining Fee₹499 + GST
Renewal Fee₹1,499 + GST
Renewal Fee₹499 + GST
Spend Based WaiverRenewal fee waived on spending ₹2 lakhs or more in the previous card anniversary year.
Spend Based WaiverAnnual renewal fee is waived if annual spends for the previous year are ₹1,00,000 or more.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the total transaction amount.
Interest Rate (APR)3.75% Per Month (45% Per Annum).
Interest Rate (APR)3.75% Per Month (45% Yearly).

Rewards & Benefits

Welcome BonusNoise ColorFit Pulse 4 Pro Smart Watch worth ₹7,999, plus 1-year Fitpass Pro & Netmeds First memberships.
Welcome BonusAmazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee.
Rewards RateEarn 10 Reward Points per ₹100 on Movies, Dining, Pharmacy, Chemist, Sports (2.5% value); 2 RP per ₹100 on others (0.5% value).
Rewards Rate10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹100 on each redemption request.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access8 complimentary domestic airport lounge visits every year, capped at 2 per quarter.
Domestic Lounge Access
International Lounge AccessComplimentary Priority Pass membership for the first two years (usage fees apply).
International Lounge Access
Travel Benefits8 complimentary domestic lounge visits annually & complimentary Priority Pass membership for 2 years.
Travel BenefitsMilestone e-vouchers from ClearTrip/Yatra worth ₹2,000 each on annual online spending.
Movie BenefitsEarn 10 Reward Points per ₹100 spent on Movies, translating to a 2.5% reward rate.
Movie Benefits10X Reward Points on BookMyShow.
Dining BenefitsEarn 10 Reward Points per ₹100 spent on Dining, translating to a 2.5% reward rate.
Dining Benefits10X Reward Points on Dominos and Swiggy.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions between ₹500-₹4,000, max ₹250 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waived on transactions between ₹500-₹3,000; max waiver ₹100/cycle.

Security & Other

Insurance BenefitsZero Liability Cover (₹1 lakh), Lost Baggage (₹72,000), Delayed Baggage (₹7,500), Loss of Travel Documents (₹12,500).
Insurance Benefits
Cash Advance Charges2.5% of cash amount, subject to a minimum of ₹500.
Cash Advance Charges2.5% of withdrawal amount or minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

SBI Card PULSE

SBI SimplyCLICK Credit Card

Who is it for?

The SBI Card PULSE is a mid-range credit card designed for health and wellness enthusiasts, offering significant travel and lifestyle benefits. It provides a valuable welcome gift of a Noise Smart Watch, complimentary Fitpass Pro and Netmeds First memberships, and accelerated rewards on health, movies, and dining. Cardholders also enjoy domestic lounge access, Priority Pass membership, and comprehensive insurance, making it ideal for those seeking a blend of health, travel, and reward benefits.

Who is it for?

The SBI SimplyCLICK Credit Card is an entry-level offering from SBI Card, ideal for individuals seeking a straightforward shopping credit card with minimal charges and a decent reward rate, especially for online purchases. It offers 10X Reward Points on partner brands, an Amazon gift card as a welcome benefit, and the opportunity to earn gift vouchers worth up to ₹4,000 annually through milestone spends, making it perfect for frequent online shoppers.

Pros

Key benefits and features.

Valuable welcome benefits include a Noise smartwatch and health memberships.

Enjoy complimentary annual Fitpass Pro & Netmeds First memberships, renewable yearly.

Earn accelerated 2.5% reward points on movies, dining, pharmacy, chemist, and sports.

Benefit from 8 complimentary domestic lounge visits and Priority Pass membership.

Comprehensive insurance covers travel incidents, lost baggage, and fraud liability.

Pros

Key benefits and features.

Offers an excellent reward rate on several online shopping brands, making it ideal for frequent online shoppers.

Comes with an affordable annual fee of ₹499, making it accessible for entry-level users.

The annual fee can be easily waived by spending ₹1 lakh in the previous year.

Includes a welcome voucher worth ₹500 from Amazon, adding immediate value to the card.

Provides milestone vouchers worth up to ₹4,000 annually on achieving spend targets.

Cons

Key drawbacks and limitations.

International lounge access via Priority Pass incurs usage fees despite complimentary membership.

Accelerated reward points on preferred categories are capped at 7,500 points monthly.

No reward points are earned on common transactions like fuel purchases and wallet reloads.

A redemption fee of ₹100 is charged for every reward point redemption request.

Cons

Key drawbacks and limitations.

Does not offer complimentary domestic or international lounge access, limiting travel perks.

Lacks comprehensive insurance benefits, which might be a concern for some cardholders.

Reward redemption options, while available, might feel limited compared to premium credit cards.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for SBI Card PULSE(opens in new tab)Apply for SBI SimplyCLICK Credit Card(opens in new tab)