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SBI Card PULSE VS Union JCB Wellness 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.

Features

SBI Card PULSE
SBI Card PULSE
Union JCB Wellness Credit Card
Union JCB Wellness Credit Card

Fees & Charges

Joining Fee
₹1,499 + GST
₹999 + GST
Renewal Fee
₹1,499 + GST
₹999 + GST
Spend Based Waiver
Renewal fee waived if annual spends for previous year are Rs. 2,00,000 or more.
Renewal fee waived on ₹1 lakh+ spend in the previous year.
Foreign Transaction Fees
3.5% of the transaction amount.
3%
Interest Rate (APR)
3.75% Per Month (45% Per Annum).
2.5% per month or 30% annually

Rewards & Benefits

Welcome Bonus
Get a Noise ColorFit Pulse 4 Pro Smart Watch, 1-year FITPASS PRO & 1-year Netmeds First Membership.
No welcome benefits are offered for this card.
Rewards Rate
Earn 10 Reward Points per Rs. 100 spent on Chemist, Pharmacy, Sports, Dining, Movies & 2 RPs on others.
4 RP per ₹100 on dining, shopping, groceries, departmental stores, apparel; 2 RP per ₹100 on all other spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Rs. 100 on each redemption request.
Nil

Travel & Lifestyle

Domestic Lounge Access
Complimentary 8 domestic lounge visits per year (restricted to 2 per quarter).
Two complimentary domestic lounge accesses every quarter.
International Lounge Access
Complimentary Priority Pass Membership for the first two years (no complimentary visits).
Two complimentary international lounge accesses annually.
Travel Benefits
Complimentary 8 domestic lounge visits/year & complimentary Priority Pass Membership for 2 years.
Movie Benefits
Earn 10 Reward Points per Rs. 100 spent on Movies, up to 7,500 accelerated RPs per month.
Dining Benefits
Earn 10 Reward Points per Rs. 100 spent on Dining, up to 7,500 accelerated RPs per month.
Golf Benefits
Not Applicable
One complimentary round of golf every year.
Fuel Surcharge Waiver
1% waiver for transactions between Rs. 500-Rs. 4,000, max Rs. 250/cycle.
1% fuel surcharge waived up to ₹100 per month.

Security & Other

Insurance Benefits
Credit Card Fraud Liability Cover of Rs. 1 Lakh and various Travel Insurance Covers.
Personal accident cover ₹10 lakhs (free); optional accidental cover ₹30 lakhs at cardholder’s cost.
Cash Advance Charges
2.5% of the cash amount, subject to a minimum of Rs. 500.
₹250 or 3% of withdrawal (whichever is higher).
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

SBI Card PULSE

Union JCB Wellness Credit Card

Who is it for?

The SBI Card PULSE is designed for individuals who prioritize health and wellness, offering a blend of health-centric benefits, lifestyle privileges, and travel advantages. It provides a valuable welcome gift and recurring health memberships, coupled with a rewarding points program and comprehensive insurance coverage, making it a well-rounded option.

Who is it for?

The Union JCB Wellness Credit Card is a wellness-focused premium card delivering an annual benefit package worth around ₹22,000, including complimentary domestic and international lounge access, an annual health check-up, gym and spa trials, and one free round of golf. With milestone rewards, a spend-based fee waiver, and UPI-enabled payments, it is best suited for wellness-oriented users seeking lifestyle perks and travel comforts at a modest fee.

Pros

Key benefits and features.

Substantial welcome benefit with a smartwatch upon payment of the joining fee.

Complimentary annual health and fitness memberships including FitPass Pro and Netmeds First.

Accelerated reward points on health-related spends, movies, and dining categories.

Significant insurance covers, including fraud liability and comprehensive travel insurance.

Renewal fee waiver on achieving a reasonable annual spend threshold of Rs. 2 Lakhs.

Pros

Key benefits and features.

Annual benefit package valued around ₹22,000 delivers strong wellness and travel perks for the price.

Milestone reward points on ₹1.5L, ₹2L, and ₹2.5L spends amplify long-term cardholder value.

Low ₹999 + GST annual fee is fully waived with ₹1 lakh annual spend, making ownership cost-effective.

Comprehensive wellness benefits include free health check-ups, gym trials, spa discounts, and golf access.

Dual complimentary lounge programs and 50-day interest-free credit enhance lifestyle and cash-flow flexibility.

Cons

Key drawbacks and limitations.

Air Accident insurance coverage included with the card will be discontinued from July 15, 2025.

Priority Pass membership is complimentary for 2 years, but all lounge visits are chargeable.

A rewards redemption fee of Rs. 100 applies to each reward redemption request.

There is a monthly cap on accelerated reward points earnings in key spending categories.

Cons

Key drawbacks and limitations.

No welcome benefits reduce immediate value for new cardholders upon joining.

Absence of dining or movie discounts limits everyday category savings despite a wellness positioning.

Eligibility restricted primarily to Union Bank customers with a ₹7.5 lakh minimum annual income.

Rewards rate is modest outside dining and shopping, capping broad-spender appeal.

Optional accidental insurance premium is an extra cost that can offset perceived wellness savings.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.