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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.
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Last updated: 17 July 2026

Both SBI Card PULSE and Union JCB Wellness Credit Card suit premium-focused spenders, but they earn and cost differently. SBI Card PULSE costs ₹1,499 + GST and earns 10 Reward Points per Rs. 100 spent on Chemist, Pharmacy, Sports, Dining, Movies & 2 RPs on others. Union JCB Wellness Credit Card costs ₹999 + GST and earns 4 RP per ₹100 on dining, shopping, groceries, departmental stores, apparel; 2 RP per ₹100 on all other spends. SBI Card PULSE also brings complimentary 8 domestic lounge visits per year (restricted to 2 per quarter), while Union JCB Wellness Credit Card counters with two complimentary domestic lounge accesses every quarter. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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

Fees & Charges

Joining Fee₹1,499 + GST
Joining Fee₹999 + GST
Renewal Fee₹1,499 + GST
Renewal Fee₹999 + GST
Spend Based WaiverRenewal fee waived on spending ₹2 lakhs or more in the previous card anniversary year.
Spend Based WaiverRenewal fee waived on ₹1 lakh+ spend in the previous year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3%
Interest Rate (APR)3.75% Per Month (45% Per Annum).
Interest Rate (APR)2.5% per month or 30% annually

Rewards & Benefits

Welcome BonusNoise ColorFit Pulse 4 Pro Smart Watch worth ₹7,999, plus 1-year Fitpass Pro & Netmeds First memberships.
Welcome BonusNo welcome benefits are offered for this card.
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 Rate4 RP per ₹100 on dining, shopping, groceries, departmental stores, apparel; 2 RP per ₹100 on all other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹100 on each redemption request.
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access8 complimentary domestic airport lounge visits every year, capped at 2 per quarter.
Domestic Lounge AccessTwo complimentary domestic lounge accesses every quarter.
International Lounge AccessComplimentary Priority Pass membership for the first two years (usage fees apply).
International Lounge AccessTwo complimentary international lounge accesses annually.
Travel Benefits8 complimentary domestic lounge visits annually & complimentary Priority Pass membership for 2 years.
Travel Benefits
Movie BenefitsEarn 10 Reward Points per ₹100 spent on Movies, translating to a 2.5% reward rate.
Movie Benefits
Dining BenefitsEarn 10 Reward Points per ₹100 spent on Dining, translating to a 2.5% reward rate.
Dining Benefits
Golf Benefits
Golf BenefitsOne complimentary round of golf every year.
Fuel Surcharge Waiver1% waiver for transactions between ₹500-₹4,000, max ₹250 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waived up to ₹100 per month.

Security & Other

Insurance BenefitsZero Liability Cover (₹1 lakh), Lost Baggage (₹72,000), Delayed Baggage (₹7,500), Loss of Travel Documents (₹12,500).
Insurance BenefitsPersonal accident cover ₹10 lakhs (free); optional accidental cover ₹30 lakhs at cardholder’s cost.
Cash Advance Charges2.5% of cash amount, subject to a minimum of ₹500.
Cash Advance Charges₹250 or 3% of withdrawal (whichever is higher).
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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 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 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.

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.

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.

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.

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.

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 Union JCB Wellness Credit Card(opens in new tab)