SBI ELITE vs PULSE Credit Card 2026 – Compare Fees & Benefits

Compare SBI’s Top Premium Credit Cards

SBI offers two premium credit cards – ELITE and PULSE – designed for different customer segments. While both cards provide exclusive benefits, they cater to different spending patterns and lifestyle needs.

Quick Decision Guide:

  • Choose SBI Card ELITE if you want premium travel benefits, international lounge access, higher reward rates, and don’t mind the ₹4,999 annual fee.
  • Choose SBI Card PULSE if you prefer lower fees (₹1,499), want health & wellness benefits, domestic lounge access, and good reward points on specific categories.

Both cards offer comprehensive insurance coverage, contactless payments, and global acceptance. Your choice should depend on your annual spending, travel frequency, and which benefits align with your lifestyle.

Credit Card Comparison

SBI Card ELITE

Privileges on SBI Card ELITE

Fees

  • Joining Fee: ₹4,999 + Taxes
  • Annual Fee: ₹4,999 + Taxes

Welcome Offer

  • Receive a complimentary e-gift voucher valued at ₹5,000 as a welcome benefit.
  • Choose your voucher from renowned brands like Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop.
  • You will get an SMS to select your preferred brand within 30 days of paying the annual fee. Your e-voucher will be delivered to your registered email and mobile number within 5 days of your request.
  • For Pantaloons, Shoppers Stop, and Hush Puppies/Bata, redeem your voucher instantly by presenting the code at any of their retail stores.
  • Use your voucher code on Yatra and Shoppers Stop websites during checkout for a seamless online shopping experience.
  • The Aditya Birla Fashion voucher can be redeemed at popular stores including Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, and Simon Carter.

Movie Benefits

  • Get free movie tickets every year, with benefits worth up to ₹6,000.
  • Avail a discount of up to ₹250 per ticket on a minimum booking of 2 tickets every month. Please note: A convenience fee will be applicable as per the booking platform.
  • This exclusive movie ticket benefit is available only on the primary card.
  • For a step-by-step guide on how to redeem your movie ticket offer, Click Here.

Milestone Privileges

  • Maximize your rewards by earning up to 50,000 bonus points annually, equivalent to ₹12,500 in value.
  • Reach an annual spend milestone of ₹3 lakhs or ₹4 lakhs and receive 10,000 bonus reward points each time.
  • Achieve higher annual spending targets of ₹5 lakhs or ₹8 lakhs to earn a bonus of 15,000 reward points per milestone.
  • Get your annual fee completely waived upon reaching a total annual spend of ₹10 lakhs.

Rewards

  • Accelerate your rewards with 5X reward points on all your spends in dining, departmental stores, and grocery categories.
  • For all other eligible purchases, earn a solid 2 reward points for every ₹100 spent (fuel transactions excluded).
  • Use your accumulated reward points to pay your credit card outstanding. The redemption rate is ₹1 for every 4 reward points.
  • Save on fuel purchases with a 1% fuel surcharge waiver at all petrol pumps (applicable government taxes extra). This benefit is capped at ₹250 per month, per statement cycle.

International Lounge

  • Get free membership to the exclusive Priority Pass program, a $99 value, for enhanced travel benefits.
  • As a cardholder, you are entitled to 6 complimentary visits to international airport lounges each calendar year, with a limit of 2 visits per quarter (effective July 1, 2017).
  • Unlock entry to a global network of over 1,000 premium airport lounges across the world.
  • To receive your physical Priority Pass membership card, contact our customer care at 1860 180 1290 or 39020202 (prefix your local STD code when dialing).
  • After your complimentary visits, a usage fee of $27 plus applicable taxes per lounge entry will be charged to your SBI Card ELITE account.
  • To view the complete list of participating Priority Pass member lounges worldwide, Click Here.
  • This offer is exclusively for Primary Cardholders. The complimentary Priority Pass membership is valid for a period of 2 years from issuance.

Domestic Lounge

  • Get 2 free domestic airport lounge visits in India every quarter.
  • Simply use your SBI Card ELITE at participating lounges to access the offer.
  • This exclusive benefit is powered by Visa/Mastercard/American Express and is available for a limited time.

Forex Markup

  • Benefit from the lowest foreign currency markup of just 1.99% on all international transactions with your SBI Card ELITE.
  • Earn 2 reward points for every ₹100 spent on all your international purchases.

Complimentary ITC Silver Tier Membership

  • Receive a complimentary one-year Club ITC Silver Tier membership.
  • This offer is valid only for cards issued from September 1, 2025 onward.
  • Complete your first transaction within 60 days of card issuance to qualify—activation details will be shared within 15 days.
  • You’ll receive your membership login credentials via email within 7 working days of registration.
  • For complete terms and conditions, refer to the Link Here.

Exclusive Concierge Service

  • Access dedicated assistance for flower delivery, gift delivery, and online doctor consultation.
  • To use the Concierge services, call 1800-2121-68168 or email support@premiumconcierge.in.
Features of SBI Card ELITE

Terms and Conditions

  • For detailed Terms and Conditions and Usage Directions, click here.
  • With effect from 15 July 2025, complimentary Air Accident insurance of ₹1 crore will be discontinued.

Mastercard

  • Enjoy 4 free green fee rounds, up to 50% off on golf games, and 1 complimentary lesson monthly at partner golf courses across India.
  • Save up to 15% on best available room rates and up to 15% on food & beverage at all Lalit Hotels.

Visa

American Express

  • Explore delicious dining offers with up to 25% discount in your city through the American Express Dining Platform.
  • Enjoy VIP upgrades and exclusive privileges at hotels worldwide with a complimentary Tablet Plus membership.

Contactless Advantage

  • Simplify everyday shopping with SBI Card ELITE – just wave your card at a secure reader for instant, contactless payments.
  • No more cash or swiping – wave your card and go for fast, hassle-free small purchases every day.
  • Keep your card secure and in-hand during transactions, minimizing risks of loss, fraud, or accidental multiple charges.

Global Acceptance

  • Your SBI Card ELITE is accepted at over 24 million outlets worldwide, including 325,000+ outlets across India.

Fuel Surcharge Waiver

  • Save 1% on fuel at all petrol pumps nationwide on transactions between ₹500 and ₹4,000.
  • Enjoy a maximum fuel surcharge waiver of ₹250 per statement cycle per card account.

Fraud Liability Cover

  • Get complimentary credit card fraud liability coverage of ₹1 lakh.
  • The coverage is effective 48 hours before and extends up to 7 days after reporting the card as lost or stolen.
  • To report a lost card, call the SBI Card helpline at 39 02 02 02 (prefix STD code) or 1860 180 1290.

Emergency Card Replacement

  • Get your SBI Card ELITE replaced anywhere in the world, available for VISA and Mastercard.
  • Access 24/7 emergency card replacement support, even while traveling abroad.
  • For Visa card emergencies, Click Here
  • If your card is lost within India, call 39 02 02 02 (add local STD code) or 1860 180 1290.

Add-on Cards

  • Empower your family with SBI Card ELITE Add-on Cards for parents, spouse, children, or siblings above 18 years of age.

Cash Access Worldwide

  • Access cash worldwide at over 1 million Visa, Mastercard, or American Express ATMs.

Safe and Secure

  • Protect your transactions with enhanced chip and PIN security on your SBI Card ELITE to guard against counterfeiting and skimming.

Easy Bill Pay

  • Pay electricity, telephone, mobile and other utility bills easily via SBI Card Elite.

Flexipay

  • Convert spends ₹2,500+ into EMIs.

Balance Transfer on EMI

  • Transfer balances from other banks at lower interest.
Apply Now

SBI Card PULSE

Privileges on SBI Card PULSE

Fees

  • Joining Fee: ₹1,499 + Taxes
  • Annual Fee: ₹1,499 + Taxes

Welcome Offer

  • Receive a Noise ColorFit Pulse 4 Pro Smart Watch worth ₹7,999 upon payment of your joining fee.
  • Click Here to Know More.

Health Benefits

  • Get a complimentary FITPASS PRO membership every year upon your card renewal.
  • Receive a free Netmeds First membership annually when you renew your card.
  • Both memberships require payment of the joining fee and at least one retail transaction.

Milestone Privileges

  • Your annual renewal fee is waived when you spend ₹2 lakhs or more per year.
  • Receive an e-voucher worth ₹1,500 upon achieving annual retail spends of ₹4 lakhs.

Rewards

  • Earn 10 reward points per ₹100 spent on chemist, pharmacy, sports, dining, and movies purchases.
  • Get 2 reward points per ₹100 spent on all other eligible transactions.
  • Pay your credit card bill using reward points at a rate of ₹1 for every 4 points.
  • You can also redeem your reward points for a variety of options from the reward catalogue.

Lounge Benefits

  • Get 8 free domestic lounge visits each year, limited to 2 per quarter.
  • Receive a complimentary Priority Pass membership worth $99 for the first two years of your card membership.

Comprehensive Insurance Cover

  • Get fraud liability insurance coverage of ₹1 lakh.
  • Receive baggage loss coverage of up to ₹72,000 (approx. $1,000).
  • Avail baggage delay compensation of ₹7,500.
  • Access reimbursement of up to ₹12,500 for lost travel documents.
  • Secure coverage of ₹7,500 for flight delays.
Features of SBI Card PULSE

Terms and Conditions

  • For detailed Terms and Conditions and Usage Directions. click here

Reward Point

  • Earn 10 reward points for every ₹100 spent on chemist, pharmacy, sports, dining, and movies.
  • Get 2 reward points for every ₹100 spent on all other purchases.
  • Convert reward points to cash at a rate of 4 points = ₹1.
  • Use your points to pay your credit card bill or redeem them for a wide range of exciting gifts.

Welcome Benefits

  • Get a ColorFit Pulse 4 Pro worth Rs. 7,999 on payment of joining fee

Health Benefits

  • Get a complimentary 1-year FITPASS PRO membership and Netmeds First membership after paying the joining fee and making at least one retail transaction in the first year.
  • Both memberships are renewed annually and are received free of charge each year upon card renewal.

Lounge Program

  • SBI Card PULSE cardholders receive 8 complimentary domestic lounge accesses per year, limited to 2 per quarter.
  • Refer to the Visa Lounge Program Terms & Conditions on their official website for more details.
  • For Mastercard lounge program terms & conditions, Click Here.
  • Visa/Mastercard may update the lounge list at any time without prior notice for SBI Card PULSE.
  • Priority Pass membership is complimentary for the first two years of card membership.
  • No complimentary lounge visits are included with Priority Pass for SBI Card PULSE.
  • Priority Pass membership is offered exclusively to the primary SBI Card PULSE cardholder.

Milestone Benefits

  • Receive a ₹1,500 voucher upon reaching retail spends of ₹4 lakhs in a year.
  • Get your annual membership fee waived from the second year onwards if you spend ₹2 lakhs or more in the previous year.

Air Accident & Fraud Liability Cover

  • Receive a complimentary Air Accident Insurance Cover of ₹50 lakhs.
  • Get a complimentary Credit Card Fraud Liability Cover of ₹1 lakh.
  • The fraud cover is active from 48 hours before to 7 days after reporting the loss. To report a lost card, call SBI Card at 1860 180 1290 or 39 02 02 02 (prefix local STD code).

1% Fuel Surcharge waiver

  • Get a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, with a maximum waiver of ₹250 per statement cycle, per credit card account.

Contactless Advantage

  • Make daily purchases quick and secure – simply tap your SBI Card PULSE at a contactless reader to transact.
  • Skip cash and swiping – just tap and go for fast, easy payments on everyday small purchases.
  • Stay secure with contactless – your card stays in your hand, reducing loss and skimming risks, with VISA PayWave preventing accidental multiple charges.
  • Download the full list of participating contactless merchants by Click Here

Worldwide Acceptance

  • Your SBI Card PULSE is accepted at over 24 million outlets worldwide, including 325,000+ in India.
  • Use your card seamlessly wherever Visa is accepted globally.

Add-on Cards

  • Empower your family with SBI Card PULSE add-on cards for parents, spouse, children, or siblings aged 18 and above.

Cash on the Go

  • Access cash instantly at over 1 million Visa ATMs worldwide with your SBI Card PULSE.

Utility Bill Payment Facility

  • Pay electricity, telephone, mobile and other utility bills easily via SBI Card PULSE.

Flexipay

  • Convert purchases of ₹2,500+ into easy monthly installments with Flexipay – just log into sbicard.com within 30 days of your transaction.

Balance Transfer on EMI

  • Transfer balances from other banks at lower interest.
Apply Now
Disclaimer
  • The information provided on RupayWallet.in is collected from various publicly available sources, official bank websites, and third-party platforms.
  • While we strive to keep the information accurate and up to date, we do not guarantee the completeness, reliability, or accuracy of any credit card details, fees, rewards, or offers listed on this website.
  • Credit card features, charges, eligibility criteria, and benefits are subject to change at the discretion of the respective banks or card issuers without prior notice.
  • RupayWallet.in is not a bank, financial institution, or credit card issuer and does not provide financial, legal, or professional advice.
  • Users are strongly advised to verify all details directly from the official bank website or customer support before applying for any credit card.
  • Any action you take based on the information available on this website is strictly at your own risk. RupayWallet.in shall not be liable for any losses or damages.