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SBI Prime vs SBI PULSE – Full comparison

Both cards verified with issuer

SBI Prime source SBI PULSE source

Forex costs are a key difference

Key differences

Best forex SBI PULSE 1.99%
Lowest fee SBI PULSE ₹1,499
Best lounge SBI PULSE 16/year lounge

Spend context

At ₹50k/month spend:

  • SBI Prime: ~₹250/month at base rate
  • SBI PULSE: ~₹250/month at base rate

Approximate, based on base rates (before caps).

SBI Prime SBI SBI PULSE SBI
Lounge Access
Domestic lounge visits
2/quarter vs 16/year
2/quarter 16/year
International lounge visits
Only available for SBI Prime
4/year Varies by variant
Forex / International Use
Forex markup
Source agreement differs — verify both.
3.5% vs 1.99%
3.5% 1.99%
Fees
Annual fee
₹2,999 vs ₹1,499
₹2,999 ₹1,499
Joining fee
₹2,999 vs ₹1,499
₹2,999 ₹1,499
Fee waiver spend
₹3,00,000 vs ₹2,00,000
₹3,00,000 ₹2,00,000
Rewards
Points per ₹100
No difference
2 pts 2 pts
Point cash value
No difference
₹0.25 ₹0.25

Notes

  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.