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SBI PULSE vs Scapia – Full comparison
Both cards verified with issuer
SBI PULSE source Scapia sourceForex costs are a key difference
Key differences
Best forex Scapia 0%
Lowest fee Scapia ₹0
Best lounge Scapia Unlimited lounge
Spend context
At ₹50k/month spend:
- SBI PULSE: ~₹250/month at base rate
- Scapia: ~₹200/month at base rate
Approximate, based on base rates (before caps).
| SBI PULSE SBI | Scapia FEDERAL | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 16/year vs Unlimited | 16/year | Unlimited |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 1.99% vs 0% | 1.99% | 0% |
| Fees | ||
| Annual fee ₹1,499 vs ₹0 | ₹1,499 | ₹0 |
| Joining fee ₹1,499 vs ₹0 | ₹1,499 | ₹0 |
| Fee waiver spend Only available for SBI PULSE | ₹2,00,000 | Not clearly specified |
| Rewards | ||
| Points per ₹100 No difference | 2 pts | 2 pts |
| Point cash value ₹0.25 vs ₹0.2 | ₹0.25 | ₹0.2 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.