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SBI Pulse vs SBI SimplyCLICK

Both cards compared on real rupee returns for SBI cards under ₹1,500: wellness and dining vs online shopping. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
SBI
CARD PULSE
ASHOK KUMAR
VS
SBI
SIMPLYCLICK
ASHOK KUMAR
Our verdict
SBI SimplyCLICK Credit Card wins for most people
Card B wins decisively with ₹911 annual benefit versus Card A's ₹121. Its lower fee and higher rewards on online shopping and dining make it superior for this spend profile.
Side-by-side comparison
SBI Card PULSE SBI SimplyCLICK Credit Card ✓
Annual benefit ₹121 ₹911
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,499 + taxes (waived on ₹2,00,000/year spend) ₹499 + taxes (waived on ₹1L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2.5% on pharmacy, dining, movies and sports (10 RP/₹100, 4 RP = ₹1); 0.5% on all others; free Noise smartwatch + FITPASS + Netmeds 10X reward points (2.5%) on online spends at partner brands (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq); 5X (1.25%) on all other online spends; 1 point per ₹100 (0.25%) on offline spends. 4 points = ₹1
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 complimentary domestic visits a year (1 per quarter), plus a complimentary Priority Pass membership worth US $99 for the first two years No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Health-conscious individuals wanting wellness memberships, gym access and pharmacy rewards Online spend with SBI relationship
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried) ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
SBI Card PULSE
Card A suits those prioritizing wellness perks like gym access and smartwatch over pure cashback. Choose it if you value health memberships alongside modest rewards.
SBI SimplyCLICK Credit Card
Card B excels when you shop online frequently at partner brands like Myntra and order food via Swiggy or Domino's. Its 10X rewards on these categories drive maximum value.
Who should get which card
Get SBI Card PULSE if you…
· Wellness-focused shoppers wanting FITPASS gym membership
· Pharmacy spenders who benefit from Netmeds rewards
· Those valuing free Noise smartwatch bundled benefit
Get SBI SimplyCLICK if you…
· Online shoppers at Myntra, Swiggy, Domino's, and BookMyShow
· Diners leveraging 10X points on Domino's orders
· Those seeking higher cashback value and lower annual fee
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Related guides
SBI SimplyCLICK vs SBI SimplySAVE →SBI Card PULSE vs SBI Card PRIME →SBI Cashback vs SBI SimplyCLICK →SBI Card PULSE vs HDFC Diners Club Privilege →Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, SBI SimplyCLICK Credit Card offers better annual returns for most spend profiles.
SBI Card PULSE has an annual fee of ₹1,499 + taxes (waived on ₹2,00,000/year spend). SBI SimplyCLICK Credit Card has an annual fee of ₹499 + taxes (waived on ₹1L spend).
SBI Card PULSE offers 2.5% on pharmacy, dining, movies and sports (10 RP/₹100, 4 RP = ₹1); 0.5% on all others; free Noise smartwatch + FITPASS + Netmeds. SBI SimplyCLICK Credit Card offers 10X reward points (2.5%) on online spends at partner brands (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq); 5X (1.25%) on all other online spends; 1 point per ₹100 (0.25%) on offline spends. 4 points = ₹1.
SBI Card PULSE lounge access: 4 complimentary domestic visits a year (1 per quarter), plus a complimentary Priority Pass membership worth US $99 for the first two years. SBI SimplyCLICK Credit Card lounge access: No.
SBI Card PULSE charges 3.5% forex markup. SBI SimplyCLICK Credit Card charges 3.5% forex markup.