SBI SimplyClick Credit Card Vs SBI Card Pulse
Last Updated : April 3, 2025, 3 p.m.
In today's digital-first economy, choosing the right credit card can significantly impact your financial benefits and lifestyle rewards. The State Bank of India offers various credit card options tailored to different consumer preferences and spending habits. Two popular choices—the SBI SimplyClick Credit Card and the SBI Card Pulse —represent distinct approaches to reward structures and benefits. While the SimplyClick card caters primarily to digital shoppers with enhanced online spending rewards, the Pulse card focuses on health-conscious individuals who prioritize wellness, dining, and entertainment experiences. This comprehensive comparison will help you navigate the features, benefits, and costs associated with each card, enabling you to make an informed decision that aligns with your personal spending patterns and lifestyle preferences. After you choose a credit card and before you apply for one, check free CIBIL score online on Wishfin. You can also get your detailed CIBIL report.
Comparing the features of the SBI SimplyClick Credit Card and SBI Card Pulse
The SBI SimplyClick Credit Card is designed primarily for online shoppers, offering enhanced rewards for digital transactions. On the other hand, SBI Card Pulse targets health and fitness enthusiasts, with benefits tailored to an active lifestyle.
| Feature | SBI SimplyClick Credit Card | SBI Card Pulse |
|---|---|---|
Annual Fee | Rs. 499 + taxes | Rs. 1,499 + taxes |
Renewal Fee | Rs. 499 + taxes | Rs. 1,499 + taxes |
Renewal fee waiver | Waived if annual spend ≥ Rs. 1 lakh | Waived if annual spend ≥ Rs. 2 lakhs. |
Welcome benefits | Amazon e-gift voucher worth Rs. 500 | Noise ColorFit Pulse Smart Watch worth Rs. 7,999 on paying the joining fee. |
Core Reward Structure |
|
|
Reward Point Value | Redemption value: 1 RP = Rs. 0.25 |
|
Milestone Benefits |
|
|
Airport Lounge Access | No airport lounge access benefits |
|
Insurance Coverage | No significant insurance benefits mentioned |
|
Health Benefits | None |
|
Fuel Benefits | 1% fuel surcharge waiver on transactions between Rs. 500- Rs.3,000 | 1% fuel surcharge waiver on transactions between Rs. 500 - Rs. 4,000 (Maximum of up to Rs. 250 per statement cycle) |
Target Audience | Online shoppers | Health and fitness enthusiasts |
Key Differences
Fee Structure
The SBI SimplyClick has a significantly lower annual fee at Rs. 499 compared to SBI Card Pulse's Rs. 1,499. However, the SimplyClick requires Rs. 1 lakh annual spending for fee waiver, while Pulse requires Rs. 2 lakhs.
Reward Focus
SimplyClick is optimized for online shopping with higher reward points on e-commerce platforms. In contrast, Pulse rewards spending on health, fitness, dining, and entertainment categories.
Premium Benefits
The SBI Card Pulse offers more premium benefits including airport lounge access, comprehensive insurance coverage, and health memberships that are not available with the SimplyClick card.
Common Features
Both cards offer:
- Annual fee waiver based on spending thresholds
- Milestone-based rewards
- Fuel surcharge waivers
- Welcome gifts
- Balance transfer on EMI
- Flexipay option for converting transactions to EMIs
- Worldwide acceptance
- Add-on cards for family members.
Which Card to Choose?
Choose SBI SimplyClick if:
- You frequently shop online
- You prefer a lower annual fee
- Your spending is primarily on e-commerce platforms
- You want simpler reward structures with lower spending thresholds
Choose SBI Card Pulse if:
- You lead an active, health-conscious lifestyle
- You frequently dine out and watch movies
- You value travel benefits like airport lounge access
- You want comprehensive insurance coverage
- You don't mind paying a higher annual fee for premium benefits
Conclusion
The choice between SBI SimplyClick and SBI Card Pulse ultimately depends on your lifestyle and spending habits. SimplyClick offers excellent value for digital-first consumers with its focus on online shopping rewards. Meanwhile, SBI Card Pulse provides a more comprehensive benefits package for those who prioritize health, fitness, and premium experiences, albeit at a higher annual fee. Consider your spending patterns and which card will be most beneficial to you before making a decision.
Frequently Asked Questions (FAQs)
