SBI Card PULSE Vs SBI PRIME Credit Card – Which One Offers Better Value in 2025?

SBI Card has positioned itself strongly in India’s credit card market with several lifestyle-focused products. Among them, the SBI Card PULSE and SBI Card PRIME have gained notable attention for their unique benefit structures. While both cater to premium users, their reward ecosystems and target audiences differ significantly. The SBI PULSE Credit Card is designed around health and wellness, offering complimentary fitness memberships, health consultations, and additional reward points on pharmacy and sports-related spends. On the other hand, the SBI PRIME Credit Card focuses on lifestyle and travel benefits, featuring complimentary lounge access, milestone vouchers, and accelerated rewards on dining, groceries, and international transactions. The annual fee for SBI PULSE is typically lower, often around ₹1,499, whereas SBI PRIME carries a higher joining fee but compensates with greater lifestyle privileges and milestone bonuses. The PRIME card appeals more to frequent travelers and high-spending users, while PULSE is ideal for health-conscious cardholders looking for consistent cashback and rewards in fitness categories. As per current trends, the SBI PRIME Credit Card remains the more versatile option for overall benefits, while the SBI PULSE card provides better niche value for those who prioritize wellness-related spending.