Aditya Birla Sbi Card Select Credit Card vs Sbi Card Visa Pulse: Which is Better in 2026?
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The Aditya Birla Sbi Card Select Credit Card offers no notable benefits, while the Sbi Card Visa Pulse provides various rewards and features. This comparison highlights the significant differences in value between these two SBI Cards.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Aditya Birla Sbi Card Select Credit Card | Sbi Card Visa Pulse |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | Visa | Visa |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.1499 |
| Annual fee waiver | — | Spend Rs.2 Lakhs For Waiver of Renewal Fee |
| Reward rate (headline) | — | Earn 2 Reward Points per Rs.100 |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | — | Complimentary Priority Pass Membership worth US $99 |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs.5999 |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Sbi Card Visa Pulse is clearly superior for rewards, offering 2 Reward Points per Rs.100 spent, and even more for specific categories like dining and movies. In contrast, the Aditya Birla Sbi Card Select Credit Card lacks any rewards program, making it less appealing for users focused on earning points or cashback.
Which is better for travel?
Travel benefits also favor the Sbi Card Visa Pulse, which includes 8 complimentary domestic lounge accesses and a complimentary Priority Pass membership for international lounges. The Aditya Birla Sbi Card Select Credit Card does not offer any lounge access, limiting its value for frequent travelers.
Which has lower effective cost?
When it comes to fees, the Aditya Birla Sbi Card Select Credit Card has no annual or renewal fees, making it a low-cost option. In contrast, the Sbi Card Visa Pulse has an annual fee of Rs.1499, though it can be waived with a minimum spend, which adds a layer of complexity.
Who should pick Aditya Birla Sbi Card Select Credit Card?
Consider Aditya Birla Sbi Card Select Credit Card if you prefer a no-fee card with no rewards or benefits, making it suitable for those who want a straightforward credit card without additional costs.
Who should pick Sbi Card Visa Pulse?
Consider Sbi Card Visa Pulse if you are looking for a credit card that offers rewards on spending, travel benefits, and a welcome gift. It is ideal for users who frequently dine out or shop in specific categories.
Frequently Asked Questions
The Aditya Birla Sbi Card Select Credit Card has no annual fees, while the Sbi Card Visa Pulse has an annual fee of Rs.1499.
Yes, the Sbi Card Visa Pulse offers 8 complimentary domestic lounge accesses and a complimentary Priority Pass membership for international lounges. The Aditya Birla Sbi Card Select Credit Card does not offer any lounge access.
You can earn 2 Reward Points per Rs.100 spent, and 10 Reward Points per Rs.100 spent on categories like dining, movies, and sports.
Yes, the annual fee for the Sbi Card Visa Pulse can be waived by spending Rs.2 Lakhs in a year.