Apollo Sbi Card Mastercard Credit Card vs Sbi Card Visa Pulse: Which is Better in 2026?
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The Apollo Sbi Card Mastercard Credit Card offers limited benefits with no specified fees or rewards, while the Sbi Card Visa Pulse provides a structured rewards program and additional perks. The latter includes a welcome benefit and lounge access, making it more appealing for users seeking value.
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 | Apollo Sbi Card Mastercard Credit Card | Sbi Card Visa Pulse |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | — | — |
| Annual / renewal fee | — | Renewal 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, with enhanced earning potential on specific categories like dining and movies. In contrast, the Apollo Sbi Card Mastercard Credit Card lacks any defined rewards structure, making it less attractive for those looking to earn points on their spending.
Which is better for travel?
For travel benefits, the Sbi Card Visa Pulse stands out with 8 complimentary domestic lounge accesses and a complimentary Priority Pass membership. The Apollo Sbi Card Mastercard Credit Card does not provide any lounge access or travel-related perks, making it less suitable for frequent travelers.
Which has lower effective cost?
Both cards have unclear fee structures, as the Apollo Sbi Card Mastercard Credit Card does not specify any fees, while the Sbi Card Visa Pulse has a renewal fee of Rs.1499 but offers a waiver upon spending Rs.2 Lakhs. This makes the Sbi Card Visa Pulse potentially more cost-effective for users who can meet the spending requirement.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you prefer a card with no specified fees or rewards, which might appeal to those who do not frequently use credit cards for purchases.
Who should pick Sbi Card Visa Pulse?
Consider Sbi Card Visa Pulse if you are looking for a card that offers a structured rewards program, travel benefits, and a welcome bonus, making it suitable for active spenders and travelers.
Frequently Asked Questions
The Sbi Card Visa Pulse offers 2 Reward Points per Rs.100 spent, enhanced rewards on dining and entertainment, and lounge access.
The Apollo Sbi Card Mastercard Credit Card does not specify any fees, but details should be checked on the issuer's site.
You can waive the renewal fee of Rs.1499 by spending Rs.2 Lakhs in a year.
Yes, the Sbi Card Visa Pulse offers a Noise ColorFit Pulse 2 Max Smart Watch worth Rs.5999 as a welcome benefit.