SBI Pulse vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI Pulse wins 7-1. Health/fitness focused, smartwatch + wellness benefits. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | SBI Pulse | Kotak White |
|---|---|---|
| Annual fee | ₹1,499 | · ₹3,000 |
| Joining fee | ₹1,499 | · ₹3,000 |
| Top reward rate | 1% (general) | · Milestone |
| Base reward rate | 1% | · Milestone |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Noise smartwatch on activation + 5,000 reward points | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | ₹200,000 / yr | · ₹500,000 / yr |
| Min income | ₹360,000 | · ₹2,500,000 |
| Min credit score | 740 | · N/A |
| Editorial rating | · 3.9/5 | 4.3/5 |
Benefits compared
SBI Pulse
- Free Noise ColorFit Pulse 2 smartwatch
- 4 reward points per ₹100 on chemists, dining, movies
- 4 domestic lounge visits/year
- 1-year FITPASS PRO membership
- Cult.fit + 1mg discount partnerships
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›SBI Pulse vs Kotak White: which is better?
SBI Pulse wins on more dimensions (7 vs 1). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use SBI Pulse for its best categories, Kotak White for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Pulse: Noise smartwatch on activation + 5,000 reward points. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.