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IndianOil Axis Bank Premium vs SBI PULSE – Full comparison

Both cards verified with issuer

IndianOil Axis Bank Premium source SBI PULSE source

Forex costs are a key difference

Key differences

Best forex SBI PULSE 1.99%
Lowest fee IndianOil Axis Bank Premium ₹1,000
Best lounge SBI PULSE 16/year lounge

Spend context

At ₹50k/month spend:

  • SBI PULSE: ~₹250/month at base rate
  • IndianOil Axis Bank Premium: Base earn not clearly specified

Approximate, based on base rates (before caps).

IndianOil Axis Bank Premium AXIS SBI PULSE SBI
Lounge Access
Domestic lounge visits
2/quarter vs 16/year
 2/quarter 16/year
Forex / International Use
Forex markup
Source agreement differs — verify both.
3.5% vs 1.99%
 3.5% 1.99%
Fees
Annual fee
₹1,000 vs ₹1,499
 ₹1,000 ₹1,499
Joining fee
₹1,000 vs ₹1,499
 ₹1,000 ₹1,499
Fee waiver spend
Only available for SBI PULSE
 Not clearly specified ₹2,00,000
Rewards
Points per ₹100
Only available for SBI PULSE
 Check issuer 2 pts
Point cash value
Only available for SBI PULSE
 Check issuer ₹0.25

Notes

  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Source: issuer websites + manual verification · Last verified 20 April 2026
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.