Which card has a lower forex fee: IndiGo Axis Bank Credit Card or SBI Card PULSE?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: IndiGo Axis Bank Credit Card or SBI Card PULSE?

IndiGo Axis Bank Credit Card has a lower annual fee (₹799 vs ₹1,499).

Which card offers better lounge access?

IndiGo Axis Bank Credit Card: 1 per quarter domestic lounge. SBI Card PULSE: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank IndiGo vs SBI Card PULSE Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank IndiGo and the SBI Card PULSE. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

IndiGo Axis Bank

Annual fee ₹799
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

PULSE SBI Card

Annual fee ₹1,499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter)

Reward earning explained

Per card

IndiGo

1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo

Limited data

PULSE

2 pts / ₹100 · Up to 10 pts / ₹100 on Dining

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank IndiGo: ₹799 vs SBI Card PULSE: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year (1 per quarter)).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: Axis Bank IndiGo is not safely INR-comparable (no usable point value). SBI Card PULSE conservative base value ~0.5% per ₹100.

IndiGo: Limited data PULSE: Limited data

Axis Bank IndiGo

Confidence: Low (limited information available)

Verify with issuer

SBI Card PULSE

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

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

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	IndiGo Axis Bank	PULSE SBI Card
Lounge Access
Domestic lounge visits	4/year (1 per quarter)	4/year (1 per quarter)
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹799 vs ₹1,499	₹799	₹1,499
Joining fee ₹799 vs ₹1,499	₹799	₹1,499
Fee waiver spend Only available for SBI PULSE	Not specified	₹2,00,000
Rewards
Points per ₹100 1 pt / ₹100 vs 2 pts / ₹100	1 pt / ₹100	2 pts / ₹100
Conservative base value Not safely INR-comparable vs ~0.5%	Not safely INR-comparable	~0.5%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for SBI PULSE	Not specified	₹0.25

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.