If you want a credit card that helps your health and fitness, you might want to compare the SBI Pulse Credit Card and the Yes Bank Wellness Plus Credit Card side by side. These two cards are made for people who care about their health and want to save money on things like medical bills, exercise services, preventive care, and more. This blog post will compare these two cards based on fees, rewards, features, and perks, and it will help you decide which one is better for you.
Costs and fees
When picking a credit card, the fees and charges are the first thing you should think about. The fees and charges for both cards are shown below:
Joining Fee:
The joining fee is INR 499 (refunded if you spend Rs. 50,000 in a year) in case of SBI Pulse Credit Card and INR. 1,499 in case of Yes Bank Wellness Plus Credit Card.
Annual Fee
The annual fee in case of SBI Pulse Credit Card is INR 1,499 (refunded if you spend INR 1 lakh in a year). In case of Yes Bank Wellness Plus Credit Card INR 1,499.
Interest Rate
The interest rate are 3.5% per month in case of SBI Pulse Credit Card. In case of Yes Bank Wellness Plus Credit Card it is 3.8% p.m (45.6% p.a).
Cash Advance Fee
The cash advance fee is 2.5% of the amount or INR 500, whichever is higher in case of SBI Pulse Credit Card. Yes Bank Wellness Plus Credit Card also has cash advance fee of 2.5% of the amount withdrawn or INR 500.
Late Payment Fee
In case of SBI Pulse Credit Card the late payment fee: Nil for outstanding amount on payment from INR 0-INR 500, INR 400 for outstanding amount greater than INR 500 & up to INR 1000; INR 750 for outstanding amount greater than INR 1000 & up to INR 10,000; INR. 950 for outstanding amount greater than INR 10,000 up to INR 25,000; INR 1100 for Outstanding Amount greater than INR 25,000 & up to INR 50,000; INR 1300 for Outstanding Amount greater than INR 50,000.
The late payment fee is Rs. 100 to Rs. 950, depending on the amount you owe. Late payment fee in case of Yes Bank Wellness Plus Credit Card.
The SBI Pulse Credit Card and Yes Bank Wellness Plus Credit Card have the same annual fee and joining Fee. You can also get these fees waived if you meet certain spending requirements. The interest rates on the SBI card are also a little lower. When you get a cash advance, both cards charge the same fees.
Benefits And Perks
Welcome Benefits
Both cards come with nice bonuses for people who get them for the first time. As a welcome gift, the SBI Pulse card comes with a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999. You also get free access to Fitpass Pro and Netmeds First for a year each. The Yes Bank Wellness Plus card lets you get a free preventive health checkup with 31 different tests once a year. It also lets you go to 12 free exercise classes a month, which can be Yoga, Zumba, or the gym.
Points for Rewards
You can earn credit points on both cards based on how much you spend and then exchange them for different things. If you use your SBI Pulse card to buy something in a drugstore, chemist, movie theatre, or restaurant, you'll get 10 reward points. If you buy something else, you'll get 2 reward points. When you use your Yes Bank Wellness Plus card to buy things at pharmacies, you'll get 30 reward points. For everything else, you'll get 6 reward points. One reward point is equal to 0.25 rupees on both cards, and they can be redeemed for a wide range of items in their reward catalogues or applied to the amount on your account.
Access to the Airport Lounge
With the SBI Pulse card, you can visit two domestic lounges for free every three months, and for the first two years, you can also join Priority Pass for free. The Yes Bank Wellness Plus card lets you visit four domestic lounges for free every three months, and it also lets you visit four foreign lounges for free every year as a Priority Pass member.
Cover for Insurance
People who have both cards can get insurance that covers them in a number of situations. You can get INR 50 lakhs in coverage for an air accident with the SBI Pulse card. You also get INR 1 lakh in zero liability coverage and other travel insurance benefits, such as coverage for lost or delayed luggage, lost travel papers, and more. The Yes Bank Wellness Plus card covers you for an air accident up to Rs. 1 crore, for no fault of your own up to Rs. 3 lakhs, and for other travel insurance issues like lost or delayed luggage, lost travel papers, and so on.
Other Benefits
Both cards come with extra benefits, like not having to pay the 1% fuel surcharge on purchases between INR 500 and INR 4,000, the ability to make contactless payments, the ability to pay over time, the ability to move balances, and more. The Yes Bank Wellness Plus card also lets you talk to specialists, nutritionists, and practitioners as much as you want through the Aditya Birla Wellness Pvt Ltd website.
Conclusion
Your can read our detailed review of Yes Bank Wellness Plus Credit Cad here.
You can also read our detailed review of SBI Pulse Credit Card here.
Both credit cards are great health focused credit card. The USP of the Yes Bank Wellness Plus Credit Card is that it offers 12 free yoga/zumba/gym sessions per month to its users. On the other hand SBI Pulse Credit Card comes with an amazing welcome benefit which is a free Noise ColorFit Pulse 2 Max Smart Watch. Overall Yes Bank Wellness Plus Credit Card has a greater number of health rated features and is the winner of this duel.
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