I received a preapproved call from SBI Credit Card informing me that my Simply Click card is eligible for an upgrade to Prime, Elite, or Pulse credit cards. I'm considering accepting this offer, but I'm worried about the charges. So, which one among Prime, Elite, or Pulse credit cards should I choose? Additionally, is there any technique to avoid fees when upgrading?
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credit card upgrade offer
- Thread starter Sravan
- Start date
You can search for charges. Prime is 2999+gst, Elite 4999+gst, Pulse 1499+gst.
You cannot avoid any charges while upgrading with SBI cards. If your profile is good at least you may offered joining fee waived off but not annual fee.
So check annual fee reversal criteria also.
If you can spend more than 5Lacs then Elite is good with annual fee.
'If you can spend more than 3Lacs then Prime is like free for you
I have no information about Pulse card.
You can decide how much you can spend in a year and then choose card from these 3 cards.
You cannot avoid any charges while upgrading with SBI cards. If your profile is good at least you may offered joining fee waived off but not annual fee.
So check annual fee reversal criteria also.
If you can spend more than 5Lacs then Elite is good with annual fee.
'If you can spend more than 3Lacs then Prime is like free for you
I have no information about Pulse card.
You can decide how much you can spend in a year and then choose card from these 3 cards.
Don't fall for this, they are trying to push their core cards while there are other better cobranded cards.
Unless otherwise you have an absolute necessity of one of those cards for your specific needs, you are strongly advised not to contribute to SBI's profit growth (even though your share is mini mini miniscule ).
Hence don't upgrade to any of those cards*
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