Joining Fee
₹1,499
Annual Fee
Rs. 1499 (Reversed on annual spends of Rs. 2 Lakhs)
Add-on Card Fee
Free per supplementary card
SBI Card PULSE
Rewards Structure
Base Reward Rate
2% on spends
Point Value
1 Point = ₹0.25
Pros
- 10X reward points on chemist, pharmacy, sports, dining and movies
- Complimentary FITPASS PRO and Netmeds First memberships annually
- Welcome gift of Noise ColorFit Pulse 4 Pro worth Rs.7,999
- 4 domestic lounge visits per year
- Complimentary Priority Pass membership for first two years
- Renewal fee waiver on Rs.2 lakh annual spends
- Comprehensive travel and fraud insurance cover
Cons
- No complimentary international lounge visits via Priority Pass
- Fuel surcharge waiver capped at Rs.250 per statement cycle
- Air accident insurance of Rs.50 lakhs discontinued from 15 July 2025
- Health memberships require both joining fee payment and min. one retail transaction
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Priority Pass membership is complimentary but no complimentary lounge visits are included
FITPASS PRO and Netmeds memberships require payment of joining fee and minimum one retail transaction
Air accident insurance cover of Rs.50 lakhs discontinued from 15 July 2025
Fraud liability cover valid only 48 hours prior to reporting to 7 days post reporting
Key Benefits & Features
Welcome gift: Noise ColorFit Pulse 4 Pro Smart Watch worth Rs.7,999 on payment of joining fee
1-year complimentary FITPASS PRO Membership annually on card renewal
1-year complimentary Netmeds First Membership annually on card renewal
Complimentary Priority Pass Membership worth US$99 for first two years of cardholder membership
Required Documents
IDENTITY Proof
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About SBI Card PULSE
The SBI Card PULSE is a lifestyle and rewards credit card designed for health-conscious individuals, fitness enthusiasts, and those who enjoy dining, movies, and domestic travel. With a joining and annual fee of Rs. 1,499 plus taxes, the card delivers strong value right from the start, offering a Noise ColorFit Pulse 4 Pro smartwatch worth Rs. 7,999 as a welcome gift upon payment of the joining fee. At its core, the card rewards an active lifestyle. Cardholders earn 10 Reward Points per Rs. 100 spent on chemist, pharmacy, sports, dining, and movie transactions, and 2 Reward Points per Rs. 100 on all other spends, with 4 Reward Points equaling Rs. 1. Annual health benefits include complimentary FITPASS PRO and Netmeds First memberships, renewed each year upon card renewal, making it a genuinely useful companion for wellness-focused spending. Travel and everyday convenience are also well covered. The card provides 4 complimentary domestic lounge visits per year, a complimentary Priority Pass membership for the first two years, and a fraud liability cover of Rs. 1 lakh. Milestone benefits include an Rs. 1,500 e-voucher on annual spends of Rs. 4 lakhs and a renewal fee waiver on spends of Rs. 2 lakhs, ensuring consistent value for regular users.
Our Verdict
Health-focused card with fitness benefits, 10X rewards on pharmacy & dining, lounge access at Rs.1,499/yr.
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