MyFinCards
SBI Card PULSE

Joining Fee

₹1,499

Annual Fee

Rs. 1499 (Reversed on annual spends of Rs. 2 Lakhs)

SBI Card
Lifestyle
Rewards
Best For: Health and fitness enthusiasts, Those spending on pharmacies and wellness, Diners and movie goers, Domestic travelers seeking lounge access

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

PAN Card
Aadhaar Card
Official Terms & Conditions

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.

Expert Review

Our Verdict

Health-focused card with fitness benefits, 10X rewards on pharmacy & dining, lounge access at Rs.1,499/yr.

Frequently Asked QuestionsAbout SBI Card PULSE

FEESWhat is the joining fee and annual fee for SBI Card PULSE?
The SBI Card PULSE has a one-time joining fee of ₹1,499 + applicable taxes and an annual renewal fee of ₹1,499 + applicable taxes from the second year onwards. However, the renewal fee is waived if your total annual spends in the previous year are ₹2,00,000 or more. Add-on cards are available at no additional annual fee.
BENEFITSWhat welcome gift do I get with SBI Card PULSE?
On payment of the joining fee, you receive a Noise ColorFit Pulse 4 Pro Smart Watch worth ₹7,999 as a welcome gift. This is a one-time benefit provided upon joining the card. Make sure to pay the joining fee to be eligible for this welcome benefit.
REWARDSHow many reward points do I earn on SBI Card PULSE?
With SBI Card PULSE, you earn 10 Reward Points per ₹100 spent on Chemist, Pharmacy, Sports, Dining, and Movies categories. For all other retail spends, you earn 2 Reward Points per ₹100 spent. The value of reward points is 4 Reward Points = ₹1. You can redeem points to pay your outstanding card balance or against gifts from the Rewards Catalogue.
BENEFITSWhat are the health membership benefits offered on SBI Card PULSE?
SBI Card PULSE offers complimentary 1-year FITPASS PRO membership and 1-year Netmeds First membership every year. These memberships are renewed annually on card renewal. Please note that both memberships are subject to payment of the Joining Fee and a minimum of one retail transaction on the card in the first year to be eligible to receive these benefits.
BENEFITSWhat lounge access benefits does SBI Card PULSE provide?
SBI Card PULSE offers 4 complimentary domestic lounge visits per year, restricted to 1 visit per quarter. Additionally, cardholders receive a complimentary Priority Pass Membership worth US $99 for the first two years of cardholder membership. However, please note that the Priority Pass membership does not include any complimentary international lounge visits — only the membership itself is complimentary.
BENEFITSWhat milestone benefits can I earn with SBI Card PULSE?
SBI Card PULSE offers two milestone benefits: First, your annual renewal fee is waived if you spend ₹2,00,000 or more in the previous year. Second, you receive a ₹1,500 e-voucher upon achieving retail spends of ₹4,00,000 in a year. These milestones reward consistent spending and help you get more value from your card.
BENEFITSWhat insurance covers are available on SBI Card PULSE?
SBI Card PULSE provides a Fraud Liability Insurance Cover of ₹1 lakh, valid for 48 hours prior to reporting card loss up to 7 days post-reporting. Travel insurance covers include loss of check-in baggage up to ₹72,000 (1,000 USD), baggage delay cover of ₹7,500, loss of travel documents up to ₹12,500, and flight delay cover up to ₹7,500. Please note that the complimentary Air Accident Insurance of ₹50 lakhs has been discontinued effective 15 July 2025.
BENEFITSIs there a fuel surcharge waiver on SBI Card PULSE?
Yes, SBI Card PULSE offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at fuel stations. However, the maximum surcharge waiver is capped at ₹250 per statement cycle per credit card account. Transactions outside this range will not be eligible for the surcharge waiver.
USAGEHow can I redeem my reward points on SBI Card PULSE?
You can redeem your SBI Card PULSE reward points in two primary ways: (1) Use them to pay your outstanding card balance, where 4 Reward Points = ₹1, or (2) Redeem them against a wide array of gifts and products from the SBI Card Rewards Catalogue available on sbicard.com. Log in to your SBI Card account online to initiate redemption.
USAGECan I convert large purchases into EMIs with SBI Card PULSE?
Yes, SBI Card PULSE offers the Flexipay facility, which allows you to convert transactions of ₹2,500 or more into easy monthly installments. To avail this, simply log onto sbicard.com within 30 days of the purchase and opt for Flexipay. Additionally, you can transfer outstanding balances from other banks' credit cards via the Balance Transfer on EMI facility to benefit from lower interest rates.
APPLICATIONHow do I apply for SBI Card PULSE?
You can apply for SBI Card PULSE online by visiting the SBI Card official website at sbicard.com and clicking on 'Apply Now'. You can also track your application status through the 'Track my Application' section on the website. For assistance, you can call the SBI Card helpline at 1860 180 1290 or 39 02 02 02 (prefix local STD code).
USAGEDoes SBI Card PULSE support contactless payments?
Yes, SBI Card PULSE supports contactless payments via VISA PayWave technology. You can simply tap your card at a secure contactless reader to complete transactions quickly without handing over your card. The VISA PayWave security feature ensures that even if the card is tapped multiple times, only one transaction is processed, making it safe and convenient for everyday purchases.
BENEFITSCan I add family members to my SBI Card PULSE account?
Yes, SBI Card PULSE allows you to get add-on cards for your family members, including parents, spouse, children, or siblings above the age of 18. The add-on card annual fee is nil, meaning there is no additional charge for add-on cards. This allows your family members to enjoy the card's benefits while all spends are billed to your primary account.
USAGEWhat network does SBI Card PULSE run on and where can I use it?
SBI Card PULSE operates on the VISA network, giving you worldwide acceptance at over 24 million outlets globally, including 3,25,000 outlets in India. You can use the card at any merchant that accepts VISA payments. Additionally, you can withdraw cash from over 1 million VISA ATMs across the globe using your SBI Card PULSE.
OTHERHow do I report a lost or stolen SBI Card PULSE?
If your SBI Card PULSE is lost or stolen, report it immediately by calling the SBI Card helpline at 1860 180 1290 or 39 02 02 02 (prefix your local STD code). The complimentary Fraud Liability Cover of ₹1 lakh covers unauthorized transactions made 48 hours before reporting the loss up to 7 days after reporting. Prompt reporting is essential to maximize your fraud protection coverage.

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