About SBI Bank Pulse Credit Card
SBI Card Pulse is one of the healthcare-focused credit cards in India, designed for users who want benefits on health and wellness spends. This SBI credit card offers accelerated rewards on pharmacy and chemist transactions, along with complimentary memberships like FITPASS PRO and Netmeds. It also comes with a Noise ColorFit Pulse 2 Max smartwatch as an activation benefit.
Apart from healthcare, the card also provides benefits across lifestyle categories like dining and movies, making it a multi-purpose option. However, the reward rate is relatively low, especially on spends outside the bonus categories.
Even for wellness-related expenses, users may find better value with general cashback or rewards cards. Overall, it is suitable for users focused on health benefits but may not be the best choice for maximizing overall rewards.
Also Read: Best Credit Cards in India 2026
The SBI Card Pulse is a fitness-focused credit card offering health memberships, lounge access, and high rewards on pharmacy, dining, and movies. Ideal for active users who can spend ₹2–4 lakh annually to maximize benefits.
SBI Bank Pulse Credit Card Rewards Program
Other Features and Benefits
Health & Wellness Benefits
- Get complimentary FITPASS PRO and Netmeds membership with auto-renewal
- Earn 10 reward points per ₹100 on chemist and pharmacy spends
- Get Noise ColorFit Pulse 4 Pro Smartwatch worth ₹7,999 on activation
- Get Netmeds voucher worth ₹1,500 on ₹4 lakh annual spends
Also Check: Best Health & Wellness Credit Cards
Lounge Access
- Get 8 complimentary domestic lounge visits per year (2 per quarter)
- Enjoy Priority Pass membership
Fee Waiver
- Annual fee waived on spends of ₹2 lakh in a year
Fuel Benefit
- Get 1% fuel surcharge waiver up to ₹250 per cycle
Also Read: Best Fuel Credit Cards
Insurance Benefits
- Fraud liability cover up to ₹1 lakh
- Air accident cover up to ₹50 lakh
- Baggage loss cover up to ₹72,000
- Baggage delay cover up to ₹7,500
- Travel document loss cover up to ₹12,500
Fees and Charges
| Fee Type | Charge |
|---|
| Annual Fee | Rs.1,499 + taxes |
| Renewal Fee | Rs. 1,499 + taxes |
| Add-on Fee | Nil |
| Cash Advance Fee | 2.5% of the amount withdrawn or Rs.500 (Domestic and international ATMs) |
| Finance Charges | 3.75% per month or 45% per annum |
| Payment dishonor fee | 2% of the payment amount; minimum of Rs.450 |
| Statement request | Rs.100 per statement (more than 2 months old) |
| Cash payment fee | Rs.199 to Rs.250 |
| Late payment | From Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300. |
| Cheque payment fee | Rs.100 |
| Over limit fee | 2.5% of the over limit amount; minimum of Rs.600 |
| Rewards redemption fee | Rs.99 |
| Foreign currency transaction | 3.50% |
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Document Required For SBI Bank Pulse Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
SBI Bank Pulse Credit Card Highlights
What do we like about this card?
- Free Smartwatch: Get a Noise ColorFit Pulse Smartwatch worth ₹4,999 on joining.
- Health Memberships: Enjoy 1-year free access to NetMeds and FITPASS PRO.
- Reward Points: Earn 10 points per ₹100 on pharmacy, dining, and entertainment spends.
- Lounge Access: Get 8 free domestic airport lounge visits per year (2 per quarter).
- Annual Fee Waiver: No renewal fee if you spend ₹2 lakh in a year.
- Insurance Cover: Get ₹1 lakh fraud protection and ₹50 lakh air accident cover.
Things to Know Before you apply
Get this card if:
- You want free health & wellness memberships like FITPASS PRO and Netmeds.
- You already have another card for shopping, travel, or dining benefits.
- You can spend ₹4 lakh/year to get the maximum rewards and vouchers.
Pros
- Easy annual fee waiver (spend ₹2 lakh/year)
- Extra reward points on pharmacy, dining & entertainment
- Free smartwatch as welcome gift (worth more than joining fee)
- Free health memberships renewed every year
- Free lounge access not linked to spend
Cons
- Annual fee is slightly high (₹1,499)
- Reward point value is low (₹0.25 per point)
- No medical insurance coverage
- High spend required (₹4 lakh) to get milestone voucher
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
- Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
- Simply SMS: Send an SMS to 5676791 from your registered mobile number
For Further Support: Contact SBI Customer Care Center
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Frequently Asked Questions
The joining and annual membership fee for the SBI Pulse Card is ₹1,499 Plus Applicable Taxes.
It is a fitness-focused credit card offering benefits like FITPASS PRO membership, Netmeds First membership, and other perks designed for fitness enthusiasts.
Yes,with this card you get 8 complimentary domestic airport lounge visits every year.
FITPASS PRO membership allows access to fitness centers and gyms. You can enjoy up to 12 sessions per month. Access requires prior reservations through the FITPASS mobile app.
Yes, the SBI Pulse Card is accepted globally at over 24 million outlets.
Contactless transactions are allowed up to ₹5,000 without entering a PIN. For payments above ₹5,000, you must swipe the card.
Yes, late payment charges range from ₹400 to ₹1,300, based on the total due amount.
If you have an active Netmeds First Membership, you can redeem the SBI Pulse Card voucher after your current membership expires.
