SBI Bank Pulse Credit Card
State bank of india State bank of india

SBI Bank Pulse Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/fuel.svg Fuel
/assest/image/icons/rewards.svg Reward Points
MyBankingTips Rating

Joining Fee: ₹1499* Plus Applicable Taxes

Renewal Fee: ₹1499*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Fuel Fuel
Reward Points Reward Points
MyBankingTips Rating

Joining Fee: ₹1499* + Tax

Renewal Fee: ₹1499* + Tax

Welcome benefits:- Get Exclusive Benefits Worth ₹7,999 with Noise ColorFit Pulse 4 Pro Smartwatch

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About SBI Bank Pulse Credit Card

SBI Card Pulse, launched by the State Bank of India, is a fitness-focused credit card designed for individuals with an active lifestyle. With an annual fee of ₹1,499, it offers a mix of health and wellness benefits, reward points on spending, an annual fee waiver on high spends, and more lifestyle benefits. SBI Card Pulse is a unique health-focused credit card that offers extra value on pharmacy and chemist spends. It comes with free memberships to FITPASS PRO and Netmeds, and a Noise ColorFit Pulse 2 Max Smartwatch as an activation gift. The card also includes benefits on dining and movies, adding lifestyle value.

However, the reward rate is low for most categories, making it less valuable for general spending. For broader or higher returns, users may find better options with standard rewards or cashback credit cards.

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

Rewards Program (SBI Card Pulse)

  • 10 reward points for every ₹100 spent on dining and movies
  • 2 reward points for every ₹100 spent on other purchases
  • 1 reward point = ₹0.25

Milestone Benefit:

  • Get Netmeds vouchers worth ₹1,500 when you spend ₹4 lakh in a year.

Other Features and Benefits

  • Welcome Gift: Get a Noise ColorFit Pulse 2 Max Smartwatch on card activation.
  • Free Memberships: Complimentary FITPASS PRO and Netmeds membership, renewed every year with card renewal.
  • Extra Rewards: 10 reward points for every ₹100 spent at chemists and pharmacies.
  • Lounge Access: 8 free domestic airport lounge visits per year (2 per quarter).
  • Priority Pass: Free Priority Pass Membership worth USD 99 (lounge visits are chargeable).
  • Annual Fee Waiver: Spend ₹2 lakh in a year to waive next year’s annual fee.
  • Fuel Benefit: 1% fuel surcharge waiver (up to ₹250 per billing cycle) on transactions between ₹500 and ₹4,000.
  • Insurance Cover: Fraud protection up to ₹1 lakh and air accident cover up to ₹50 lakh.

Fees and Charges

Fee TypeCharge
Annual FeeRs.1,499 + taxes
Renewal FeeRs. 1,499 + taxes
Add-on FeeNil
Cash Advance Fee2.5% of the amount withdrawn or Rs.500 (Domestic and international ATMs)
Finance Charges3.75% per month or 45% per annum
Payment dishonor fee2% of the payment amount; minimum of Rs.450
Statement requestRs.100 per statement (more than 2 months old)
Cash payment feeRs.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 feeRs.100
Over limit fee2.5% of the over limit amount; minimum of Rs.600
Rewards redemption feeRs.99
Foreign currency transaction3.50%

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.

Eligibility Criteria

📌Age: 21 to 70 years

📌Occupation: Salaried or Self Employed

📌Credit Sore: The applicant should have a good credit score.

Document Required For SBI Bank Pulse Credit Card

Proof of identity: - PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID

Proof of Address: - Aadhaar card, Driver’s License, Passport

Proof of Income:- Latest 3 salary slips and last 3 months’ bank statement.

SBI Bank Pulse Credit Card Hilights

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.

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.

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