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 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| Cash Advance Fee | 2.5% of the amount withdrawn or Rs.500 (Domestic and international ATMs) |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
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.
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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.
