SBI Card PULSE
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SBI Card

SBI Card PULSE

Visa
Regular

Your rating

Community rating

Best for Health-conscious users — 10X on pharmacy & fitness + lounge access

Joining Fee

₹1,499

Annual Fee

₹1,499

Reward Rate

0.25% – 2.5%

Forex Markup

3.5%

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

Key Benefits

Complimentary Noise ColorFit Pulse smartwatch worth up to ₹4,999 as welcome benefit
2 Reward Points per ₹100 on dining, movies, groceries & department store spends
1 Reward Point per ₹100 on other eligible retail spends
8 complimentary domestic airport lounge visits per year (max 2 per quarter)
Complimentary Priority Pass membership for international lounge access program enrollment
Up to ₹5,000 annual Netmeds benefits including discounts and memberships
Annual fee waiver on ₹2 lakh annual spends
1% fuel surcharge waiver on ₹500–₹4,000 fuel transactions
Contactless tap-to-pay enabled

Rewards

How you earn back on every swipe

points

Reward type

0.25% – 2.5%

Earn rate

2

Points / ₹100

₹0.25

Per point

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹1,499
Annual fee₹1,499
Fee waiver on annual spend₹2,00,000
Interest-free period50 days
Interest rate (APR)29.97% – 42%
Late payment fee (max)₹1,300
Cash advance fee2.5% (min ₹500)
Forex markup3.5%
Fuel surcharge waiverYes (₹500–₹4000)

Travel & Lounge Access

Airport perks included with this card

2 per quarter

Domestic lounge visits

0 per year

International lounge visits

Things to Keep in Mind

  • No reward points on fuel, EMI, cash advances, utility payments, government transactions

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65
CIBIL score700+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Strong wellness and lifestyle-focused card
  • Welcome smartwatch provides good first-year value
  • Good domestic lounge access for the fee segment
  • Netmeds benefits useful for healthcare and pharmacy spending
  • Reasonable annual fee waiver milestone
  • Good beginner-friendly premium lifestyle card
  • Useful entertainment and dining category rewards
Cons
  • Reward redemption value is relatively average
  • International lounge access benefits are limited
  • Forex markup is high for international spending
  • Base reward rate outside bonus categories is weak
  • Best value depends heavily on welcome and partner benefits
  • Reward exclusions apply on fuel, EMI, wallet loads, and rent
  • Limited premium travel benefits compared to travel-focused cards

Who is this card for?

Health-conscious professionals who spend significantly on medicines, gym memberships, diagnostics, and wellness. Also good for regular diners who want lounge access.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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