SBI Card PULSE
Issuer Regulated by RBI
SBI Card logo
SBI Card

SBI Card PULSE

The SBI Card PULSE is India's first health-focused credit card.

Visa
Regular
71
Overall CardCheck ScoreVery Good

Travel & Lounge Fit Score

82/100

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

2 pts/₹100 · ₹0.25/pt

Forex Markup

3.5%

Community
(0)
Your Rating

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Reward Power

24/35

Fee Value & ROI

20/25

Lounge & Perks

15/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category
Travel & Lounge
82/100
Premium Privileges
74/100
Online Shopping
72/100
Dining & Food
70/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

SBI Card PULSE 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

SBI Card PULSE Rewards

How you earn back on every swipe

Point Formula: 2 pts / ₹100 spent · 1 pt = ₹0.25
0.5% Base Return

points

Reward type

0.25% – 2.5%

Earn rate

2

Points / ₹100

₹0.25

Per point

SBI Card PULSE Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

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)

SBI Card PULSE 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

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹2,00,000/yr
₹16,667/mo
Presets:
Annual Fee 100% Waived₹2,00,004 / ₹2,00,000

🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹1,499 fee drops to ₹0.

Est. Base Rewards+₹500@0.25% base rate
Effective Fee₹0 (Waived)100% saved
Net Annual Value+₹500rewards vs fee
*Estimated using standard base rate (0.25%). Excludes monthly-capped accelerated partner multipliers.Detailed Rewards Calculator →

Tips & reviews

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

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SBI Card PULSE Eligibility

Age21+ yrs – 65
CIBIL score
700+

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

Data last updated 14 Aug 2026

All SBI Card credit cards →Best Reward CardsCards with Lounge AccessBest Travel CardsBest Fuel Cards
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Calculate your exact earnings with SBI Card PULSE

Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.

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