SBI CardSBI Card PULSE
The SBI Card PULSE is India's first health-focused credit card.
Top Category Performance
Travel & Lounge (82/100)
Joining Fee
₹1,499
Annual Fee
₹1,499
Reward Rate (%)
0.25 – 2.5
Forex Markup
3.5%
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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
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring 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
SBI Card PULSE Rewards
How you earn back on every swipe
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 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.
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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹1,499 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
SBI Card PULSE Eligibility
Employment type
Pros & Cons
- 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
- 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
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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 guaranteed net return after annual fees.