Synopsis: Amidst the numerous types of credit card available in the market currently, SBI Card Pulse is one of the unique ones that stands out. This fitness card offers benefits that are closely aligned with those who lead an active lifestyle.
Credit cards today are a mix of various lifestyle needs. Gone are the days when cashback and rewards were the sole driving force. The newer generation users demand cards that deliver specific lifestyle benefits. SBI Card PULSE is one such offering that is aimed at customers who prioritize health and active living.
SBI Card PULSE Credit Card
- Joining Fees: ₹1,499 + applicable tax
- Annual Fees: ₹1,499 + applicable tax
- Card Type: Rewards
Fees & Charges
- Interest Rate (APR): Up to 3.75% per month (45% per annum)
- Late Payment Fee: Ranges from ₹0 to ₹1,300 depending on outstanding amount
- Foreign Currency Markup: 3.5% + applicable taxes
Welcome Benefits
- The user gets a welcome voucher for Noise ColorFit Pulse 4 Pro Smart Watch that is worth ₹ 7999. (Welcome benefits may vary based on ongoing SBI Card offers)
Airport Lounge & Priority Pass
- Complimentary 4 domestic airport lounge access (capped at 1 per quarter)
- Bonus of Priority Pass Membership as complimentary worth US $99 for initial two years of cardholder membership
Insurance & Protection
- Loss of check in baggage insurance cover of up to ₹72,000
- Delay of check in baggage insurance cover of up to ₹7,500
- Loss of travel documents insurance cover of up to ₹12,500
- Insurance cover for Delay in flight is up to ₹7,500
- Credit card Fraud Liability Cover of ₹1 lakh
Fuel Surcharge Waiver
- 1% Fuel Surcharge waiver for every transaction from ₹500 to ₹4,000. (capped at ₹250 per statement cycle)
Health Benefits
- 1 year complimentary FITPASS PRO Membership. It shall be received every year upon renewal
- 1 year complimentary Netmeds First Membership. It shall be received every year upon renewal
Also Read: HSBC Live+ Credit Card Review 2026: Is It the Best Cashback Card for Dining and Food Delivery?
Milestone Benefits
- Annual fee waiver on hitting the milestone of annual spends of ₹2 Lakhs
- ₹500 worth E-Voucher on reaching annual retails spends of ₹4 Lakhs
Reward Structure
- 10 Reward Points per ₹100 spent on fitness, dining, movies, and online shopping
- 2 Reward Points per ₹100 spent on other categories
- (Fuel transactions earn rewards subject to standard exclusions)
Example: Let’s say you spend ₹20,000 in a month. Now, suppose you spent ₹10,000 on dining and online shopping that earned you 1,000 Reward Points. The other ₹10,000 you spend on regular expenses that earned you 200 Reward Points. At the end you get a total value of 1,200 Reward Points.
Redemption Process
- The rewarded points are credited to your SBI Card account monthly.
- 1 Reward Point = ₹0.25 (may varies by redemption category)
- The reward points shall be valid for 24 months
Redemption options include:
- SBI Card rewards catalogue
- Gift vouchers
- Travel bookings
- Statement credit (subject to terms)
Who Should Get This Card?
- Individuals who regularly spend on fitness and lifestyle modes
- Those who can comfortably meet the annual spend requirement
- Users looking for a balance between rewards and lifestyle privileges
Conclusion
SBI Card PULSE is one of those cards which is not known by many yet provides various benefits that are focused on health and wellness. The fees are on the higher side compared to other entry-level cards.
However, it is valuable for users who actively use fitness memberships and travel perks. If your spending aligns with its reward categories and you can hit the annual milestone then SBI Card PULSE can be a rewarding addition to your wallet.
FAQs
No, it is a reward lifestyle credit card.
They are complementary as part of the welcome benefits.
Yes. On an annual spend of ₹2 lakh or more.
The card primarily offers domestic lounge access.
It offers basic travel perks but frequent international travelers may find better options with lower forex markup.
Written by Kenbi Riba
