Talk to Expert
Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
SBI Card PULSE
Rewards
1st Year Fee: ₹1,499* Plus Applicable Taxes
Rewards
5X rewards on chemist, pharmacies & more
Memberships
FITPASS PRO & Netmeds membership
Lounge Access
2 domestic lounge visits every quarter
Find Best Credit Card Offers
It hardly takes 2 minutes
+91
0 /10 Digits
Don't worry, this will not affect your credit score
The entered number doesn't seem to be correct
About SBI PULSE Credit Card
SBI Card Pulse is among the few health-focused credit cards in India. Cardholders get accelerated value-back on transactions made at chemists and pharmacies, along with complimentary memberships to FITPASS PRO and Netmeds. The card also offers Noise ColorFit Pulse 2 Max Smartwatch as activation benefit. In addition to benefits on health and wellness, SBI Card Pulse also extends benefits on other lifestyle categories like dining and movies.
However, the reward rate on this card is quite low, particularly reducing its value for spends made outside the bonus categories. Even on wellness spends, consumers could get better value through general cashback or rewards credit cards. Here is all you need to know about SBI Card Pulse and where it stands in the list of other rewards/cashback credit cards.
Also Check: Best Health & Wellness Credit Cards
SBI PULSE Credit Card: Health & Wellness Benefits
Cardholders can avail the following benefits on their health and wellness spends:
- Memberships: Complimentary FITPASS PRO and Netmeds membership auto-renewed with card renewal
- Accelerated Rewards: 10 reward points for every Rs. 100 spent on chemists and pharmacies
- Welcome Benefit: Noise ColorFit Pulse 2 Max Smartwatch on card activation
- Milestone Benefits: Netmeds vouchers worth Rs. 1,500 on annual spends of Rs. 4 lakh
SBI PULSE Credit Card: Other Lifestyle Benefits
Apart from health and wellness benefits, SBI Card Pulse also offers the following benefits:
Rewards Program
- 10 reward points for every Rs. 100 spent on dining and movies
- 2 reward points for every Rs. 100 spent on all other purchases
- Value of 1 reward point = Rs. 0.25
Lounge Access
- 8 complimentary domestic lounge access visits in a year (2 per quarter)
- Priority Pass Lounge Membership worth USD 99
Also Check: Best Lounge Access Credit Cards
SBI PULSE Credit Card: Fee & Charges
| Fee Type | Amount | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 1,499 | ||||||||||||
| Annual Fee | Rs. 1,499 | ||||||||||||
| Finance Charge | 3.50% per month | ||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You are looking for complimentary health and wellness benefits
You own another credit card with benefits around other lifestyle categories
You can spend around Rs. 4 Lakh with the card to maximize the spend-based benefits
Consider other options if:
You want an all-rounder credit card
You do not want to pay an annual fee of Rs. 1,499
You already avail complimentary health benefits
Paisabazaar Review
What do we like about this card?
The card comes with a joining fee of Rs. 1,499 but compensates for it by offering a smartwatch worth Rs. 5,999 on joining. Unlike most credit cards that offer memberships or service-based benefits, here consumers earn a complimentary product, thus a long-term benefit. For health-oriented benefits, the card offers Netmeds and FITPASS PRO Membership, along with accelerated rewards on chemists and pharmacy spends.
Pros
- Low annual fee waiver criteria
- Accelerated rewards on multiple spend categories
- Welcome benefit worth more the joining fee
- Complimentary memberships are auto-renewed every year
- Lounge access is not spend-based
Cons
- Slightly high annual fee
- Low redemption value
- No medical insurance cover
- Milestone spending threshold is high
Conclusion
SBI Card PULSE is a health-focused credit card that mostly covers the wellness category of spends. However, it misses on an important aspect in this area: complimentary health coverage or insurance. Additionally, even though it offers benefits on other lifestyle categories or a decent welcome benefit, these cannot be a deciding factor to own the card. The lifestyle benefits are basic due to a low reward rate, plus the welcome benefit is a one-time deal. Having said that, consumers who have to spend a significant amount on medicines can make the most of its rewards program. However, this card is not suited for people looking for lifestyle benefits or an all-rounder card.
Frequently Asked Questions
Everything you need to know about this credit card
SBI PULSE Credit Card comes with a joining fee of Rs. 1,499 plus applicable taxes.
Yes, SBI PULSE Credit Card offers 8 complimentary domestic lounge access visits in a year and a complimentary Priority Pass Lounge Membership worth USD 99.
SBI SimplyCLICK Credit Card is tailored for online shopping, offering higher rewards on e-commerce spends, while SBI PULSE Credit Card is designed for everyday spending, providing rewards on daily transactions like movies, dining and more.
Footnotes
- Exclusions from rewards program: Balance transfers, balance Transfer on EMIs, cash advances (domestic), finance charges, disputed transactions, encash, ATM Withdrawals, Dial a Draft, any purchases at petrol pumps/service stations, E wallet loading transactions, Flexipay Transactions and Merchant EMI.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
