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    SBI PULSE Credit Card

    cat name Reward Points
    3.0/5.0

    Rewards3.0/5

    Welcome Benefits3.5/5

    Lifestyle Benefits3.0/5

    Milestone Benefits2.5/5

    Know More
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    1st Year Fee: ₹1,499* Plus Applicable Taxes

    Rewards

    Rewards

    5X rewards on chemist, pharmacies & more

    Memberships

    Memberships

    FITPASS PRO & Netmeds membership

    Lounge Access

    Lounge Access

    2 domestic lounge visits every quarter

    Updated on April 29, 2025 5:15 pm

    Author: Megha Khanna

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    About The CardHealth & Wellness BenefitsOther BenefitsSavings CalculatorFee & ChargesThings to KnowCard ReviewFAQs

    About SBI Card PULSE

    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

    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
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    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

    View More

    Savings Calculator

    ₹

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    If you spend upto ₹0/yr

    Spend Rewards₹0

    Milestone Benefits₹0

    You save₹0

    ₹1,499 Plus Applicable Taxes

    NA

    ₹1,499 Plus Applicable Taxes

    Waived off on spending Rs. 2 Lakh

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    SBI Card PULSE: Fee & Charges

    Fee Type Amount
    Joining Fee Rs. 1,499
    Annual Fee Rs. 1,499
    Finance Charge 3.50% per month
    Late Payment Charges
    Less than Rs. 500 Nil
    Rs. 500 – Rs. 1000 Rs. 400
    Rs. 1000 – Rs. 10000 Rs. 750
    Rs. 10000 – Rs. 25000 Rs. 950
    Rs. 25000 – Rs. 50000 Rs. 1100
    More than Rs. 50000 Rs. 1300

    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

    Overall Rating

    3.0/5

    Rewards3.0/5

    Welcome Benefits3.5/5

    Lifestyle Benefits3.0/5

    Milestone Benefits2.5/5

    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 Noise ColorFit Pulse 4 Pro Smart Watch voucher worth Rs. 7,999 as a welcome gift. You can get this voucher within 21 working days of eligibility calculation, i.e. card joining fee payment, through email or SMS. You can click on the link shared and redeem the voucher by entering its code and other details where required.

    The credit limit assigned to the SBI Pulse cardholders can vary as per the individual eligibility, income, credit history and credit score, along with other internal policies. The cardholders can check their limit in the card welcome kit or by logging in to the card account.

    SBI Card Pulse comes with complimentary memberships to FITPASS PRO and Netmeds, along with Noise ColorFit Pulse 4 Pro Smart Watch as joining benefit. It offers up to 20 reward points per Rs. 10 spent and a Rs. 1,500 voucher on reaching Rs. 4 lakh annual spends. It also provides Priority Pass membership and up to 8 free domestic airport lounge visits every year. Refer to the page above for detailed card benefits.

    Yes, you can withdraw cash using SBI Pulse credit card, however credit card cash withdrawals come with high interest charges applicable from the date of withdrawal itself, along with a one-time withdrawal fee. These charges can pile up quickly and make it difficult to repay on time, thus increasing the risk of getting debt trapped. So, it is advisable to avoid credit card cash withdrawals.

    You can activate your card online by logging into your SBI Card account through the official SBI Card website. Enter your username and password to log in and select the card activation option under the ‘Requests’ section. Then enter your card details and click on the ‘Activate’ button. You may also call SBI Card helpline number for assistance.

    Yes, SBI Card Pulse can be used in over 24 million outlets across the world.

    In this case, you can redeem the voucher after your existing membership expires.

    With SBI Pulse Card, you get a maximum of 12 sessions per month.

    You will have to make a prior reservation using the FITPASS mobile application.

    You can close your SBI Pulse credit card account either by calling the SBi Card helpline on 1860 500 1290 , 1860 180 1290 or 1800 180 1290 (Toll Free) or by sending a written request online on customercare@sbicard.com. However, cardholders must make sure to pay all the card dues beforehand to avoid any negative impact on their credit profile.

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    Footnotes

    1. 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 linkedIn icon

    Content Writer

    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.

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