Features
- Get a Noise ColorFit Pulse Smart Watch worth Rs. 4,999 on payment of Joining Fee
Welcome benefits
- Earn 10 Reward Points per Rs.100 spent on Chemist, Pharmacy, Dining and Movies
- Earn 2 Reward Points per Rs.100 spent on all other spends
- Get Rs.1500 voucher on spending Rs. 4 Lakhs in a year
- 8 Complimentary Domestic Lounge visits a year capped at 2 per quarter
- Enjoy 1 year free FITPASS PRO and free Netmeds memberships
- 1 Reward Point = Rs. 0.25
Cashbacks & Rewards
Pricing
- Joining Fees Rs. 1499
- Annual fees Rs. 1499 (Waived on annual spends of Rs. 2 Lakh)
Documents Required
- 2 passport size color photos
- AID Proof(any one) - passport, drivers license, voters ID, PAN, Aadhaar card
- Address Proof (any one)- Passport, drivers license, voters ID, Aadhaar card, Electricity bill, Telephone bill, Postpaid mobile phone bill, Bank account/Post Office savings bank account statement
- Salaried - Latest 3 Months salary slip (or) Last 3 months' bank statements
- Self-employed - Last year ITR along with Bank Statement for last 3 months and Form 16
You don't need a genie when you've got SBI Credit Card!
Fulfill all your wishes
Get cashbacks
Flexipay EMI
Encash facility
Contactless payments
SBI Card PULSE
SBI Card Pulse offers access to several memberships for those who are health-conscious and want to make better lifestyle choices. It is a fitness-focused credit card with immense benefits for people with a healthy and active lifestyle. Read on more to know the benefits, offers, and charges.How to Apply for SBI Credit Card on CreditMantri.com
Quick Links To Handle Your SBI Credit Card
There are various procedures associated with the State Bank credit card. Here are some quick links to handle your State Bank credit card
Important features and benefits - What makes this card exciting?
- Noise ColorFit Pulse Smart Watch worth Rs. 4,999 as a welcome gift
- Complimentary FITPass PRO membership for a year
- Complimentary NetMeds First membership for a year
- 10 reward points for every Rs. 100 spent on dining, entertainment, and pharmacy
- Exciting reward catalog to redeem your reward points from brands like Westside, Mac, Nike, and many more
- Comprehensive Insurance cover that includes Fraud Insurance cover and Air accident for up to Rs.50 lakhs
- Complimentary visits to the domestic airport lounge up to 8 times a year (no more than 2 each quarter)
Benefits and Key offers from SBI Card PULSE
Type of Benefit | Benefit | Condition |
|---|---|---|
Welcome gift | Noise ColorFit Pulse Smartwatch worth Rs. 4,999 | Upon payment of the joining fee e-voucher Sent within 45 days |
Health Benefits | 1) Complimentary 1-year FITPass PRO membership 2) Complimentary 1-year NedMeds First membership | 1) Only upon payment of joining fees 2) To be renewed every year with the card renewal 3) Minimum one retail transaction to be carried out |
Reward Points | 1) Dining, pharmacy, movie, and chemist spend earn 10 reward points for every Rs. 100 spent 2) 2 reward points on every Rs. 100 spend for all 3) Pay your credit card outstanding with a reward points. 4 reward points = Re 1 | - |
Milestone Benefits | 1) Waiver of renewal fee worth Rs. 1,499 1) On annual spending of Rs. 2 lakhs | 2) Get an e-voucher worth Rs. 1,500 2) On annual spending of Rs. 4 lakhs |
Insurance Cover | 1) Fraud liability insurance cover up to Rs. 1 lakh 2) Air accident cover of up to Rs. 50 lakhs | 1) Cardholder to immediately block the card 2) Loss of check-in baggage up to Rs. 72,000 3) Delay in receiving check-in baggage up to Rs. 7,500 4) Cover for baggage damage up to Rs. 5000 5) Loss of travel documents Rs. 12,500 |
Lounge Benefits | 1) 8 complimentary lounge visits to domestic airport 2) Complimentary Priority Pass Membership worth $99for the first two years | 1) Restricted to 2 per quarter |
Eligibility Criteria
Parameter | Criteria |
|---|---|
Income | An annual income of Rs. 2 lakhs and above |
Age | Minimum 21 years and maximum 60 years |
Residency | Should be an Indian resident |
Documents needed for application
Type of proof | Document accepted |
|---|---|
Address Proof | Aadhaar card or electricity bill |
Identity Proof | Passport, Pan card, Aadhaar card |
Income proof Filled out and signed application form Passport size photographs | Last 3-month salary slip, bank records |
Charges and Fees for SBI Pulse Card
Type of charge/fees | Charge/fees | Notes |
|---|---|---|
Annual fee | Rs.1,499 + taxes | - |
Renewal fee | Rs.1,499 + taxes | Renewal fee reversed on spends of Rs. 2 lakh and above |
Cash Advance fee | 2.5% or Rs.500 (whichever is higher) for both domestic and international ATMs | - |
Cash Payment Fee | Rs. 250 + taxes | - |
Interest-Free Grace period | 20 to 50 days | - |
Finance charges | 3.5% per month (42% annually) | - |
Late Payment charges | Based on the outstanding amount - 1. NIL between Rs.0 - Rs.500 2. Rs. 400 between Rs. 500 - Rs. 1,000 3. Rs. 750 between Rs. 1,000 - Rs. 10,000 4. Rs. 950 between Rs. 10,000 - Rs. 25,000 5. Rs. 1,100 between Rs. 25,000 - Rs. 50,000 6. Rs. 1300 for amounts greater than Rs. 50,000 | Additional Rs. 100 on missing the Minimum Amount Due by the due date for two consecutive cycles |
Overlimit fees | 2.5% or Rs. 600 (whichever is higher) | - |
Payment Dishonor | 2% or Rs. 500 (whichever is higher) | - |
Rewards redemption fee | Rs. 99 | On gifts, cash, and vouchers |
Card Replacement | Rs. 100- Rs. 250 | - |
Credit limit increase fee | Rs. 200 | - |
Network Change Fee | Rs. 200 | - |
Cheque payment fee | Rs. 100 | - |
Forex transaction fee | 3.5 % and 1.99 % | depending on the card |
Reward Points redemption
Their rewards catalog includes a wide range of brands to redeem your points for. Some of the categories include –
- Accessories like Clinique, Puma, Bvlgari, and MAC
- Apparel and superstore – Westside, shoppers stop, Bata
- Electronics like JBL, Philips, Wonder chef, Nirlep, etc.
- Books - India Today, Cosmopolitan, Harper's Bazaar
- Entertainment and Dining – amazon prime, boat,
- Health and Fitness – Omron, Fitpass, Nike
- Homeware – Whirlpool, Bajaj, Nirlep
- Lifestyle – Tommy Hilfiger, Fossil, Puma
- Luxury - Clinique, PC Jewellers, Kalyan Jewellers, Tanishq
- Travel and holiday – Wildcraft, Swiss Military, yatra
Other facilities offered by SBI Pulse Card
1. Fuel Surcharge Waiver
Each transaction between Rs. 500 to Rs. 4,000 earns you a 1% fuel surcharge waiver. The maximum waiver that you can enjoy is Rs. 250 per statement cycle.2. Contactless Advantage
- Complete your purchases with a simple tap at a secure machine to transact.
- Eliminates the need to exchange or hand over your card for every transaction.
- The card has a unique security key feature of VISA PayWave makes sure your card is safe and secure even after multiple transactions. The contactless transaction minimizes the risk of loss of your card or the chances of fraud being incurred.
3. Worldwide Acceptance of the card
- The card can be used in a whopping total of 24 million outlets across the world, 3,25,000 of which are within India. This wide acceptance of the card makes it a very usable and convenient option.
- Any outlet that accepts VISA will also accept this card.
4. Add-on cards
You can request add-on cards for your family – parents, spouse, children, or siblings. The only requirement is age, which should be above 18 years5. Cash on the go
Convenience of withdrawing cash from 1 million VISA ATMs across the globe.6. Utility bill payment facility
The easy bill payment facility on this card enables you to pay your utility bills like electricity, mobile, telephone, and any other utility bill.7. Flexipay
- For any purchase equal to or more than Rs. 2,500, you can login to SBI’s official website and convert your payments to easy monthly installments within 30 days of purchase.
- You can choose to replay within a period of 3, 6, 9, 12, 18, and 24 months
- Attractive interest rates as low as 1% and subject to a maximum of Rs. 2,000.
- A 3% cancellation fee is levied on the outstanding balance for cancellation of the Flexipay option.
8. Balance Transfer on EMI
The card offers the option to transfer the balance from other cards and avail of a lower interest rate.9. Easy Money
Get a draft or cheque delivered to your doorstep with easy money.With the above exciting offers available, SBI Card PULSE is a great option for fitness and health-conscious enthusiasts.
How to apply to the SBI Card PULSE?
The application process for the SBI Card Pulse is both online and offline. Let’s look at both separately.Application for SBI card PULSE via CreditMantri
- Click on “Check Eligibility”
- Fill in details like Email ID, Mobile Number, Residence city, Employment type, Residence Pincode, and any other loan information.
- Click on “Submit”
- Enter the OTP received on the registered mobile number.
- Check View Eligible offers and apply
The online application process for the SBI Card PULSE
- Go to the SBI official and click on “Apply”.
- Look for SBI Card PULSE and click on “Apply Now”.
- Next, click on “Start Apply Journey”
- Fill in your Personal, professional, and KYC details and proceed further to complete the application
- Note – keep the soft copy of all needed documents handy for a smooth and quick application.
The offline application process for the SBI Card PULSE
You could apply for an SBI Card PULSE by walking into one of the branches of SBI, calling customer care at 1800 1234, through SMS, etc.FAQs of SBI Card PULSE
1. What is a contactless card?
A contactless card is powered by Visa payWave and is a fast, secure and convenient way to transact. Its contactless chip technology enables fast checkout without having to exchange the card every time you make a purchase.
2. Is there a limit to the contactless transaction amount?
Yes, the contactless transaction can be used for payments up to Rs. 5,000. Beyond Rs. 5,000, the credit card has to be swiped.
3. Can I withdraw cash using my SBI Pulse Card?
Yes, you can use the card to withdraw cash. A cash advance fee of 2.5% on the withdrawn amount is levied, subject to a minimum of Rs. 500.
4. What is the annual fee for an SBI Pulse card?
The annual fee is Rs. 1,499, with a renewal fee of the same amount every year.
5. Can the add-on card holder avail of the flexipay or the easy money service?
No, these services are limited to the original cardholder.