SBI Pulse Credit Card

The SBI Card PULSE is designed for people who want more from their everyday spending, particularly in health, fitness and lifestyle categories. Along with accelerated Reward Points on pharmacy, dining, movies and sports, the card offers wellness memberships, airport lounge access and milestone-based benefits.

The card also comes with a welcome smartwatch and insurance-related protections, making it more than a rewards card for routine expenses. With an annual fee of ₹1,499, the overall value depends on how regularly you use its wellness benefits, accelerated reward categories and annual spending milestones.

Key Highlights of SBI Card PULSE

• Annual/renewal fee: ₹1,499, which can be waived on annual spends of ₹2 lakh.
• Welcome benefit: Get a Noise ColorFit Pulse 4 Pro Smart Watch worth ₹7,999 on payment of the joining fee, subject to applicable terms.
• Accelerated rewards: Earn 10 Reward Points per ₹100 on eligible Dining, Movies, Pharmacy & Chemist and Sports spends.
• Regular rewards: Earn 2 Reward Points per ₹100 on other eligible spends.
• Wellness benefits: Complimentary 1-year FITPASS PRO and Netmeds First memberships on card renewal every year, subject to applicable conditions.
• Milestone reward: Receive a ₹1,500 e-voucher on annual retail spends of ₹4 lakh.
• Airport lounge access: Get 4 complimentary domestic lounge visits per year, restricted to 1 visit per quarter.
• Priority Pass: Complimentary Priority Pass membership is available for the first two years, subject to the applicable terms and usage of charges.

Features and Benefits of SBI Card PULSE

Welcome Gift

Get a Noise ColorFit Pulse 4 Pro Smart Watch worth ₹7,999 as a welcome benefit when you pay the SBI Card PULSE joining fee. The smartwatch complements the card's health and fitness-focused benefits and can be useful for tracking everyday activity.

Health and Wellness Benefits

The SBI Card PULSE is particularly suited to cardholders who regularly spend on fitness and healthcare-related services. Eligible cardholders can receive complimentary 1-year FITPASS PRO and Netmeds First memberships on card renewal every year. These memberships are subject to the payment of the joining fee and a minimum of one retail transaction, as specified by SBI Card.

Reward Points

The card offers higher rewards in selected everyday categories:

• Earn 10 Reward Points for every ₹100 spent on eligible dining, movie, pharmacy, chemist and sports transactions.
• Get 2 Reward Points for every ₹100 spent on other eligible purchases.
• The accelerated reward component is subject to a 7,500 Reward Points monthly cap.
• 4 Reward Points are equivalent to ₹1 when redeemed towards eligible options.
• The actual reward eligibility depends on the merchant category code assigned to the transaction, so not every purchase that appears to fall within a category will necessarily qualify for accelerated rewards.

Airport Lounge Benefits

Enjoy up to 4 complimentary domestic lounge visits each year, limited to one visit per quarter. The card also provides complimentary Priority Pass membership for the first two years, subject to the applicable terms and charges for Priority Pass usage.

Milestone Benefits

The card can become more valuable for customers who consistently meet its annual spending milestones:

• Spend ₹2 lakh annually to qualify for a renewal fee waiver.
• Annual retail spends of ₹4 lakh can qualify the cardholder for a ₹1,500 e-voucher.

These benefits make the card more attractive for users who can comfortably meet the spending thresholds through their regular expenses.

Insurance Benefits

The SBI Card PULSE includes selected insurance-related protections, subject to the applicable terms and conditions:

• Get fraud liability protection of up to ₹1 lakh.
• Loss of checked-in baggage cover of up to ₹72,000.
• Checked-in baggage delay cover of up to ₹7,500.
• Get coverage of up to ₹12,500 for the loss of travel documents.
• Flight delay cover of up to ₹7,500.

These protections should not be treated as a substitute for comprehensive travel or health insurance.

SBI PULSE Credit Card Eligibility Criteria

• The applicant should be an Indian resident.
• The bank prefers good credit scores.
• The applicant age should be between 21 to 70 years.
• Applicants can be either salaried or self-employed, and must have a steady income.

Note: For more details about the eligibility criteria, contact the bank.

Documents Required

• Identity proof, such as a PAN card, passport, or Aadhaar card.
• Address proof, such as an Aadhaar card, Income Tax Return, and utility bills.
• Proof of income, such as salary slips, bank statements, and passbook records.
• Passport-size photo.
• Duly signed application form.

SBI PULSE Card Fees and Charges

How to Apply for SBI Card PULSE Online

You can apply for the SBI Card PULSE through the official SBI Card website. The general process is:

1. Visit the official SBI Card website and select the SBI Card PULSE.
2. Click Apply Now to begin the application.
3. Enter your personal, Professional and KYC details.
4. Upload the required KYC and income-related documents if requested.
5. Review the information carefully and submit the application.
6. SBI Card may contact you for verification or request additional information.
7. Once the application is approved, the card will be issued and delivered according to the issuer's process.

Application approval is subject to SBI Card's eligibility checks, verification and internal assessment.

SBI PULSE Credit Card Reward Redemption

• 4 reward points are worth ₹1 when redeemed.
• Points can be exchanged for statement credit, e-vouchers, or gifts.
• Redemption is possible with the SBI Card App.
• Redemption fee of ₹99 + GST may apply.
• Validity of reward points up to 24 months.

Pros and Cons

Comparison with Similar SBI Credit Cards

A brief comparison between SBI Pulse credit card VS SBI Prime Credit Card VS SBI Cashback Credit Card:

Conclusion

The SBI Card PULSE suits users who value health, fitness and everyday rewards. Its wellness memberships and accelerated rewards can add good value for regular users, especially those who meet the ₹2 lakh annual spend milestone.

However, if you mainly want cashback or do not use wellness benefits, other cards may offer better value. Compare the latest fees and benefits with your spending needs before applying.

FAQs

Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Given that this type of data may change over time, we cannot guarantee the accuracy of the information supplied or included within it. It is anticipated that the user will confirm with the relevant source before making any choices or taking any actions.