• Joining Fee: Rs. 1,499 (plus applicable taxes)
  • Renewal Fee: Rs. 1,499 (plus applicable taxes)
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: A Noise ColorFit Pulse Smart Watch worth Rs. 5,999, complimentary Fitpass Pro membership, and complimentary Netmeds First membership.
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The SBI Card Pulse is a newly launched Credit Card that aims at providing its cardholders with exclusive health benefits so that they can manage both their health and wealth together. It is issued with a joining fee of Rs. 1,500 and offers an exclusive complimentary smartwatch worth Rs. 5,999 as a welcome gift. Also, you get complimentary Fitpass Pro & Netmeds First membership that gets renewed every year when you pay the annual fee. Coming to the reward program, you earn 2 Reward Points for every Rs. 100 spent and 5x Reward Points on a few selected categories. The Reward Points earned are redeemable against a collection of categories and even against your statement balance. Other than the health benefits, the card comes with exciting travel privileges. You get complimentary domestic airport lounge access and free Priority Pass membership for the first two years. On achieving the spend milestone, you get an e-gift voucher of Rs. 1,500 and you can also get the renewal membership fee waived upon reach the spend milestone. The card also offers air accident insurance cover, travel insurance cover, zero liability protection, fuel surcharge waiver, etc. To get detailed information about the features of this card, refer to our SBI Pulse Credit Card review.

New Features

Spend Based Waiver

The renewal fee can be waived if you spend Rs. 2 lakhs or more in the previous year.

Interest Rates

3.50% per month (42% per annum)

Add-on Card Fee


Rewards Redemption Fee

Rs. 100 on each redemption request

Fuel Surcharge

1% fuel surcharge waiver for all fuel transactions between Rs. 500 and Rs. 4,000.

Foreign Currency Markup

3.5% of the transaction amount

Cash Advance Charges

2.5% of the cash amount subject to a minimum of Rs. 500

Movie & Dining

10 Reward Points per Rs. 100 spent on movie and dining


Get complimentary access to domestic lounges along with complimentary Priority Pass membership.

International Lounge Access


Rewards Rate

10 Reward Points per Rs. 100 spent on Pharmacy, Chemist, movie & dining and 2 RPs per Rs. 100 spent elsewhere.



Insurance Benefits

Get an air accident cover of Rs. 50 lakhs, zero liability cover of Rs. 1 lakh, and other travel insurance covers, including lost baggage, delayed baggage, loss of travel documents, etc.

Reward Redemption

The Reward points are redeemable against a host of options on the Rewards catalogue or against the statement balance (1 RP = Re. 0.25).

Domestic Lounge Access

2 complimentary domestic lounge visits per quarter.

Zero Liability Protection

The liability for a fraudulent transaction done on the lost or stolen card will not fall on the cardholder if he/she reports the same to the bank in a timely manner.


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