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5123 3574 3172 8888
SBI PULSE
12/28
SBI PULSE
553

SBI Card PULSE

Visa

SBI Card PULSE is India's first health-focused credit card, offering 10X rewards on pharmacy, health, and wellness spends.

Best for: Health, wellness, pharmacy, and fitness spends
Annual Fee
₹1,499
Finance Charge
3.5% /mo
Forex Markup
3.5%
Apply Now

Welcome Benefit

Complimentary Cultfit app subscription for 3 months on joining.

Estimated value: ₹1,499

Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹1,499 within 90 days of card issuance.

Fees & Charges

Joining Fee₹1,499
Annual Fee₹1,499
Renewal Fee₹1,499
Add-on Card Fee₹0
Fee WaiverAnnual fee waived on spending ₹2,00,000 in the previous year.
APR (Annual)45%
Finance Charge3.5% per month
Interest-Free DaysUp to 50 days
Cash Advance Fee2.5% (min ₹500)
Overlimit Fee2.5% of overlimit (min ₹600)

Rewards & Earn Rates

Program: SBI Reward Points (points) · 1 point = ₹0.25

CategoryEarn Rate
Pharmacy, Doctor, Health Checkup10X Reward Points on health spends
All Other Spends1X Reward Points
Dining & Movies4X Reward Points

Base reward points uncapped. Accelerated/bonus category points may be subject to monthly caps.

Points expire after 24 months

Lounge Access

domesticDreamfolks

8 domestic lounge visits per year (2 per quarter).

8 visits/year

Insurance Cover

lost_card_liability

In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.

Zero liability on fraudulent transactions reported within 7 days

Zero Liability

Forex & Fuel

Forex Markup3.5%
Fuel Surcharge Waiver1% waiver
Monthly Cap₹100
Fuel Reward Rate1% fuel surcharge reversed. Standard reward points earned on fuel as per base rate.

Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.

Eligibility

Age21+ years – up to 70 years
Min Monthly Income₹30,000
Credit Score725+

Salaried: ₹30,000+ per month. Age: 21–70.

Editor Rating

3.5
3.5
Overall
Rewards
3.8
Fees
4.2
Lounge
3.0
Travel
3.0
Shopping
3.5
Fuel
3.5
Beginner Friendly
3.8

Pros

  • + Good entry-level benefits
  • + Annual fee easily waived
  • + Fuel surcharge waiver

Cons

  • – Limited premium travel benefits
  • – Moderate reward rate on non-partner spends

The SBI Card PULSE is a mid-range credit card from State Bank of India with a balanced rewards programme. At ₹1,499/year, the card is easily justified through fee waivers and regular usage benefits.

Frequently Asked Questions

What is the annual fee for the SBI Card PULSE?▼
The annual fee is ₹1,499 + applicable GST. Fee waiver may be available on meeting annual spend milestones.
How do I redeem reward points on the SBI Card PULSE?▼
Reward points can be redeemed via the bank's net banking portal or mobile app against flight/hotel bookings, statement credit, product catalogue, or transfer to partner loyalty programs. Minimum redemption thresholds apply.
What is the interest-free credit period?▼
You get up to 50 interest-free days from the date of transaction, provided you pay the full outstanding balance by the due date every month.
What happens if I miss the payment due date?▼
A late payment fee will be charged as per the bank's slab: Nil for statement balance up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹950 for ₹10,00... Additionally, finance charges of 3.5% per month will apply on the outstanding balance.
Is the card accepted internationally?▼
Yes, this card carries the Visa/Mastercard/RuPay network and is accepted at millions of merchants globally. A foreign currency markup fee applies on international transactions.