SBI Card PULSE
The SBI Card PULSE is a mid credit card from SBI Card, with a joining fee of ₹1,499 + GST.
It earns up to 10 pts per ₹100 (≈2.2% value) on chemist pharmacy sports dining movies spends in the form of reward points (points).
Cardholders get 4 annual domestic airport lounge access, plus noise colorfit pulse 4 pro smartwatch worth ₹7,999 as a welcome benefit.
- Joining Fee₹1,499
- Annual Fee₹1,499
- Best Suited ForEveryday spends
- Reward TypeReward Points (points)
- 10 pts per ₹100 on chemist pharmacy sports dining movies
- Base 0.44% on other spends
- Noise ColorFit Pulse 4 Pro smartwatch worth ₹7,999
SBIsignaturemidRewards and Benefits
- ₹4,00,000 / annual: e-Voucher worth ₹1,500 on annual retail spends of ₹4 lakh
- fraud liability: ₹1,00,000
- baggage loss: ₹72,000
- trip delay: ₹7,500
- other: ₹12,500
- FITPASS PRO membership — Complimentary 1-year FITPASS PRO Membership, renewed every year on card renewal.
- Netmeds First membership — Complimentary 1-year Netmeds First Membership, renewed every year on card renewal.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Dining & food delivery₹176/mo
You spend ₹8,000 · earns 2.2% = ₹176 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.4% = ₹66/mo
- Groceries₹8,000 · 0.4% = ₹35/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.4% = ₹44/mo
- Utilities & bills₹5,000 · 0.4% = ₹22/mo
₹4,118 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- mid card issued by SBI Card.
- Joining / annual fee of ₹1,499 + GST, waived on annual spends of ₹2,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (4/annual).
- Insurance cover bundled: fraud liability, baggage loss, trip delay, other.
Pros & Cons
- Annual fee waivable on ₹2,00,000 spend.
- Complimentary domestic airport lounge access (4/annual).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹7,999 welcome benefit
- Noise ColorFit Pulse 4 Pro smartwatch worth ₹7,999Joining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 10 pts per ₹100 on chemist pharmacy sports dining movies10 Reward Points per ₹100 on Chemist, Pharmacy, Sports, Dining and Movies.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹4,00,000 / annual: e-Voucher worth ₹1,500 on annual retail spends of ₹4 lakh (≈ ₹1,500 value)
Airport lounge access
Insurance benefits
- fraud liability: ₹1,00,000
- baggage loss: ₹72,000Loss of check-in baggage.
- trip delay: ₹7,500Delay in flight / delay of check-in baggage.
- other: ₹12,500Loss of travel documents.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per monthly.
Other benefits
- FITPASS PRO membership. Complimentary 1-year FITPASS PRO Membership, renewed every year on card renewal. (≈ ₹3,000 value)
- Netmeds First membership. Complimentary 1-year Netmeds First Membership, renewed every year on card renewal.
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 730+
- Income (salaried)
- —
- Income (self-employed)
- —