SBI Card PULSE
Updated 15 Apr 2026Source-linked
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% back on chemist pharmacy dining movies spends in the form of reward points (points).
Cardholders get 8 annual domestic airport lounge access, plus noise smartwatch worth ₹5,999 as a welcome benefit.
SBI Card PULSE
- Joining Fee₹1,499
- Annual Fee₹1,499
- Best Suited ForEveryday spends
- Reward TypeReward Points (points)
Rewards Rate
- 10% on chemist pharmacy dining movies
- Base 0.50% on other spends
Welcome Benefits
- Noise smartwatch worth ₹5,999
SBIsignaturemidRewards and Benefits
Rewards Rate
10% on chemist pharmacy dining movies
Base 0.50% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
Noise smartwatch worth ₹5,999
Milestone Rewards
- ₹2,00,000 / annual: Netmeds voucher worth ₹1,500
Domestic Lounge Access
8 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
- personal accident: ₹20,00,000
Other Benefits
- FitPass Pro membership — Complimentary 1-year FitPass Pro (access to 6,500+ gyms/studios).
- Online doctor consultation — 4 complimentary online doctor consultations per year via Netmeds.
Fees & Charges
Spend-Based Waiver
₹2,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
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 (8/annual).
- Insurance cover bundled: personal accident.
Pros & Cons
Pros
- Annual fee waivable on ₹2,00,000 spend.
- Complimentary domestic airport lounge access (8/annual).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn rate of 10% on chemist pharmacy dining movies.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹5,999 welcome benefit
- Noise smartwatch worth ₹5,999Joining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 10% on chemist pharmacy dining movies10x points on Chemist, Pharmacy, Dining and Movies.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹2,00,000 / annual: Netmeds voucher worth ₹1,500 (≈ ₹1,500 value)
Airport lounge access
Domestic
8 visit(s) / annual. Via visa, dreamfolks.
Insurance benefits
- personal accident: ₹20,00,000
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 (access to 6,500+ gyms/studios). (≈ ₹3,000 value)
- Online doctor consultation. 4 complimentary online doctor consultations per year via Netmeds.
Sources
- : www.sbicard.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 730+
- Income (salaried)
- —
- Income (self-employed)
- —