SBI Card Pulse
Fees
₹1,499 + Taxes
Joining & AnnualReward Rate
10 Reward Points per ₹100 on dining, movies, sports, chemist & pharmacy (2.5% value-back); 2 points per ₹100 on other spends
Welcome Bonus
Complimentary 1-year FITPASS PRO + Netmeds Plus membership on activation
Lounge Access
8 Domestic/yr + Priority Pass
FindMyCard Expert Take
The SBI Card Pulse from SBI Card offers Health & Fitness Enthusiasts with an annual fee of ₹1,499 + Taxes.
Pros & Cons
Key Advantages
- Complimentary 1-year FITPASS PRO membership with up to 12 fitness sessions/month
- Complimentary 1-year Netmeds Plus membership included
- 8 domestic lounge visits/year plus a Priority Pass membership worth $99
- Fee waiver threshold (Annual fee waived on ₹2 Lakh annual retail spends)
Limitations
- Base reward rate outside the 5 bonus categories is just 0.5% (2 points per ₹100)
- Lounge access capped at 2 visits per quarter
- FITPASS sessions must be pre-booked via the FITPASS app
Editorial Verdict
The SBI Card Pulse is ideally suited for health & fitness enthusiasts. If you want 10 reward points per ₹100 on dining, movies, sports, chemist & pharmacy (2.5% value-back); 2 points per ₹100 on other spends, this card delivers real value. The ₹1,499 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
Accelerated earn rate on lifestyle purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Annual fee waived on ₹2 Lakh annual retail spends
Fees & Charging Rates
Annual Fee Waivers
₹1,499 + Taxes
💡 Annual fee waived on ₹2 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Compare SBI Card Pulse With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| SBI Card Pulse This Card | ₹1,499 + Taxes | 10 Reward Points per ₹100 on dining, movies, sports, chemist &... | 8 Domestic/yr + Priority Pass | 4.4/5 |
| IDFC FIRST WOW! Credit Card | Free | 4 Reward Points per ₹200 spent (~0.50% return); Points never expire | No Lounge Access | 4.5/5 |
| LIC Signature Credit Card | Free | 2 Reward Points per ₹100 on LIC premium payments & international... | 8 Domestic/yr (2/Qtr) | 4.5/5 |
| Apollo SBI Card SELECT | ₹1,499 + Taxes | 10 Reward Points per ₹100 on Apollo 24|7 and Apollo Pharmacy; 2... | 4 Domestic/yr | 4.4/5 |