SBI Card Pulse
Fees
₹1,499 + Taxes
Joining & annual
Reward 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
4 Domestic/yr (1/Qtr)
Our Expert Take
The SBI Card Pulse from SBI Card offers Health & Fitness Enthusiasts with an annual fee of ₹1,499 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
10 points per ₹100 on pharmacy, dining, movies and sports
No limit -
2 points per ₹100 on other spends
No limit
Where this card earns most
Paying directly in the app or site · 0.5% on other spends
Pros & Cons
Key Advantages
- Complimentary 1-year FITPASS PRO membership with up to 12 fitness sessions/month
- Complimentary 1-year Netmeds Plus membership included
- 4 domestic lounge visits/year (1 per quarter) 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 reduced to 1 visit per quarter (4/year), down from the earlier 8/year benefit
- FITPASS sessions must be pre-booked via the FITPASS app
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
Spend milestone
Annual fee waived on ₹2 Lakh annual retail spends
Fees & Charges
Joining fee
₹1,499 + Taxes
Annual fee
₹1,499 + Taxes
Annual fee waived on ₹2 Lakh annual retail spends
Interest rate
Up to 3.75% per month (45% per annum)
Late payment fee
Nil up to ₹100; ₹100 for ₹101-₹500; ₹500 for ₹501-₹1,000; ₹750 for ₹1,001-₹10,000; ₹950 for ₹10,001-₹25,000; ₹1,100 for ₹25,001-₹50,000; ₹1,300 above ₹50,000
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
Credit score & income
Good (730+)
Frequently Asked Questions
How many lounge visits does SBI Card Pulse actually offer?
What fitness perks come with SBI Card Pulse?
What's the reward rate on SBI Card Pulse?
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 &... | 4 Domestic/yr (1/Qtr) | 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,... | 4 Domestic/yr | 4.4/5 |