SBI PULSE Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹1,499
₹1,499
3.5%
4 visits/yr
Contents
SBI Card PULSE is a fitness-focused lifestyle card that bundles a Noise smartwatch voucher, Fitpass and Netmeds memberships, and reward points on health, dining and entertainment spends. It suits customers who value health and lifestyle benefits alongside everyday rewards. The card balances wellness perks with standard SBI Card offers and periodic milestone incentives.
Features of SBI PULSE Credit Card which makes it unique
Welcome Smartwatch Voucher
Voucher to redeem Noise ColorFit Pulse 2 Max on joining fee payment
Immediate lifestyle gift
Distinct welcome gift among peers
Health & Wellness Memberships
Fitpass Pro and Netmeds First memberships on payment/renewal
Fitness and healthcare savings
Annual wellness perks
Rewards Structure of SBI PULSE Credit Card
All other eligible merchants
baseexcludes pharmacy/chemist, dining, movies, sports
Milestones of SBI PULSE Credit Card
Annual Milestone
₹2,00,000 : Milestone benefits (subject to bank offers)
Quarterly Milestone
Varies by campaign : Bonus reward points or vouchers depending on offer
Fees & Charges of SBI PULSE Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee is charged on renewal; card benefits such as Fitpass/Netmeds active on renewal.
Fee Explanation Standard bank rates and statutory taxes apply for fees, interest and overdue amounts.
Detailed Explanation of SBI PULSE Credit Card Fees
Joining / Annual Fee: ₹1,499 + GST (one-time / yearly)
Standard joining and renewal charges; welcome gift on joining fee payment.
Cash Advance Fee: 2.5% (min ₹500) (transaction)
Applies to ATM cash withdrawals and international cash advances; refer T&Cs.
Lounge Access Benefits with SBI PULSE Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Domestic lounge visits as per SBI Card's lounge policy
international Lounges
silverVisits per year: 0
Guest access: No
International lounge access depends on specific SBI Card variants or add-ons
Insurance Coverage with SBI PULSE Credit Card
air accident liability
VariesSubject to SBI Card terms; some covers changed in 2025 communications.
purchase protection
Up to ₹50,000Valid for eligible purchases within specified time window.
Additional Features of SBI PULSE Credit Card
Contactless Payments
Tap-and-pay enabled for supported terminals
Add-on Cards
Add-on cards available
Number and fees depend on issuing policy
Welcome Bonus with SBI PULSE Credit Card
Welcome Bonus: Noise ColorFit Pulse 2 Max smartwatch
Bonus Conditions: Welcome gift delivered as an e-voucher after payment of joining fee; subject to T&Cs and redemption window.
Application Process for SBI PULSE Credit Card
Processing Time
5-7 business days (typical dispatch timelines vary).
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI Card portal or partner application page
Upload KYC and income documents
Underwriting and verification
Receive card dispatch confirmation and voucher details
Required Documents for SBI PULSE Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried/self-employedAccepted documents:
SBI PULSE Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally via network
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SBI PULSE Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹20,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar (or other KYC) required; eligibility subject to SBI Card underwriting.
How Approval Is Decided
- Minimum age 21 years
- Indian resident
- Minimum income as per SBI Card underwriting (commonly ₹2 lakh p.a. indicative)
Pros of SBI PULSE Credit Card
- High reward rate on pharmacy, dining and movies
- Welcome smartwatch voucher
- Annual Fitpass and Netmeds memberships
Cons of SBI PULSE Credit Card
- Relatively high joining/annual fee
- Foreign-exchange markup higher than some premium travel cards
- Welcome benefits require joining-fee payment and voucher redemption steps
Frequently Asked Questions about SBI PULSE Credit Card
How do I redeem the welcome voucher?
Voucher is sent via email/SMS after joining-fee payment; follow the voucher link and redemption instructions within the validity window.
What documents are required to apply?
PAN, Aadhaar (or other KYC), income proof (as applicable), and proof of address are required for application and verification.
What is the joining fee and annual fee?
Joining and annual fee is ₹1,499 + applicable taxes; welcome gift is available on payment of joining fee.
What is the welcome gift for new cardholders?
New cardholders receive a Noise ColorFit Pulse 2 Max smartwatch voucher on payment of the joining fee; voucher redemption subject to T&Cs.
How do I earn reward points?
Earn 10 reward points per ₹100 on pharmacy, movies and dining; 2 reward points per ₹100 on other eligible spends.
Are there Fitpass or Netmeds memberships with the card?
Yes — complimentary Fitpass Pro and Netmeds First memberships are offered (terms and renewal conditions apply).
Is foreign currency markup reasonable?
Foreign currency markup is around 3.5% (check the exact figure in the card T&Cs).
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