SBI Card PULSE
A health-and-fitness points card: 10 points per ₹100 on pharmacy, sports, dining and movies (up to 7,500 a month), 2 per ₹100 elsewhere; 4 points = ₹1; smartwatch on joining, FITPASS PRO and Netmeds memberships. Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹1,499 plus GST Product page |
|---|---|
| Annual fee | ₹1,499 plus GST Product page |
| Annual fee waiver | On ₹2,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Dining (also pharmacy, sports and movies, shown as a highlight) | 10 points per ₹100 Terms | up to 7,500 points a month Terms |
| All other eligible spends | 2 points per ₹100 Terms | no cap on record |
Points pay the card bill at 4 points = ₹1, with a ₹99 redemption fee; from 1 Apr 2026 statement-credit redemptions go in multiples of 4,000 points, up to 60,000 points a month. The 7,500-point monthly cap covers all four accelerated categories together. Points expire after 24 months.
No rewards on
Benefits
- Lounges: 4 domestic airport lounge visits a year (1 a quarter); Priority Pass membership for the first two years (visits charged) Product page
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹4,000, up to ₹250 a statement cycle Product page
- Welcome: Noise ColorFit Pulse 4 Pro smartwatch worth ₹7,999 on payment of the joining fee Product page
- Milestone: Netmeds e-voucher worth ₹1,500 at ₹4 lakh of annual retail spend Product page
Also on this card
Quoted from SBI Card; not counted in the net value.
- 10 points per ₹100 at pharmacies and chemists, sports stores and movies (within the 7,500-point monthly cap) Terms
- Complimentary 1-year FITPASS PRO membership, renewed with the card each year Product page
- Complimentary 1-year Netmeds First membership, renewed with the card each year Product page
- Loss of checked-in baggage cover up to ₹72,000 Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- eligibility criteria
- a RuPay variant for UPI
- a list of wallet, utility or insurance exclusions specific to this card
Where SBI Card’s documents differ, and what is used
- Air accident cover: SBI Card discontinued the ₹50 lakh air accident insurance on SBI Card PULSE from 15 Jul 2025 (customer notice); it is not listed.
- Welcome gift: the product page's meta description still names a Noise ColorFit Pulse 2 Max watch worth ₹5,999; the page content and the terms name the ColorFit Pulse 4 Pro worth ₹7,999, which is used.
The quotes behind the figures
38 figures, each copied from an official SBI Card document.
Show every quote and source
“Annual Fee: Rs. 1,499 + taxes”
“Renewal Fee (per annum): Rs. 1,499 + taxes from second year onwards”
“For the cardholders having state of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%”
“Renewal Fee is reversed if annual spends for last year >= Rs. 2,00,000.”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“Pay your card outstanding with Reward Points. 4 Reward Points = Rs. 1”
“Cardholder shall earn total of 10 Reward Points for every 100 spent on the following categories: 1. Dining 2. Movies 3. Pharmacy & Chemist 4. Sports”
“Reward Points on accelerated categories as defined in section 11 of Terms and Conditions, will be subject to a capping of 7,500 Reward Points per calendar month.”
“Enjoy 10 Reward Points per Rs. 100 spent on Chemist, Pharmacy, Sports, Dining and Movies”
“After reaching this monthly cap, the cardholder will accrue 2 Reward Points per `100 on eligible transactions done in accelerated categories.”
“SBI Card PULSE Cardholders shall earn 2 Reward Points for every 100 charged to his/her SBI Card PULSE.”
“Earn 2 Reward Points per Rs. 100 on all other spends”
“any purchases at petrol pumps/service stations identified under MCCs: 5172, 5541, 5542, 5983”
“List of SBI Credit Cards where Reward Points will not be applicable on Rent Payments w.e.f. 01 Apr'24 : • AURUM • SBI Card Elite • SBI Card Elite Advantage • SBI Card Pulse”
“List of SBI Credit Cards where Reward Points will not be applicable on Government related transactions w.e.f. 1 Jun'24 : • AURUM • SBI Card ELITE • SBI Card ELITE Advantage • SBI Card Pulse”
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“SBI Card PULSE - Benefits & Features - Apply Now | SBI Card”
“SBI Card PULSE 1,499 1,499 (Waived off on annual spends of 2 Lakh or more in the preceding year)”
“Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM).”
“W.e.f. 1 Apr'26, redemption of Reward Points for Statement Credit will be capped at 60,000 Points per month.”
“W.e.f. 1 Apr '26, redemption of Reward Points for Statement Credit can be made only in multiples of 4,000 Points.”
“Both memberships are subject to payment of Joining Fee and minimum of one retail transaction”
“All eligible SBI Card PULSE cardholders will get Electronic Gift Voucher (EGV) from NETMEDS worth 1,500 as Milestone Gift”
“Complimentary Priority Pass Membership worth US $99 for first two years”
“Fraud Liability Insurance - Cover of Rs. 1 lakh”
“With effect from 15 July 2025, the complimentary Air Accident insurance coverage of ₹ 50 lakhs currently offered on your SBI Card Pulse will be discontinued.”
“Rewards Redemption Fee: Rs.99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM.”
“Complimentary 4 Domestic Lounge visits every year (restricted to 1 per quarter)”
“Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 4,000 at all petrol pumps across India.”
“Maximum waiver of Rs. 250 per statement cycle, per credit card account.”
“Get a Noise ColorFit Pulse 4 Pro Smart Watch worth Rs. 7,999 on payment of Joining Fee”
“Get Rs. 1,500 e-Voucher on annual retail spends of Rs. 4 lakhs”
“Complimentary 1-year FITPASS PRO Membership on card renewal every year”
“Complimentary 1-year Netmeds First Membership on card renewal every year”
“Loss of Check-in baggage - Cover up to Rs. 72,000 (US $1,000)”
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“Just look for the Visa/Mastercard sign of acceptance and present your card for payment.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology