| SBI Card Pulse Rating |
| Welcome Benefits ★★★ Annual Fee ★★★ Milestone Benefit ★★ Additional Benefits ★★★ |
| Overall Rating ★★★ |
SBI Card Pulse is an exclusive credit card which is specially designed for people who opt for a healthy and active lifestyle that comes with no documentation and on-the-spot approvals. With this card, you can avail various offers in the form of several memberships and benefits to ensure cardholders’ well-being. Here is a detailed review of this credit card to help you decide whether this is a suitable companion for your wallet.
Key Highlights of SBI Card Pulse |
|
| Card Type | Mid-Level |
| Best Suited For | Health & Fitness |
| Joining Fee | Rs. 1,499 |
| Renewal Fee | Rs. 1,499(reversed on annual spends of Rs. 2 Lakh) |
| Minimum Income Required | Communicated at the time of sourcing |
| Welcome Benefit | Noise ColorFit Smart Watch worth Rs. 5,999 |
| Best Feature | 10 Reward Points per Rs. 100 spent on pharmacy, chemists, movies and dining (4 RP = Rs. 1) |
| Paisabazaar Rating | ★★★ (3/5) |
Let us take a look at the various benefits offered by SBI Card Pulse:
Welcome Benefits
You will get an e-voucher of Noise ColorFit Pulse 2 Max Smartwatch worth Rs. 5,999 on the payment of joining fee. E-Voucher, with a validity of a maximum of 6 months will be sent through e-mail or SMS to eligible card holders within 45 days of eligibility.
Milestone Benefits
- Get Netmeds vouchers worth Rs. 1,500 on spending Rs. 4 lakh (retail expenditure) in a year
- The annual fee can be waived off on spending Rs. 2,00,000 or more in the previous year
Health Benefits
Customers will be eligible for an e-voucher to get the below-mentioned memberships on payment of joining/renewal fee and on performing at least one transaction to activate the card within 12 months of joining. E-Voucher will be sent within 45 days of eligibility calculation through Email or SMS.
FITPASS PRO Membership
One year complimentary FITPASS PRO Membership to be received every year. Annual FITPASS PRO membership is a combination of subscriptions of FITPASS, FITFEAST, and FITCOACH.
Netmeds First Membership
One year complimentary Netmeds First Membership, to be received every year.
- Get a 20% discount (max. Rs. 5,000) immediately on medicine orders
- Get 20% NMS SuperCash/cashback (max. Rs. 3,000) upon the delivery of only ‘pre-paid’ medicine orders to be placed on Netmeds.com/Netmeds App
- You can avail this offer on discounted products as well
- SuperCash offer is not applicable on any Ayurvedic medicine, over-the-counter and FMCG
Reward Points
- 10 Reward Points on every Rs. 100 spent on chemists, pharmacies, dining and movies
- 2 reward points on every Rs. 100 spent on all other purchases
- Earn Regular Reward points even on EMI transactions
4 Reward Point = Rs. 1
Note: Points can only be accumulated for a period of 24 months from the date of the accrual of Reward Points under the rewards program.
Lounge Benefits
- Avail 8 complimentary (2 per quarter) domestic lounge access in a calendar year
- The card further offers a Priority Pass Membership worth USD 99 for the first two cardholder membership years applicable only to primary cardholders
Air Accident & Fraud Liability Cover
- Complimentary Air Accident Liability Cover of Rs. 50 Lakh
- Complimentary Credit Card Fraud Liability Cover of Rs.1 lakh
- Group Travel Insurance Cover
Fuel Surcharge Waiver
SBI Card Pulse offers a 1% fuel surcharge waiver (up to a maximum of Rs. 250) on transactions between Rs. 500 and Rs. 4,000.
Other Benefits of SBI Card Pulse
- Contactless Technology
- Worldwide Acceptance
- Guaranteed Peace of Mind
- Credit Facility
- Cash on the Go
- Easy Bill Payment Facility
- Balance Transfer
- Flexipay
- Easy Money Facility
- Simple Easy Money Installment
- SBI Card PULSE Alerts
- Insurance
Suggested Read: SBI Bank Credit Card Reward Points
Who Should Get SBI Card Pulse?
If you are looking for a credit card that provides plethora of health and entertainment benefits, this could be the right card for you as SBI Card Pulse is the first credit card in India dedicated to the health and fitness of its users.
Additionally, if you are a frequent traveler, you can opt for this card as it provides travel benefits in the form of complimentary lounge access domestic travel. The card is not suited for people looking for lifestyle benefits or a high reward rate.
Alternate Credit Cards You Can Apply for
| Credit Cards | Annual Fee | Key Health & Wellness Benefit |
| Axis Bank Aura Credit Card | Rs. 749 | 4 video doctor consultations free per month via Practo and Rs. 750 worth Decathlon voucher as a welcome gift |
| YES Bank Wellness Plus Credit Card | Rs. 2,999 | 30 Reward Points per Rs. 200 spent on Chemist/ Pharmaceutical stores and Complimentary annual preventive Health Check-up (31 parameters) |
| Apollo SBI Credit Card | Rs. 499 | 3X Reward Points on every Rs. 100 spent on all Apollo services and complimentary Apollo Silver Tier Membership |
Limitations of SBI Card Pulse
Following are the limitations of SBI Card Pulse:
- It provides very low reward points for every purchase
- Lounge access is only restricted to domestic travel
- The points accrued can only be redeemed by the primary cardholder, and not by an additional cardholder
- It does not offer lifestyle and entertainment benefits
- It charges a one-time processing fee along with the first EMI or this could be at no extra cost to you depending on the offer
Conclusion
SBI Card Pulse is one of the best options for customers who want to maintain an active and healthy lifestyle. Apart from that, with this card, you can also avail discounts on travel and fuel transactions. It also provides air accident and fraud liability cover.
To know more about this card, click here.
