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    SBI Card PULSE

    cat name Reward Points
    3.0/5.0

    Rewards3.0/5

    Welcome Benefits3.5/5

    Lifestyle Benefits3.0/5

    Milestone Benefits2.5/5

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    1st Year Fee: ₹1,499* Plus Applicable Taxes

    Entry-Level Card

    Entry-Level Card

    Annual fee of Rs. 1,499

    Rewards

    Rewards

    Up to 5x rewards

    Memberships

    Memberships

    FITPASS PRO & Netmeds

    Updated on January 16, 2025 3:36 pm

    Author: Megha Khanna

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    About The CardHealth & Wellness BenefitsOther BenefitsSavings CalculatorFee & ChargesThings to KnowCard ReviewFAQs

    About SBI Card PULSE

    SBI Card Pulse is an exclusive credit card especially designed for people who choose a healthy and active lifestyle. The card offers several complimentary health memberships and benefits to ensure cardholders’ well-being. At an annual fee of Rs. 1,499, it offers FITPASS PRO and Netmeds membership along with Noise ColorFit Pulse 2 Max Smartwatch on card activation. Consumers can also avail accelerated 5x rewards at chemists and pharmacies. But the good thing is that the accelerated reward benefits are also extended to other lifestyle categories like dining and movies, along with base rewards on all spends.

    Though not too extensive, in some cases, the decent savings potential in the categories beyond its prime focus becomes a selling point for the card. That way, it encourages consumers to avail the card and further pushes them towards a healthy lifestyle via its complimentary health benefits.

    Quick Check: Best Credit Cards in India 2025

    But is the card worth availing? Do the scattered benefits around health, entertainment, and rewards suffice the lifestyle needs of users looking for great savings? Read on to find out!

    Health & Wellness Benefits

    • Complimentary FITPASS PRO and Netmeds membership auto-renewed with card renewal
    • 10 reward points for every Rs. 100 spent on chemists and pharmacies
    • Noise ColorFit Pulse 2 Max Smartwatch on card activation
    • Netmeds vouchers worth Rs. 1,500 on annual spends of Rs. 4 lakh
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    Other Lifestyle Benefits
    • 10 reward points for every Rs. 100 spent on dining and movies
    • 2 reward points for every Rs. 100 spent on all other purchases
    • Value of 1 reward point = Rs. 0.25
    • 8 complimentary domestic lounge access visits in a  year (2 per quarter)

    Quick Check: Lounge Access Credit Cards

    • Priority Pass Lounge Membership worth USD 99
    • Annual fee waiver on spending Rs. 2 Lakh
    • 1% fuel surcharge waiver (up to Rs. 250 per cycle) on transactions between Rs. 500 and Rs. 4,000.

    Also Check: Best Fuels Credit Cards in India 2025

    • Fraud liability cover of up to Rs. 1 lakh and air accident cover of up to Rs. 50 lakh.

    Savings Calculator

    ₹

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    If you spend upto ₹0/yr

    Spend Rewards₹0

    Milestone Benefits₹0

    You save₹0

    ₹1,499 Plus Applicable Taxes

    NA

    ₹1,499 Plus Applicable Taxes

    Waived off on spending Rs. 2 Lakh

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    SBI Card PULSE: Fee & Charges

    Fee Type Amount
    Joining Fee Rs. 1,499
    Annual Fee Rs. 1,499
    Finance Charge 3.50% per month
    Late Payment Charges
    Less than Rs. 500 Nil
    Rs. 500 – Rs. 1000 Rs. 400
    Rs. 1000 – Rs. 10000 Rs. 750
    Rs. 10000 – Rs. 25000 Rs. 950
    Rs. 25000 – Rs. 50000 Rs. 1100
    More than Rs. 50000 Rs. 1300

    Quick Check: Lifetime free credit cards with no annual fee

    Things to Know Before you apply

    Get this card if:

    You are looking for complimentary health and wellness benefits

    You own another credit card with benefits around other lifestyle categories

    You can spend around Rs. 4 Lakh with the card to maximize the spend-based benefits

    Find other options if:

    You want an all-rounder credit card

    You do not want to pay an annual fee of Rs. 1,499

    You already avail complimentary health benefits

    Paisabazaar Review

    Overall Rating

    3.0/5

    Rewards3.0/5

    Welcome Benefits3.5/5

    Lifestyle Benefits3.0/5

    Milestone Benefits2.5/5

    What do we like about this card?

    The card comes at an annual fee of Rs. 1,499 but offers worth more than this value via card activation benefit. Consumers get a smartwatch worth Rs. 5,999. Unlike most credit cards that offer memberships or service-based benefits, here consumers earn a complimentary product, thus a long-term benefit. For health-oriented benefits, the card also offers benefits on Netmeds and FITPASS PRO Membership, along with reward benefits on chemists and pharmacy spends.

    Pros

    • Low annual fee waiver criteria
    • Accelerated rewards on multiple spend categories
    • Welcome benefit worth more the joining fee

    Cons

    • Slightly high annual fee
    • Low redemption value
    • No medical insurance cover
    • Milestone spending threshold is high

    Conclusion

    SBI Card PULSE is a health-focused credit card that mostly covers the needs and aids of a healthy lifestyle. However, it misses on an important aspect in this area: complimentary health coverage or insurance. Additionally, even though it offers benefits on other lifestyle categories or a decent welcome benefit, these cannot be a deciding factor to own the card. The lifestyle benefits are basic due to a low reward rate, plus the welcome benefit is a one-time deal. Having said that, users owning another credit card and an active health insurance can definitely find great potential in the card to save on their frequent spends on medicines and to maintain a healthy lifestyle. The card is not suited for people looking for lifestyle benefits or a high reward rate on spending categories other than health and wellness.

    Frequently Asked Questions

    Everything you need to know about this credit card

    You will have to make a prior reservation using the FITPASS mobile application.

    With SBI Pulse Card, you get a maximum of 12 sessions per month.

    In this case, you can redeem the voucher after your existing membership expires.

    Yes, SBI Card Pulse can be used in over 24 million outlets across the world.

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    Footnotes

    1. Exclusions from rewards program: Balance transfers, balance Transfer on EMIs, cash advances (domestic), finance charges, disputed transactions, encash, ATM Withdrawals, Dial a Draft, any purchases at petrol pumps/service stations, E wallet loading transactions, Flexipay Transactions and Merchant EMI.

    Click here to know More Terms and Conditions

    Megha Khanna linkedIn icon

    Content Writer

    Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.

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