SBI PULSE Credit Card
★ 3.9 / 5 ⓘ How we rateHealth & fitness card — Noise smartwatch + 5X points on pharmacy, dining and movies
✅ Verified Oct 2026 from SBI Card's official terms →
✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026
Why people love it
People who spend on medicines, dining out and movies and want fitness perks
Key benefits
- Noise smartwatch as a welcome gift when you pay the joining fee
- 10 reward points per ₹100 on chemist, pharmacy, dining and movie spends (5X)
- 2 reward points per ₹100 on other spends (1 point = ₹0.25)
- Complimentary 1-year FITPASS PRO and Netmeds First memberships
- Domestic airport lounge visits every year (check the current number on SBI's page)
- 1% fuel surcharge waiver on ₹500 – ₹4,000 transactions (up to ₹250 per statement)
What's great
- Smartwatch welcome gift roughly offsets the fee
- Strong rewards on medicines and dining
- Health memberships included
Good to know
- ₹1,499 fee is high if you don't use the health and dining perks
- 5X points have a monthly cap — check the current limit
- Low 0.5% value on everyday spends; points expire after 2 years
Quick facts
How to apply
Keep these ready
- 🪪 PAN card
- 🆔 Aadhaar (for e-KYC / video KYC)
- 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
| Interest on unpaid bill | Up to 3.75%/month |
| Foreign currency markup | 3.5% |
| Cash withdrawal fee | 2.5% (min ₹500) |
| Late payment fee | ₹0 – ₹1,300 by bill amount |
- ₹99 reward redemption fee
- 18% GST applies on all fees
💡 Pay your full bill before the due date and you pay zero interest.
❓ SBI PULSE — common questions
Is the SBI PULSE Credit Card lifetime free?
No. It has a joining fee of ₹1,499 and an annual fee of ₹1,499 (plus 18% GST). Renewal fee waived on ₹2 lakh yearly spend.
What rewards does the SBI PULSE Credit Card give?
0.5% – 2.5% value back. Noise smartwatch as a welcome gift when you pay the joining fee.
Who is eligible for the SBI PULSE Credit Card?
Minimum income: Not published by SBI. Age: 21 – 60 years. Credit score: 750+. Final approval is decided by the bank.
Does the SBI PULSE Credit Card give airport lounge access?
Yes — Domestic lounge visits (limited per year).
What is the forex markup on the SBI PULSE Credit Card?
3.5% on foreign currency spends (plus GST).
Who should get the SBI PULSE Credit Card?
People who spend on medicines, dining out and movies and want fitness perks.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.