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SBI Card · Visa / RuPay · हिन्दी

SBI Card PULSE: full review

The SBI Card PULSE is exceptional value in Year 1, the Noise smartwatch alone is worth 5x the joining fee. The annual FITPASS PRO and Netmeds memberships add genuine health value for active lifestyle users. If you spend on pharmacy, dining and movies AND use a gym, this card pays for itself quickly. Non-fitness users should look elsewhere.

Apply now ↗Annual fee: ₹1,499 + taxes
Last updated: October 2026 · Current terms verified
SBI CARD
VISA
)))
PULSE
ASHOK KUMAR
12/28
₹1,499 + taxes (waived on ₹2,00,000/year spend)Annual fee
2.5% on pharmacy, dining, movies and sports (10 RP/₹100, 4 RP = ₹1); 0.5% on all others; free Noise smartwatch + FITPASS + NetmedsReward structure
4 complimentary domestic visits a year (1 per quarter), plus a complimentary Priority Pass membership worth US $99 for the first two yearsLounge access

Key benefits of the SBI Card PULSE

10 reward points per ₹100 on chemists, pharmacy, sports, dining and movies (4 RP = ₹1; 2.5% effective)2 reward points per ₹100 on all other eligible retail spends (0.5%)Noise ColorFit Pulse 4 Pro Smartwatch (worth ₹7,999) on joining fee payment, far exceeds joining costComplimentary 1-year FITPASS PRO membership, renewed every year on card renewalComplimentary 1-year Netmeds First membership, renewed every year on card renewal4 complimentary domestic airport lounge visits a year (1 per quarter) and a Priority Pass membership worth US $99 for the first two years₹1,500 e-voucher on annual retail spends of ₹4 lakhRenewal fee reversed on annual spends of ₹2 lakhFraud liability insurance cover of ₹1 lakh and loss of check-in baggage cover up to ₹72,000
Apply now ↗ Min. income: ₹25,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Smartwatch welcome gift worth ₹7,999 far exceeds ₹1,499 joining fee, exceptional Year 1 value
✓ FITPASS + Netmeds memberships renewed annually, recurring wellness value
✓ 4 domestic lounge visits a year plus a Priority Pass membership for the first two years, unusual at a ₹1,500 fee
✓ Useful for families with ongoing pharmacy and medical spends
Cons
✗ Low 0.5% base rate on non-health/dining/movie spends
✗ 3.5% forex, poor for international use
✗ Value drops significantly if you don't use fitness or pharmacy services
✗ Movie and dining benefits are common, not unique to this card
Quick facts
Issuer SBI Card
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,499 + taxes (waived on ₹2,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹1,499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 complimentary domestic visits a year (1 per quarter), plus a complimentary Priority Pass membership worth US $99 for the first two years
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceSBI Card's published card terms and official card page · Last updated October 2026
Recent updates

Lounge access corrected to 4 domestic visits a year plus a Priority Pass membership for two years (previously 8 visits). Spend voucher, insurance cover and wellness memberships updated.

Domestic lounge visits8 a year4 a year (1 per quarter), plus a Priority Pass membership for the first two years
Spend voucher₹1,500 Netmeds voucher₹1,500 e-voucher on annual retail spends of ₹4 lakh
InsuranceAir accident cover up to ₹50 lakhFraud liability cover of ₹1 lakh and lost check-in baggage cover up to ₹72,000
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Frequently asked questions
The annual fee for SBI Card PULSE is ₹1,499 + taxes (waived on ₹2,00,000/year spend). The joining fee is ₹1,499.
The main benefits of the SBI Card PULSE are: 10 reward points per ₹100 on chemists, pharmacy, sports, dining and movies (4 RP = ₹1; 2.5% effective); 2 reward points per ₹100 on all other eligible retail spends (0.5%); Noise ColorFit Pulse 4 Pro Smartwatch (worth ₹7,999) on joining fee payment, far exceeds joining cost; Complimentary 1-year FITPASS PRO membership, renewed every year on card renewal; Complimentary 1-year Netmeds First membership, renewed every year on card renewal; 4 complimentary domestic airport lounge visits a year (1 per quarter) and a Priority Pass membership worth US $99 for the first two years; ₹1,500 e-voucher on annual retail spends of ₹4 lakh; Renewal fee reversed on annual spends of ₹2 lakh; Fraud liability insurance cover of ₹1 lakh and loss of check-in baggage cover up to ₹72,000.
2.5% on pharmacy, dining, movies and sports (10 RP/₹100, 4 RP = ₹1); 0.5% on all others; free Noise smartwatch + FITPASS + Netmeds
SBI Card PULSE is best for Health-conscious individuals wanting wellness memberships, gym access and pharmacy rewards. The SBI Card PULSE is exceptional value in Year 1, the Noise smartwatch alone is worth 5x the joining fee. The annual FITPASS PRO and Netmeds memberships add genuine health value for active lifestyle users. If you spend on pharmacy, dining and movies AND use a gym, this card pays for itself quickly. Non-fitness users should look elsewhere.
The minimum income requirement for SBI Card PULSE is ₹25,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, SBI Card PULSE offers 4 complimentary domestic visits a year (1 per quarter), plus a complimentary Priority Pass membership worth US $99 for the first two years.
SBI Card PULSE charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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Card reviews
Axis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
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SBI Card PULSE₹1,499 + taxes
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