Visa, Mastercard 📡 Contactless NFC

SBI Card PULSE

Joining Fee₹1,499

Annual Fee₹1,499

Forex Markup 3.5%

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⚖️ Card Verdict & Target Persona

Who Should Apply

Health-conscious individuals and families spending heavily on medical pharmacy, chemist bills, dining, and movies wanting 10X reward points and 8 domestic lounge visits.

Who Should Avoid

Users seeking international lounge access or general e-commerce cashback.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Complimentary 1-year FITPASS Pro membership + Netmeds First subscription upon payment of joining fee and realization

10X Rewards on Medical, Dining & Movies

Earn 10 Reward Points per ₹100 (2.5% return) on Chemist, Medical, Dining, and Movie ticket purchases.

Free FITPASS Pro & Netmeds First Memberships

Complimentary 1-year FITPASS Pro membership + Netmeds First subscription on card setup and annual renewal.

Domestic Airport Lounge Access

8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter).

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

2 Reward Points per ₹100 spent on all other regular retail purchases (0.50% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

10 Reward Points per ₹100 (2.50% return; 1 RP = ₹0.25) on Chemist, Medical, Dining, and Movie spends (capped at 3,000 points/month); ₹1,500 brand voucher on ₹4L annual spend

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Direct Statement Credit (1 RP = ₹0.25), SBI Rewards Catalog Vouchers & Health Merchandise

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹200,000/yr

Annual renewal fee of ₹1,499 + GST is waived off on spending ₹2,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹40,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the SBI Card PULSE

Annual Fee: ₹1,499/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, SBI Card PULSE has a joining fee of ₹1499 and an annual renewal fee of ₹1499 (plus applicable taxes).

SBI Card PULSE ₹1,499/yr