CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
SBI Card

SBI PULSE Credit Card

23
Ranked #154 of 170 in credit
creditVisa/MastercardMid-Wellness

SBI's wellness-and-lifestyle card bundling a smartwatch, gym membership (FITPASS PRO), and pharmacy membership (Netmeds First) as a strong first-year welcome package, with accelerated rewards on pharmacy/dining/movies/sports and decent domestic lounge access.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value4/100 · weight 71%
≈ 0.20% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.4% score bonus — earns broadly without narrow category restrictions.
Fee efficiency87/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks32/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹1,499 + 18% GST
= ₹1,769 total
Annual fee
₹1,499 + 18% GST
= ₹1,769 / year total
Waiver: Waived on annual spend of Rs2,00,000+
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
dining_offlinepoints0.63%(2.5 pts @ ₹0.25)₹5,000 / monthly10 pts/Rs100 = 2.5%, capped 5,000pts/statement cycle
online_spendspoints0.25%(1 pts @ ₹0.25)——
diningpoints0.25%(1 pts @ ₹0.25)——
fuelpoints0.25%(1 pts @ ₹0.25)——
groceriespoints0.25%(1 pts @ ₹0.25)——
travelpoints0.25%(1 pts @ ₹0.25)——
all_spendspoints0.13%(0.5 pts @ ₹0.25)—2 pts/Rs100 base rate

Welcome offer

Noise ColorFit Pulse 4 Pro smartwatch e-voucher (worth ~Rs7,999) + 12-month FITPASS PRO + Netmeds First membership, on joining fee payment

Milestone benefits

Pros

  • Strong welcome bundle (smartwatch + FITPASS PRO + Netmeds First) makes first-year value very strong relative to fee
  • solid 5% effective rate on pharmacy/dining/movies/sports
  • achievable Rs2L fee waiver
  • decent domestic lounge access with (per most recent source) no spend condition currently attached

Cons

  • CONFLICT on lounge spend-condition (see notes)
  • fuel earns zero points
  • accelerated categories capped at 5,000pts/cycle
  • low Rs0.25/pt base redemption value

What's inside

More benefits

  • FITPASS PRO membership

    ₹3,000

    12-month gym network access (up to 12 sessions/month), AI coaching, nutrition plans

    Cap ₹3,000 / yearly. Joining/renewal fee payment + 1 activation transaction within 12 months

  • Netmeds First membership

    Free medicine delivery, discounted healthcare services, pharmacy savings

    yearly. Card renewal

Insurance cover

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₹NaN

Eligibility

text
Age 21-65; income ~Rs3L+ p.a. indicative

Small print

Fuel surcharge:1% waiver, standard range