Contents
- 1 SBI Card PULSE Review (2026)
SBI Card PULSE Review (2026)
Quick verdict: The SBI Card PULSE is best for health & fitness. It earns 5X on pharmacy, dining, movies, with an annual fee of Rs 1,499 (waiver on Rs 2L spend). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.
Overview
The SBI Card PULSE is a fitness-and-wellness card whose welcome bundle — a Noise smartwatch plus FITPASS PRO and NetMeds memberships — sets it apart, alongside accelerated rewards on chemist, dining and movie spends.
With domestic lounge access and a two-year Priority Pass, it suits health-conscious users who also want everyday travel perks.
Fees & Charges
| Joining / annual fee | Rs 1,499 + GST (waived on Rs 2 lakh spend) |
| Accelerated reward | 5X reward points on chemist, pharmacy, dining and movies |
| Base reward | 2 reward points per Rs 100 |
| Welcome bundle | Noise smartwatch + 1-year FITPASS PRO + 1-year NetMeds membership |
| Lounge access | 8 domestic/year + 2-year Priority Pass |
| Milestone | Rs 1,500 e-voucher on Rs 4 lakh spend |
| Finance charge | ~3.5% per month (about 42% p.a.) |
Rewards & Benefits
- 5X reward points on chemist, pharmacy, dining and movie spends; 2 per Rs 100 elsewhere.
- Welcome Noise smartwatch plus one-year FITPASS PRO (partner gyms) and NetMeds memberships.
- 8 complimentary domestic airport lounge visits a year (2 per quarter).
- Complimentary Priority Pass membership for the first two years for international lounges.
- Rs 1,500 milestone e-voucher on Rs 4 lakh annual spend and a fuel surcharge waiver.
Pros & Cons
Pros
- Unique fitness welcome bundle (smartwatch, FITPASS)
- 5X on pharmacy, dining and movies
- Domestic lounges plus 2-year Priority Pass
- Reachable Rs 2 lakh fee waiver
Cons
- Best value if you use the fitness perks
- 2 RP per Rs 100 base rate is modest
- Reward point value about Re 0.25
- Priority Pass free only for 2 years
Who Should Get This Card?
- Health and fitness enthusiasts
- People who spend on pharmacy, dining and movies
- Those who want lounge access with wellness perks
Ready to apply?
Applications are processed on the issuer’s official, secure website.
Apply for SBI Card PULSE →Frequently Asked Questions
What makes the SBI PULSE different?
Its fitness focus — a welcome Noise smartwatch plus FITPASS PRO gym access and NetMeds memberships — alongside 5X rewards on pharmacy, dining and movies.
Does it offer lounge access?
Yes, 8 domestic airport lounge visits a year plus a complimentary Priority Pass for the first two years.
Is the fee worth it?
If you use the fitness memberships and the smartwatch, the first-year value can exceed the Rs 1,499 fee, which is also waived on Rs 2 lakh spend.
How to Get the Most from the SBI Card PULSE
- Use it where it is strongest — health & fitness — where it earns 5X on pharmacy, dining, movies; route other spends to a card that rewards them better.
- Always pay the full statement balance by the due date so interest never eats your rewards.
- Track the fee and its waiver (Rs 1,499 (waiver on Rs 2L spend)) and aim to cross the waiver spend if the card is worth keeping.
- Redeem rewards regularly through the highest-value option so points or cashback never lapse.
- Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.
Eligibility & Documents
Exact criteria depend on SBI Card and the card variant, but for the SBI Card PULSE you will usually need:
- Age: generally 18–65 years.
- Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
- Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
- Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.
Existing SBI Card customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.
How Rewards Work & Redemption
This card earns 5X on pharmacy, dining, movies. To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.
Plan Smarter With Free Tools
Get more out of this card with our free, no-login calculators and guides:
- EMI Calculator — work out the real cost before converting a big purchase to EMI.
- Interest Calculator — see how much revolving a balance actually costs you.
- Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
- Learn Hub — quizzes, flashcards and guides to sharpen your money skills.
- Compare all 60 cards — see how this card stacks up against the rest.
Related Credit Cards
Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:
- Axis Bank MyZone Credit Card — Entertainment & lifestyle
- SBI Card ELITE — Lifestyle & movies
- Swiggy HDFC Bank Credit Card — Food delivery & dining
- HSBC Live+ Credit Card — Dining, groceries & food delivery
- ICICI Bank Coral Credit Card — Entry-level lifestyle
Important: Information is for general guidance only, not financial advice, and was verified in June 2026. Card fees, reward rates and benefits change often — confirm the latest terms on the issuer’s official website before applying.