Explore SBI Pulse Credit Card benefits, rewards, welcome gift worth ₹7,999, health memberships, airport lounge access & milestone rewards. Check fees & eligibility before applying.
SBI Pulse Credit Card Review 2025 – Complete Guide
The SBI Pulse Credit Card is one of the most versatile lifestyle and health-focused credit cards offered by SBI Card. It not only rewards you on shopping, dining, and entertainment but also takes care of your health and fitness needs. With exclusive welcome gifts, complimentary memberships, reward points, and airport lounge access, this card is designed to deliver all-round benefits.
If you are planning to apply for a card that offers lifestyle, health, travel, and insurance benefits – the SBI Pulse Credit Card can be a great choice. Let’s explore its features in detail.
Key Benefits of SBI Pulse Credit Card
1. Welcome Benefit
- Get a Noise ColorFit Pulse 4 Pro Smartwatch worth ₹7,999 absolutely free as a welcome gift.
- This benefit is available on successful joining and activation of the card.
2. Health Benefits
Since this is a health-focused credit card, you get premium wellness memberships:
- Complimentary FITPASS Pro Membership for 1 year (renewed every year on card renewal).
- Netmeds First Membership for 1 year (renewed on every annual renewal).
- Avail discounts on medicines and order online with home delivery.
3. Reward Points
- Earn 10 Reward Points per ₹100 spent on:
- Chemists & Pharmacies
- Sports & Fitness
- Dining
- Movies & Entertainment
- Earn 2 Reward Points per ₹100 spent on all other categories.
- 1 Reward Point = ₹0.25 (25 paise).
4. Milestone Benefits
- Spend ₹2,00,000 in a year → Next year’s annual fee waived.
- Spend ₹4,00,000 in a year → Annual fee waiver + ₹1,500 gift voucher.
5. Airport Lounge Access
- Domestic Lounge Access: 8 complimentary visits per year (2 per quarter).
- International Lounge Access: Available via Priority Pass Membership.
6. Insurance Coverage
The SBI Pulse Credit Card offers extensive travel and accidental coverage:
- Fraud liability cover: ₹1,00,000
- Air accident insurance: ₹50,00,000
- Loss of baggage: Up to ₹72,000
- Flight delay: Up to ₹7,500
- Loss of travel documents: Up to ₹12,500
7. Fuel Benefits
- 1% fuel surcharge waiver on transactions between ₹500 – ₹4,000 at any fuel station in India.
- Maximum savings up to ₹250 per month (₹3,000 annually).
8. Easy EMI & Add-On Cards
- Convert transactions above ₹2,500 into easy monthly EMIs.
- Get Add-on Cards for family members above 18 years.
9. Contactless Payments
- Comes with Tap & Pay feature for transactions up to ₹5,000.
Fees & Charges of SBI Pulse Credit Card
- Joining Fee: ₹1,499 + GST
- Annual Renewal Fee: ₹1,499 + GST (waived on ₹2 lakh annual spend)
- Cash Withdrawal Fee: 2.5% of amount withdrawn
- Finance Charges: 3.75% per month (45% annually)
- Forex Markup Fee: 3.5% of transaction amount
Eligibility Criteria
To apply for SBI Pulse Credit Card, you need:
- PAN Card
- Valid Identity Proof
- Address Proof
- Stable Income Source
Both salaried and self-employed individuals can apply.
Final Verdict – Is SBI Pulse Credit Card Worth It?
The SBI Pulse Credit Card is an excellent choice if you want a health + lifestyle + travel benefits card. The welcome gift itself covers the joining fee, while complimentary memberships, milestone rewards, and lounge access make it highly valuable. If you spend regularly on health, dining, and entertainment, this card can deliver great savings.
👉 You can apply for the SBI Pulse Credit Card online through the official SBI Card website or trusted partner links.