SBI Card Pulse is a Visa-powered credit card issued by SBI Cards and Payment Services Limited (SBICPSL), India's largest pure-play credit card issuer. It is positioned as a health and lifestyle-oriented credit card that caters to fitness enthusiasts and health-conscious individuals.

• Issued by SBI Cards and Payment Services Limited
• Card network: Visa with contactless PayWave technology
• Annual fee: Rs. 1,499 plus applicable taxes
• Card nature: Standard (open for applications)
• Target audience: Health-conscious individuals, fitness enthusiasts, and those who frequently spend on pharmacy, dining, and entertainment

SBI Card Pulse comes with two complimentary health-related memberships that are renewed every year on card renewal:

• FITPASS PRO Membership: 1 year complimentary membership providing access to thousands of gyms and fitness centres across India
• Netmeds First Membership: 1 year complimentary membership for discounts on medicines and healthcare products

Welcome Gift

On payment of the joining fee, cardholders receive a Noise ColorFit Pulse 4 Pro Smart Watch worth Rs. 7,999 as a welcome gift.

Reward Points

• 10 Reward Points per Rs. 100 spent on Chemist, Pharmacy, Sports, Dining and Movies (2.5% reward rate)
• 2 Reward Points per Rs. 100 spent on all other purchases (0.5% reward rate)
• 4 Reward Points = Rs. 1 (point value: Rs. 0.25 each)

Travel Benefits

• 4 complimentary domestic lounge visits per year (1 per quarter)
• Complimentary Priority Pass membership worth US 9 for first two years
• Comprehensive travel insurance including baggage and flight delay coverage

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, with a maximum waiver of Rs. 250 per statement cycle.

• Noise ColorFit Pulse 4 Pro Smart Watch: Worth Rs. 7,999, received on payment of joining fee
• FITPASS PRO Membership: 1 year complimentary membership for gym and fitness centre access
• Netmeds First Membership: 1 year complimentary membership for healthcare discounts

Both health memberships require payment of joining fee and at least one retail transaction in the first year.

Milestone Benefits

• Renewal Fee Waiver: Annual fee reversed if you spend Rs. 2 Lakhs or more in the previous year
• Spend Milestone: Rs. 1,500 E-Voucher on achieving annual retail spends of Rs. 4 Lakhs

Recurring Benefits

Both FITPASS PRO and Netmeds First memberships are renewed every year on card renewal, making them an ongoing benefit rather than a one-time perk.

SBI Card Pulse cardholders are eligible for 4 complimentary domestic lounge visits per year, capped at 1 visit per quarter. The lounge access is available at select airports across India through the SBI Card lounge program (Set A).

Participating Airports

• Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi, Pune

Priority Pass

Complimentary Priority Pass membership (worth US 9) is provided for the first two years of cardholder membership. However, no complimentary visits are included with the membership. The standard membership is provided only to the primary cardholder.

SBI Card Pulse uses a simple reward points system where you earn points on every purchase:

• 10 Reward Points per Rs. 100: On Chemist, Pharmacy, Sports, Dining and Movies spends (5X accelerated rate)
• 2 Reward Points per Rs. 100: On all other retail purchases (base rate)

Point Valuation

4 Reward Points = Rs. 1, which means each point is worth Rs. 0.25. At the accelerated rate, you effectively earn 2.5% back on health, dining and entertainment spends, and 0.5% on other purchases.

Redemption Options

• Statement Credit: Use points to pay card outstanding (4 RP = Rs. 1)
• Rewards Catalogue: Redeem against products, vouchers, and gifts (Rs. 99 fee applies for physical items)
• E-Gift Vouchers: Convert points to digital gift cards from various brands

Points Expiry

Reward Points are valid for 24 months from the date of earning. Make sure to redeem before expiry.

• Age: 21 to 60 years
• Nationality: Indian resident
• Minimum annual income: Rs. 2 Lakhs (salaried or self-employed)
• CIBIL score: 750 or above recommended

Income Requirements

A stable source of income is required. Both salaried and self-employed individuals can apply. The exact minimum income may vary based on your relationship with SBI and credit profile.

• PAN Card
• Aadhaar Card
• Passport
• Voter ID
• Driving Licence

Address Proof (any one)

• Aadhaar Card
• Utility Bill (not more than 3 months old)
• Driving Licence
• Passport
• Rent Agreement

Income Proof

• Latest salary slips (not more than 3 months old)
• Bank statements for last 3 months
• Latest audited Income Tax Return (ITR)

Other Documents

• Duly signed application form
• Passport size photographs

1. Visit the SBI Card official website at sbicard.com
2. Navigate to Credit Cards and select SBI Card Pulse
3. Click on Apply Now and fill in the online application form
4. Upload required documents (identity, address, and income proof)
5. Submit the application and await approval

Offline Application

1. Visit the nearest SBI branch
2. Collect the credit card application form
3. Fill in the form with all required details
4. Attach copies of all required documents
5. Submit the form at the branch counter

Via SBI Card Mobile App

1. Download the SBI Card mobile app
2. Register and apply for SBI Card Pulse
3. Complete the digital KYC process
4. Track your application status through the app

SBI Card Pulse is a thoughtfully designed credit card that uniquely combines health and lifestyle benefits with a solid rewards program. At Rs. 1,499 annual fee, it delivers excellent value through its Rs. 7,999 welcome gift, complimentary FITPASS PRO and Netmeds First memberships, and 10X reward points on pharmacy, dining, sports and movies.

The card is best suited for health-conscious individuals who regularly spend on medicines, fitness, dining and entertainment. The 4 domestic lounge visits per year and travel insurance add practical travel benefits at this price point. However, those seeking international benefits should look elsewhere due to the 3.5% forex markup and lack of complimentary international lounge visits. Overall, SBI Card Pulse is a strong mid-range option for anyone who values wellness alongside their financial rewards.