Card Image
SBI Pulse
Annual Fee
₹1,499
Rewards/₹100 ⓘ
₹0.25 - ₹1.25
Normalized to balance base rate with bonus categories
Interest Rate
40.80%
Credit Score
720+
At a Glance
Key Benefits
Reward points
Lounge Access
4 domestic lounges/year
Eligibility
Any income level, CIBIL: 720+
Quick Details
Annual Fee
₹1,499
#195
Joining Fee
₹1,499
#196
Interest Rate
40.80% p.a.
#68
Forex Markup
3.50%
#75
Rewards/₹100
₹0.25 - ₹1.25
#175
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
4/year
#61
Min Credit Score
720+
#154
Min Monthly Income ₹NaN
Network VISA
Late Payment Fee 15.00% (min ₹100)
Over Limit Fee ₹600
Cash Advance Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹2,00,000/yr
Reward Structure
Base
All Spends
₹0.25 /₹100
Base
Healthcare
₹1.25 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Milestone Benefits
Renewal Benefit
Annual fee waiver on Rs. 200000 annual spend
Spend ₹2,00,000 within 365 days
₹1,499
value
Airport Lounge Access
Domestic Free
4
visits per year
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days of loss/theft.
Fraud
₹0
Zero liability for unauthorized transactions.
Quick Analysis
A lifestyle card focused on health and wellness with unique category bonuses.
Pros
- Bonus points on healthcare, OTT subscriptions, lounge access
Cons
- Higher fee than basic cards, specific category focus
Best For
Healthcare and wellness spending, pharmacy rewards
Not Ideal For
Niche focus may not suit everyone
Frequently Asked Questions
What is the annual fee for SBI Pulse?
The annual fee is Rs. 1499. The fee can be waived on spending Rs. 200000 annually.
What are the eligibility requirements for SBI Pulse?
A good credit score of 720+ is recommended. Income requirements vary based on your relationship with the bank.
Does SBI Pulse offer lounge access?
Yes, the card offers complimentary airport lounge access.
What rewards does SBI Pulse offer?
The card offers reward value ranging from 0.50% to 2.50% depending on spend categories.
What is the forex markup on international transactions?
The forex markup is 3.50% on international transactions.
Which payment network does SBI Pulse use?
The card is issued on the Visa network.
User Reviews
Ready to Apply for SBI Pulse?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.