SBI Card PULSE
The card that keeps your health and heart in sync
Annual Fee
₹1,499
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The SBI Card PULSE is a unique offering that bundles fitness and health benefits with standard credit card features. The welcome gift of a smartwatch almost pays for the fee for over three years, making it an excellent value proposition for the first year.
Quick Match
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Your Estimated Value
Year 1
+₹6,500
Includes ₹4,999 bonus
Year 2+
+₹1,501
Fee waiver eligible!
Why get this card
Complimentary Noise ColorFit Pulse Smartwatch as a welcome gift worth 4,999
Free 1-year Fitpass Pro and Netmeds First memberships
Accelerated 10 Reward Points per 100 spent on Chemist, Pharmacies, Dining, and Movies
Domestic and International lounge access is rare for this fee segment
+1 more benefits
- Low annual fee waiver threshold of 2 Lakhs
Watch out for
Welcome gift and health memberships require fee payment and are not available on fee waiver
Reward points on non-accelerated categories are relatively low (0.5% value)
Reward points cannot be earned on fuel and rental payments
+1 more considerations
- Netmeds voucher milestone requires a high spend of 4 Lakhs
Who is this card for?
Best for
Health Enthusiasts
Users who actively use Fitpass for gym access and regularly purchase medicines or health services.
Occasional Travelers
Individuals seeking both domestic and international lounge access at a mid-tier price point.
Skip if you're
High Cashback Seekers
Users who prefer direct cashback over reward points and health-specific vouchers.
Base Earning
2 Reward Points
per ₹100 spent
0.5%
effective rate
Point value: ₹0.25/point
Bonus Categories
HEALTH_DINING_MOVIES
5×
2.5% return
Welcome Offer
Complimentary Noise ColorFit Pulse Smartwatch and 1-year Netmeds First Membership on payment of joining fee.
₹4,999
value
within 30 days
Milestones
Spend ₹2.0L
Annual fee waiver for the next year upon spending 2 Lakhs in a year.
Spend ₹4.0L
Netmeds E-Voucher worth 1,500 on reaching annual spends of 4 Lakhs.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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