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SBI Card PULSE Review 2026: Fees, Rewards & Health Benefits

Explore SBI Card PULSE features: 10X rewards on pharmacies, free Noise Smartwatch, and FITPASS PRO membership. Check fees, eligibility, and lounge access det...

Vyaya Team · Mar 2026
5 min read
Value Score
7.2 / 10
Annual Fee
₹1,499
Best For
health-enthusiast, frequent-pharmacy-shopper
Network
Visa
Expert Verdict

The SBI Card PULSE is a niche but effective card for those who spend significantly on health and wellness. Its welcome gift and annual memberships provide immediate value that exceeds the joining fee, though its base reward rate is mediocre.

SBI Card PULSE credit card by SBI Card - Visa network
REWARD SUMMARY
0.5% Base Rewards
The card that keeps your health and rewards in sync.
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The Bottom Line

The SBI Card PULSE is a niche but effective card for those who spend significantly on health and wellness. Its welcome gift and annual memberships provide immediate value that exceeds the joining fee, though its base reward rate is mediocre. With a ₹1,499 annual fee that is waived on ₹2,00,000 yearly spend, it offers 0.62% rewards on pharmacy & chemists and fitpass pro membership. For anyone researching sbi card pulse, the verdict is simple: recommended.

It earns a base reward rate of 0.5% and stacks best when your spending lines up with health-enthusiast, frequent-pharmacy-shopper. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.

What we like
+Complimentary Noise ColorFit Pulse Smartwatch worth up to ₹7,999 as a welcome gift.
+Annual FITPASS PRO and Netmeds First memberships worth over ₹4,000.
+High 2.5% reward rate (10 RP per ₹100) on pharmacies, chemists, dining, and movies.
+8 complimentary domestic lounge visits per year (2 per quarter).
What we don't
–Low base reward rate of 0.5% on non-accelerated categories.
–Priority Pass membership does not include any complimentary international visits.
–Milestone voucher of ₹1,500 requires a high annual spend of ₹4 Lakhs.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
health-enthusiast

Offers dedicated memberships for gyms (FITPASS) and online medicine (Netmeds) along with high rewards on pharmacy spends.

Best value above ₹20,000/month
+
frequent-pharmacy-shopper

The 10X rewards on chemists and pharmacies make it one of the best cards for medical expenses.

Best value above ₹15,000/month

Probably not for

Skip
–
low-spender

The ₹1,499 annual fee is only waived at ₹2 Lakhs spend, which might be hard for casual users.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

🍽️
Dining
0₹5,000Max ₹50k
Est. Returns
✈️
Travel
0₹10,000Max ₹1L
Est. Returns
🛒
Shopping
0₹8,000Max ₹80k
Est. Returns
🥬
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Annual fee-₹1,499
Net Value (Year 1)₹-1,499
Net Value (Year 2+)₹-1,499
Progress to fee waiver0%

Spend ₹2,00,000 more to waive annual fee

Sign in for personalized estimates based on your actual spending

Reward Rates

SBI Card PULSE offers 0.5% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
Pharmacy & Chemists
0.62%
Dining
0.62%
Movies
0.62%

Milestone Benefits

Spend ₹200,000

Bonus Points

Spend ₹400,000Value: ₹1500

Bonus Points

Fees & Charges

Joining fee₹1,499
Annual fee₹1,499
Fee waiverSpend > ₹2,00,000

Eligibility

  • Min Income: ₹2 Lakhs
  • Min Credit Score: 750
  • Available for salaried and self-employed individuals aged 21-60 years.

Exclusions & Terms

Fuel

    Wallet Uploads

      Cash Advances

        Balance Transfer

          Encash

            Financial Charges

              Compare with Alternatives

              Feature
              SBI Card PULSE by SBI Card - credit card comparison
              SBI Card PULSE
              SBI Card
              Current Card
              Axis Bank My Zone Credit Card by Axis Bank - credit card comparison
              Axis Bank My Zone Credit Card
              Axis Bank
              View Details
              Annual Fee
              ₹1,499
              ₹500
              Joining Fee
              ₹1,499
              ₹500
              Reward Rate
              0.5%
              0.2%
              Network
              Visa
              Visa
              Best For
              health-enthusiastfrequent-pharmacy-shopper
              Entertainment EnthusiastFoodie

              Frequently Asked Questions

              3 data-backed answers from our card database

              What is the welcome gift for SBI Card PULSE?+

              New cardholders receive a Noise ColorFit Pulse Smartwatch (latest variant like Pulse 4 Pro) worth up to ₹7,999 upon payment of the joining fee.

              How many lounge visits are free on SBI Card PULSE?+

              The card offers 8 complimentary domestic airport lounge visits per year, capped at 2 visits per calendar quarter.

              Is the annual fee waived on SBI Card PULSE?+

              Yes, the renewal fee of ₹1,499 is waived if you spend ₹2,00,000 or more in the preceding year.

              Ready to apply?

              ₹1,499 fee. Excellent rewards. Apply now securely.

              Apply on SBI Card →

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