State Bank of India SBI PULSE Credit Card Review
Dining card with lounge access
The State Bank of India SBI PULSE has a ₹1,499 annual fee + GST, waived on ₹2,00,000 annual spend. It earns 0.5% back on regular spends and up to 2.5% on Dining, with 4 domestic airport lounge visits a year. Best for: health, fitness and dining spenders wanting bundled memberships — our verdict: recommended.
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The SBI PULSE is a wellness-tilted mid-tier card pairing uncapped 5X earning on dining, entertainment and healthcare with complimentary FITPASS PRO and Netmeds memberships and 4 domestic lounges, the Rs. 1,499 fee waived at Rs. 2 lakh spend. The 0.25-per-point value, chargeable international lounges and 3.5% forex markup keep it a domestic lifestyle card.
Dining card with lounge access
The Bottom Line
The SBI PULSE is built for health and wellness spender and mid-tier lifestyle user. With a ₹1,499 annual fee that is waived on ₹2,00,000 yearly spend, it offers 2.5% rewards on dining and a welcome benefit worth ₹7,999. It makes the most sense if your spending matches health and wellness spender and mid-tier lifestyle user.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Health and wellness spender, Mid-tier lifestyle user. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSomeone who spends on healthcare, fitness and dining and values the FITPASS PRO and Netmeds First memberships alongside 5X earning on those categories.
A cardholder spending around Rs. 2 lakh a year who clears the fee waiver while using the dining and entertainment acceleration.
Probably not for
SkipWith chargeable international lounge visits and a 3.5% forex markup, it is weak for overseas use.
The 0.25-per-point value limits returns for anyone chasing high effective reward rates.
Is It Worth It For You?
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Reward Rates
SBI PULSE offers 0.5% basic reward rate.
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Welcome Offer
Noise ColorFit Pulse 4 Pro smartwatch (worth ~Rs. 7,999) as joining gift, plus complimentary FITPASS PRO membership and Netmeds First membership for one year (renewed annually on payment of annual fee).
Milestone Benefits
Annual/renewal fee of Rs. 1,499 reversed on annual spends of Rs. 2,00,000.
E-voucher worth Rs. 1,500 (Netmeds) on achieving annual retail spends of Rs. 4,00,000.
Fees & Charges
Eligibility
- Min Income: ₹2 Lakhs
- Min Credit Score: 750
- Age 21-60; salaried or self-employed; min annual income ~Rs 2L; health/fitness lifestyle card; 10 RP per Rs 100 on pharmacy, dining, movies and chemist.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
8 data-backed answers from our card database
Ready to apply?
₹1,499 annual fee. Apply on the State Bank of India website.
Apply on State Bank of India →We may earn a commission if you apply through this link. It never affects our ratings.
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