SBI Card PULSE
SBI Card PULSE is built for health-conscious urban professionals. Earns accelerated reward points on chemist and pharmacy, dining, movies and sports. The welcome benefit is a Noise ColorFit Pulse 4 Pro smartwatch SBI values at ₹7,999, plus a year of FITPASS PRO and a year of Netmeds First, and there is a ₹1,500 e-voucher at ₹4 lakh of annual retail spend.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹7,999 in vouchers, points or cashback on card activation
2.5% on Dining
10 reward points per ₹100 (2.5%) on dining, movies, sports, chemist and pharmacy spends (1 point = ₹0.25). SBI caps accelerated points at 7,500 a calendar month across all of those categories together
0.5% on Other
2 reward points per ₹100 on all other eligible spends
️ Airport Lounge Access
1 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹1,499 + 18% GST (₹1,769 all-in)/yr fully waived when you spend ₹2,00,000/year
OTT Subscription
Complimentary FITPASS PRO and Netmeds First memberships, renewed each year on card renewal — both conditional on paying the fee and making at least one retail transaction
Milestone Bonus
~₹1,500 in bonus rewards on hitting annual spend milestones
️ Insurance Cover
Fraud liability cover ₹1 lakh, lost check-in baggage up to ₹72,000, baggage delay ₹7,500, lost travel documents up to ₹12,500 and flight delay up to ₹7,500
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 2.5% | ₹1,875 |
| Other | reward points | 0.5% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,769 |
| Joining fee (incl. 18% GST) | ₹1,769 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹10,000/yr in total.
️ lounge access ~ ₹5,000 /yr
4 complimentary domestic airport lounge visits a year (1 per quarter), with no spend condition, plus a complimentary Priority Pass membership worth $99 for the first two years — the membership only, international visits are paid
cobranded ott ~ ₹2,500 /yr
Complimentary FITPASS PRO and Netmeds First memberships, renewed each year on card renewal — both conditional on paying the fee and making at least one retail transaction
milestone bonus ~ ₹1,500 /yr
₹1,500 e-voucher on ₹4 lakh of annual retail spend
️ insurance ~ ₹1,000 /yr
Fraud liability cover ₹1 lakh, lost check-in baggage up to ₹72,000, baggage delay ₹7,500, lost travel documents up to ₹12,500 and flight delay up to ₹7,500
Spend milestone
· ₹4,00,000 a year ₹1,500 of value
Should you get it?
Best for: Cult.fit / gym membership holder, Regular pharmacy and diagnostic centre visitor, Practo or HealthifyMe user, Health-conscious professional with ₹3K+ monthly health budget
Mid tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Dining ( 2.5% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- Noise ColorFit Pulse 4 Pro smartwatch worth ₹7,999 on joining — more than five times the fee
- Accelerated reward points on gym memberships, pharmacy, diagnostics, and health apps
- Complimentary FITPASS PRO and Netmeds First health memberships each year
- ₹1,500 e-voucher once your annual retail spend reaches ₹4 lakh
- Five-part travel and fraud insurance cover, plus a Priority Pass membership for two years
- One of the few Indian cards that rewards health spending as a category
✕ Cons
- Value entirely concentrated in health categories — below-average earn on all other spends
- Requires ₹3,000+/month genuine health spend to justify the ₹1,499 annual fee
- Lounge access is a thin 4 domestic visits a year and no complimentary international visits — a Priority Pass membership is included, but the visits themselves are paid
- The bundled insurance is travel and fraud cover, not health cover, on a health-themed card
- ₹1,499 fee — the joining fee is not waivable, though the renewal fee is reversed on ₹2 lakh of annual spend
Eligibility & documents
Min. income
₹50,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / address proof
- Income proof (salary slips or ITR)
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Redeem reward points for statement credit and catalogue products at ₹0.25 each
🎁 Gift vouchers via the SBI Card rewards catalogue
What your SBI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Capped at 60,000 pts/month from Apr 2026
Rewards catalogue / vouchers BEST Vouchers & merchandise
The concern Outside health categories the card is ordinary — it needs ₹3,000+/month of genuine health spend to beat generalist alternatives.
The bottom line
SBI Card PULSE fills a unique wellness niche by providing meaningful reward acceleration on pharmacy, sports, and fitness expenditures, paired with a bundled smartwatch welcome gift that substantially offsets the initial fee. For urban professionals regularly utilizing fitness apps, gym passes, and health subscriptions, the overall value proposition is well-balanced.
Sources & verification
Fees, reward rates, and benefits for the SBI Card PULSE are taken from SBI Card 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 5 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2021 · 3 changes · last change Jan 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 1 change — 1 cut
▼ Lounge Effective 10 Jan 2026
Domestic lounge visits halved
8 per year (max 2 per quarter) → 4 per year (max 1 per quarter)
Under SBI Card's revised domestic lounge programme effective 10 January 2026, PULSE complimentary domestic lounge visits were cut from 8 to 4 a year (from 2 to 1 per quarter), with access restricted to the Set A lounge list.
Verification: SBI Card ↗ · Confidence: High
2025 1 change — 1 cut
▼ Benefit Effective 15 Jul 2025
Complimentary air accident cover withdrawn
₹50 lakh cover → None
SBI Card discontinued the complimentary ₹50 lakh air accident insurance cover on PULSE with effect from 15 July 2025, with no replacement benefit offered.
Verification: SBI Card ↗ · Confidence: High
2021 1 change — 1 neutral
◆ Launch Effective 15 Dec 2021
SBI Card PULSE launched
SBI Card launched PULSE, a first-of-its-kind health-and-wellness card at ₹1,499 fee — 10 reward points per ₹100 on pharmacy, dining and movies (2 elsewhere), a Noise ColorFit PULSE smartwatch worth ₹4,999 as welcome gift, and one-year FITPASS PRO + Netmeds First memberships.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: SBI Card PULSE value timeline — CardAdvisor
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Quick summary
Type Mid credit card
Reward rate 0.5%–2.5%
Best for Cult.fit / gym membership holder
Joining fee ₹1,499
Annual fee ₹1,499
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 5 Aug 2026
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280 cards analysed — August 2026
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