CardsGurujiCompare · Choose · SaveCheck all categoriesCheck all issuers
⌘K
Card Categories
Pick a card that matches how you actually spend.
Card Issuers
Explore cards from India's leading banks.
Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
10 RP on Pharmacy & Dining, 2 RP on others per ₹100
Earn 10 Reward Points per ₹100 spent on Chemist, Pharmacy, Dining, and Movies. Earn 2 Reward Points per ₹100 spent on all other retail purchases. 4 Reward Points = ₹1 (Base redemption value of ₹0.25 per point). Fuel transactions are excluded from reward points.
Redeem for
The privileges that come bundled in, beyond the reward points.
Complimentary 1-year FITPASS Pro membership offering access to 4,000+ gyms and fitness centers across India
Complimentary 1-year Netmeds First membership (includes free delivery, health checkup discounts, and NMS cash)
8 complimentary Domestic Airport Lounge visits per year (maximum 2 visits per quarter)
Complimentary Priority Pass membership with 2 free International Airport Lounge visits per year
Annual fee of ₹2,999 is reversed on achieving an annual retail spend of ₹2,00,000 in the previous anniversary year
Complimentary Air Accident Liability Cover of ₹50 Lakhs and Comprehensive Travel Insurance
An honest read on where this card earns its keep — and where it doesn't.
Excellent suite of health and wellness benefits (FITPASS Pro & Netmeds First)
Welcome gift (smartwatch) completely offsets the initial joining fee
Good airport lounge access program covering both domestic and international visits
Easily achievable annual fee waiver target (₹2 Lakhs) for a premium card
High annual fee of ₹2,999 + taxes
Low base reward rate of 0.5% outside of the accelerated categories
Accelerated rewards (10X) are highly restricted to specific MCCs (Pharmacies
Dining
Movies)
Reward point value is only ₹0.25 per point
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how SBI Card Pulse stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for SBI Card Pulse.
A roundup of credit card offers from HDFC, SBI, ICICI, Axis and others for Flipkart's Big Billion Sale 2026.
Unlock massive savings during the 2026 Amazon Great Indian Festival! Discover the top credit cards from ICICI, SBI, and HDFC that offer the best instant discounts, unlimited cashback, and ultimate shopping perks.
RBI's new rules from October 15, 2026 reshape fees, rewards and eligibility for UPI and credit cards in India.
Everything you need to know about SBI Card Pulse fees, reward conversion, lounge access, and application eligibility.
SBI Card Pulse has an annual fee of ₹2,999 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Noise ColorFit Pulse Smartwatch (worth ₹4,999) delivered upon payment of the joining fee.".
SBI Card Pulse earns Reward Points at a primary rate of 10 RP on Pharmacy & Dining, 2 RP on others per ₹100. Specifically, Earn 10 Reward Points per ₹100 spent on Chemist, Pharmacy, Dining, and Movies. Earn 2 Reward Points per ₹100 spent on all other retail purchases. 4 Reward Points = ₹1 (Base redemption value of ₹0.25 per point). Fuel transactions are excluded from reward points.. Spends in Travel, Lifestyle categories provide the maximum valueback per transaction on this card.
Rewards earned on SBI Card Pulse can be redeemed for Pay with Rewards, SBI Card Catalogue, Gift Vouchers via SBI's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
Yes, SBI Card Pulse features complimentary airport lounge privileges. Privileges include: "8 complimentary Domestic Airport Lounge visits per year (maximum 2 visits per quarter)". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of SBI Card Pulse. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
SBI Card Pulse is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
SBI Card Pulse levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
SBI Card Pulse currently features a welcome offer: "Noise ColorFit Pulse Smartwatch (worth ₹4,999) delivered upon payment of the joining fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Excellent suite of health and wellness benefits (FITPASS Pro & Netmeds First) and Welcome gift (smartwatch) completely offsets the initial joining fee. However, keep in mind that High annual fee of ₹2 and 999 + taxes. Overall, SBI Card Pulse delivers strong value if your regular spending aligns with Travel, Lifestyle.
You can apply for SBI Card Pulse directly through SBI's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
