SBI Card PULSE
An innovative wellness proposition in the Indian card market, SBI Card PULSE is built around physical health and preventative care. Cardholders receive a bundled smartwatch and ongoing fitness center passes alongside domestic airport lounge privileges.
Why We Recommend The SBI Card PULSE
A practical, health-oriented lifestyle card whose gym perks and lounge access easily justify its reasonable annual fee.
Fitness enthusiasts, gym regulars, and runners looking to merge health memberships with lounge access.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the SBI Card PULSE?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for SBI Card PULSE
Zero hidden costs. Complete fee schedule verified with SBI Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the SBI Card PULSE
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
8 complimentary domestic lounge visits per calendar year (max 2 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Complimentary Priority Pass membership for 2 years (standard visit fees apply)
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes SBI Card PULSE Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Full health and fitness bundle including unlimited gym workouts via FITPASS PRO.
8 complimentary domestic airport lounge visits per year.
Netmeds First membership covering health consultation discounts and medicine deliveries.
Pros & Cons of the SBI Card PULSE
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Welcome pack (smartwatch + gym membership) delivers immediate tangible value.
- Generous domestic lounge allowance for a ₹1,499 annual fee card.
- 2.5% return on pharmacy and medical bills.
Things to Consider (Cons)
- Complimentary international lounge visits are not included.
- Renewal fee waiver requires an annual spend of ₹2,00,000.
- FITPASS fitness partner centers are predominantly concentrated in tier 1 and tier 2 cities.
Who Can Apply for the SBI Card PULSE?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
710+ Score Recommended
Applicants with a credit score of 710 or higher enjoy fast-tracked approval and preferential credit limits from SBI Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About SBI Card PULSE
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the SBI Card PULSE?
Check your pre-approved credit limit and instant approval eligibility across SBI Bank with 100% paperless verification and zero score impact.