SBI Card Pulse Credit Card

About SBI Card Pulse Credit Card

Are you spending thousands every month on gym memberships, healthy dining, and fitness gear without getting a single rupee back? The SBI Card Pulse Credit Card is designed to change that by rewarding your commitment to a healthy lifestyle.

This card offers a massive upfront value. Just by paying the joining fee, you get a premium smartwatch worth more than five times the fee itself. It is a straightforward deal for anyone who wants their credit card to support their wellness journey while earning solid rewards on daily expenses like dining.

Built for health-conscious professionals earning at least ₹2 lakh annually, this card bridges the gap between a lifestyle accessory and a financial tool. Whether you are hitting the treadmill or grabbing a post-workout meal, this card ensures you save while you stay active.

What sets it apart:

• • Instant Profit: Get a Noise ColorFit Pulse 4 Pro smartwatch worth ₹7,999 for a joining fee of just ₹1,499.
• • Dining Specialist: Earn 2.5% effective value back (10 Reward Points per ₹100) on dining, which is significantly higher than most entry-level cards.
• • Travel Ready: Enjoy 8 complimentary domestic lounge visits a year, a feature usually reserved for much more expensive "Gold" or "Platinum" category cards.

Quick check: To qualify, you will need a minimum annual income of ₹2 lakh and a CRIF credit score of 750 or above. Applicants should be between 21 and 60 years old.

Let's break down why this card might be the smartest addition to your fitness kit:

Key Benefits and Features of the SBI Card Pulse Credit Card

The SBI Card Pulse is more than just a fitness card; it is a well-rounded lifestyle companion. From the moment you activate it, the card starts paying for itself through high-value rewards and travel perks.

Welcome Benefits: Start with a Win

Most cards give you a few reward points as a welcome gift. The SBI Card Pulse gives you a gadget. Upon payment of the ₹1,499 joining fee, you receive a Noise ColorFit Pulse 4 Pro Smartwatch. With a retail value of ₹7,999, you are essentially starting your journey with a net gain of ₹6,500. This makes it one of the most lucrative welcome offers in the Indian credit card market for this fee bracket.

Reward Structure: Earn While You Dine

The reward system is simple to understand. For every ₹100 you spend on dining, you earn 10 Reward Points. Since 1 Reward Point is worth ₹0.25, you are getting a 2.5% value back every time you eat out or order in. For all other categories (except those excluded), you earn 2 Reward Points per ₹100, giving you a 0.5% value back.

Pro Tip: To start earning these rewards, make sure you perform at least one transaction of ₹100 or more within the first 30 days of getting your card. If you miss this window, you might lose out on the reward eligibility.

Annual Fee and Waiver Conditions

The SBI Card Pulse has an annual fee of ₹1,499. While this is a recurring cost, the bank offers an easy way to get it back. If you spend ₹2,00,000 or more in a year, the renewal fee for the next year is completely waived. If you use this card for your monthly groceries, dining, and shopping, hitting that ₹16,700 monthly spend target is quite achievable.

Airport Lounge Access: Travel in Comfort

Standard mid-range cards offer 4 lounge visits a year. The Pulse card doubles that, offering 8 complimentary domestic lounge visits annually (capped at 2 per quarter). This is perfect for the domestic traveler who wants a quiet place to work or a meal before their flight. Additionally, you get a complimentary Priority Pass membership worth US$99 for the first two years. Note that while the membership is free, individual visits via Priority Pass are charged, so use the domestic lounge access for your local trips.

Comprehensive Insurance Protection

Peace of mind is a key part of wellness. This card includes two major insurance covers:

• • Fraud Liability Cover: You are protected for up to ₹1 lakh against unauthorized transactions. This cover is valid from 48 hours before you report the loss of the card until 7 days after reporting.
• • Air Accident Cover: You get a complimentary cover of ₹50 lakh, valid until July 15, 2025.

Fuel Surcharge Waiver

Save every time you fill up your tank. You get a 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000. This is capped at ₹250 per statement cycle, which covers about ₹25,000 worth of fuel spending every month.

How to Apply for the SBI Card Pulse?

The application process for the SBI Card Pulse is straightforward. You can complete most of it online from your phone or laptop.

1. Check Your Eligibility: Before applying, ensure you meet the CRIF score requirement of 750+ and have a minimum annual income of ₹2 lakh.
2. Visit the Portal: Go to the official SBI Card website or use a partner platform like BankKaro to start your application.
3. Fill in Details: Enter your basic information, including your name, contact number, and city.
4. Professional Information: Provide your employment type (Salaried or Self-Employed) and your annual income details.
5. Verify with KYC: An agent will contact you for digital or physical KYC. You will need your PAN and Aadhaar card ready for this step.
6. Document Submission: Upload your income proof (salary slips or ITR).
7. Card Issuance: Once the bank verifies your data, the card is dispatched within 7-10 working days.

Credit Limit: What to Expect

Credit limits are assigned based on your income, credit score, and your existing relationship with the bank. If you have a high CRIF score of 750 or above and a stable income, you can expect a healthy limit that matches your spending needs. For new applicants, the limit ranges from 2x to 3x of their monthly income. Your specific credit limit is confirmed upon approval and provided in your digital welcome kit.

Comparison Table: SBI Card Pulse vs. Competitors

To understand if the SBI Card Pulse is the right fit for you, it is helpful to see how it stacks up against other cards in the lifestyle and health category.

The SBI Card Pulse clearly wins if you value high-quality welcome gifts and travel perks. While the annual fee is higher than the Axis Aura or HDFC Apollo, the inclusion of 8 lounge visits and a ₹7,999 smartwatch makes it a much more premium offering for a slightly higher price point.

Documents Required for SBI Card Pulse Application

You will need to submit the following documents when applying to ensure a smooth approval process:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
• Address Proof: Aadhaar Card, Utility Bills (not older than 2 months), or Rent Agreement.
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements showing salary credits.
• Employment Proof: Office ID card.

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory) and Aadhaar Card.
• Address Proof: Aadhaar Card or Property Tax Receipt.
• Income Proof: Latest 2 years' ITR (Income Tax Returns) with computation of income.
• Business Proof: GST registration or Business registration certificate.

Note: All documents should be clear and self-attested. The bank requires additional documents if there are discrepancies in the application.

Who Should Get This Card?

Should you get this card? Here is who benefits the most from the SBI Card Pulse:

The Fitness Enthusiast: If you were already planning to buy a smartwatch, this card is a no-brainer. You pay a ₹1,499 fee and get a ₹7,999 Noise ColorFit Pulse 4 Pro. It is like getting a 400% return on your investment on day one.

The Regular Diner: If you spend ₹10,000 a month on dining out or ordering via apps, you will earn 12,000 reward points annually just from this category. That is ₹3,000 in statement credit or vouchers, which effectively covers your annual fee twice over.

The Frequent Domestic Traveler: If you fly 3-4 times a year within India, the 8 lounge visits provide immense value. Buying lounge access separately could cost you ₹800 to ₹1,500 per visit. With this card, those comforts are free.

You might want to skip this card if... you do not care for smartwatches or if your spending is primarily on fuel and rent. Since fuel and rent are excluded from reward points, you would be better off with a specialized co-branded fuel card or a high-base-rate cashback card.

BankKaro Expert Review

In my experience reviewing dozens of credit cards, the SBI Card Pulse is one of the most underrated lifestyle cards in the market. Most people get distracted by the "Pulse" name and think it is only for gym-goers, but the real value lies in its travel and dining perks.

The biggest strength of this card is the welcome benefit. It is rare for a bank to offer a physical product that is worth significantly more than the joining fee. It effectively makes the card "free" for the first 5 years if you account for the cost of the watch. Furthermore, offering 8 domestic lounge visits at a ₹1,499 price point is aggressive and very beneficial for the user.

However, the biggest limitation is the exclusion list. Like many recent SBI cards, it excludes "utility," "rent," and "education" from earning rewards. If these make up the bulk of your spending, you won't see much value-back. Also, while the Priority Pass membership is free for two years, the lack of free international visits is a slight letdown.

Our verdict: Choose this card if you want a premium smartwatch for cheap and if you spend regularly on dining and domestic travel. It is a fantastic "entry-to-mid" level card that punches well above its weight class.

Terms and Conditions

Before you apply, keep these specific conditions in mind:

• • SBI Card reserves the right to offer a different card variant based on your specific eligibility and credit profile. Always review the features of the specific card offered to you before final submission.
• • Crucial: You must make a minimum transaction of at least ₹100 within 30 days of receiving the card to activate your reward point eligibility.
• • Reward points are valid for a specific period; refer to the SBI Card rewards portal for expiration details.
• • The Air Accident Insurance is valid until 15 July 2025. Future coverage is subject to bank policy renewals.
• • The joining fee must be paid in full to receive the Noise ColorFit Pulse 4 Pro smartwatch.