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SBI Card PULSE
SBI Card PULSE is a health-and-fitness-themed lifestyle card whose standout feature is a Noise smartwatch worth ₹7,999 handed out on joining fee payment, which alone can exceed the card's cost. It earns 10 points per ₹100 (roughly 5%) on dining, pharmacy, movies, and sports spend, and bundles a year of FITPASS PRO and Netmeds First memberships that suit an active, wellness-focused spender. The catch is that its bonus categories are lifestyle-niche rather than everyday essentials like groceries or fuel, so its real-world earning rate depends heavily on lifestyle fit.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: 4 complimentary domestic lounge visits/year (max 1/quarter), plus a 2-year complimentary Priority Pass membership worth $99 for additional paid-entry lounge access
- International lounge access: 4 complimentary domestic lounge visits/year (max 1/quarter), plus a 2-year complimentary Priority Pass membership worth $99 for additional paid-entry lounge access
- Insurance benefits: Fraud liability cover of ₹1 lakh, baggage loss cover of ₹72,000, baggage delay cover of ₹7,500, travel document loss cover of ₹12,500, and flight delay cover of ₹7,500 — a fairly complete travel-protection bundle for a mid-tier card
Benefits by category
- 🍽️ Dining & food delivery
10% reward rate
- ✈️ Travel
4 complimentary domestic lounge visits/year (max 1/quarter), plus a 2-year complimentary Priority Pass membership worth $99 for additional paid-entry lounge access
- 🛡️ Insurance
Fraud liability cover of ₹1 lakh, baggage loss cover of ₹72,000, baggage delay cover of ₹7,500, travel document loss cover of ₹12,500, and flight delay cover of ₹7,500 — a fairly complete travel-protection bundle for a mid-tier card
- ⛽ Fuel
1% fuel surcharge waived at the pump, capped at ₹250 per billing cycle
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Fuel surcharge waiver: 1% fuel surcharge waived at the pump, capped at ₹250 per billing cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- Noise ColorFit Pulse 4 Pro smartwatch (worth ₹7,999) dispatched once the joining fee is paid, effectively making the card free in year one for most applicants
- Complimentary 1-year FITPASS PRO membership (gym and fitness-class access) and 1-year Netmeds First membership (pharmacy discounts and free delivery)
- ₹1,500 e-voucher awarded on crossing ₹4,00,000 in spend within a card anniversary year
- 4 complimentary domestic lounge visits/year (max 1/quarter), plus a 2-year complimentary Priority Pass membership worth $99 for additional paid-entry lounge access
- Fraud liability cover of ₹1 lakh, baggage loss cover of ₹72,000, baggage delay cover of ₹7,500, travel document loss cover of ₹12,500, and flight delay cover of ₹7,500 — a fairly complete travel-protection bundle for a mid-tier card
- 1% fuel surcharge waived at the pump, capped at ₹250 per billing cycle
Pros
- + Noise smartwatch worth ₹7,999 as a welcome gift, largely offsetting the joining fee
- + 5x points on dining, pharmacy, movies, and sports spend
- + 1-year FITPASS PRO and Netmeds First memberships included
- + 4 domestic lounge visits/year plus a 2-year Priority Pass membership
- + Above-average travel insurance bundle for a mid-tier card
Cons
- − Bonus categories are lifestyle-niche, not everyday spend like groceries or fuel
- − Forex markup and APR are not disclosed on the official product page
- − Milestone voucher requires a fairly high ₹4,00,000 annual spend to unlock
Best for
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