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SBI Card PULSE
A health-and-fitness-themed card with a strong smartwatch welcome gift and 5x rewards on pharmacy, dining, movies, and sports — but its bonus categories are lifestyle-niche rather than everyday spend.
Rates and fees last verified 19 July 2026.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Mid
Reward rates by category
- Dining10%
- Other10%
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- Noise ColorFit Pulse 4 Pro smartwatch (worth ₹7,999) on payment of the joining fee
- Complimentary 1-year FITPASS PRO membership and 1-year Netmeds First membership
- ₹1,500 e-voucher on ₹4,00,000 annual spend
- 4 complimentary domestic lounge visits/year (max 1/quarter), plus 2-year complimentary Priority Pass membership worth $99
- Fraud liability cover ₹1 lakh, baggage loss cover ₹72,000, baggage delay ₹7,500, travel document loss ₹12,500, flight delay ₹7,500
- 1% fuel surcharge waiver, capped at ₹250 per billing cycle
Pros
- + Noise smartwatch worth ₹7,999 as a welcome gift
- + 5x points on dining, pharmacy, movies, and sports
- + 1-year FITPASS PRO and Netmeds memberships included
Cons
- − Bonus categories are lifestyle-niche, not everyday spend like groceries/fuel
- − Forex markup and APR not disclosed on the product page
Applying takes you to SBI Card's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.