SBI Card PULSE Sprint

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.

• Movie & dining: Accelerated points on dining, groceries and wellness/fitness spends.
• Rewards rate: 1% base rate
• Domestic lounge access: 4 complimentary domestic lounge visits per year (max 1 per quarter)
• Insurance benefits: Complimentary health and wellness-linked insurance cover.

• 🍽️ Dining & food delivery

  5% reward rate · Accelerated points on dining, groceries and wellness/fitness spends.

• 🛡️ Insurance

  Complimentary health and wellness-linked insurance cover.

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Minimum monthly income: ₹25,000
• Employment: salaried, self-employed
• Age: 21–65

• 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.
• Foreign currency markup: 3.5%
• Interest rate: 42% p.a.
• Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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.

• Welcome reward points on joining.
• Accelerated points on dining, groceries and wellness/fitness spends.
• Complimentary health and wellness-linked insurance cover.