SBI Card PULSE benefits
- Rewards10
reward points per ₹100 on dining, movies, pharmacy and sports
up to 7,500 points a month
- Rewards2
reward points per ₹100 on other spends
- Benefit
Netmeds First and FITPASS PRO memberships every year
- Gift
Noise smartwatch voucher after paying the joining fee
Good to know
- Annual fee ₹1,499, waived on ₹2 lakh of yearly spends
SBI Card PULSE rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Dining and food delivery10 reward points per ₹100 on dining, movies, pharmacy and chemist, and sports goods and clubs. These spends share a limit of 7,500 points a calendar month, then earn 2 points per ₹100. | 10 points per ₹100 | 7,500 |
| Everything else | 2 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel, wallet loads, Flexipay and merchant EMI, cash and fees.
All reward rules
- SBI Card's rewards terms value reward points at about ₹0.25 each, so 10 points per ₹100 is about 2.5% back and 2 points is 0.5%.
- Pharmacy, chemist, movies and sports spends also earn 10 points per ₹100, within the same 7,500 point monthly limit.
- A 12-month Netmeds First membership and a FITPASS PRO membership, renewed each year when the renewal fee is paid and you make a transaction.
- Welcome gift: a Noise ColorFit Pulse 4 Pro smartwatch e-voucher after you pay the joining fee.
What the SBI Card PULSE gives back in a year
Say you spend ₹30,000 a month, like our “food and groceries” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹10,000 | 0.5% | ₹600 |
| Dining and food delivery | ₹9,000 | 2.5% | ₹2,700 |
| Online shopping | ₹3,000 | 0.5% | ₹180 |
| Travel | ₹1,000 | 0.5% | ₹60 |
| Fuel | ₹2,000 | 0% | ₹0 |
| Bills and utilities | ₹3,000 | 0.5% | ₹180 |
| Everything else | ₹2,000 | 0.5% | ₹120 |
| Total | ₹30,000 | ₹3,840 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹3,840* |
SBI Card PULSE annual fee and charges
- Joining fee
- ₹1,499
- Annual fee
- ₹1,499
- Fee waiver
- ₹2,00,000 a year
- Foreign currency markup
- 3.5%
Joining fee ₹1,499 and annual fee ₹1,499, both before GST. The renewal fee is waived if you spent ₹2 lakh or more in the previous year.
SBI Card PULSE eligibility
SBI Card does not publish a minimum age or income for this card. SBI Card checks eligibility when you apply.
The bank alone decides approval and your credit limit.
SBI Card PULSE lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
SBI Card's domestic airport lounge programme list does not include PULSE, so we count no lounge visits.
Is the SBI Card PULSE right for you?
A card with a ₹1,499 fee that spending can waive, paying 2.5% on dining and food delivery and a below-average 0.5% elsewhere.
Worth its fee if you spend about ₹14,000 a month or more. Below that, the ₹1,499 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot on dining and food delivery: the card pays 2.5% back there, against 0.5% on most other spends.
- You spend ₹2,00,000 a year or more (about ₹16,700 a month), so the ₹1,499 renewal fee is waived.
Not for you if
- You spend less than about ₹16,700 a month: you would pay ₹1,769 a year with GST.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to SBI Card PULSE
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| SBI Card PULSE | ₹1,499 | 2.5% | ₹2,340* |
| HSBC Live+ Credit Card | ₹999 | 10% | ₹17,100* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
If most of your spending looks like the example above, the HSBC Live+ Credit Card may suit you better: it would leave you ₹15,480 a year, against ₹3,840 with the SBI Card PULSE.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the SBI Pulse Credit Card?
The joining fee and the annual fee are ₹1,499 each, before GST. The renewal fee is waived if you spent ₹2 lakh or more in the previous year.
How many reward points does SBI Card PULSE give?
10 reward points per ₹100 on dining, movies, pharmacy and chemist, and sports, up to 7,500 points a calendar month. Other spends earn 2 points per ₹100. Fuel and wallet loads earn nothing.
What is the value of an SBI Card PULSE reward point?
SBI Card's rewards terms value points at about ₹0.25 each, so the 10X rate is about 2.5% back.
What memberships come with SBI Card PULSE?
A 12-month Netmeds First membership and a FITPASS PRO membership, which renew each year after you pay the renewal fee and make a transaction.