SBI Pulse Credit Card
India’s fitness-first credit card with rewards on health, wellness & pharmacy spends
Network: Rupay | Type: Rewards | Reward: Reward Points
Apply Now
Fees & Charges
- Joining Fee: ₹1,499 + GST
- Annual Fee: ₹1,499 + GST
- Waiver: Waived on ₹2 lakh annual spend
- Foreign Markup: 3.5%
- Fuel Surcharge: 1% surcharge waived at all fuel stations (₹500–₹3,000 per transaction) Max waiver: ₹100/month
- Redemption Fee: ₹99 + GST per redemption request
- Late Payment Fee: ₹0 to ₹1,300 (slab-based; as per SBI policy)
- Interest Rate: 3.5% per month (42% p.a.)
- Cash Advance: 2.5% of amount (min ₹500); interest from Day 1
Credofly Review
SBI Pulse Credit Card is a health and wellness-centric product, designed for people who frequently spend on medical, fitness, and pharmacy services. While the reward rate is modest, the bundled subscriptions and domestic lounge access add decent lifestyle value for an entry-level card.
Rewards & Earnings
– 5 RP/₹100 on pharmacy, fitness & medical spends
– 1 RP/₹100 on all other retail spends
– No RP on fuel, rent, wallet loads, or EMI spends
You earn the highest rewards on Netmeds, health checkups, pharmacy, and gym memberships — great if you spend monthly on health services.
1 RP = ₹0.25 (for statement credit or gift vouchers via SBI portal)
Benefits
- Welcome:
Complimentary Fitpass Pro & Netmeds First (12 months) worth ₹5,000+
- Milestone:
Annual Fee Waiver on spending ₹2 lakh in a card anniversary year.
- Renewal:
Annual Fee Waiver on spending ₹2 lakh in a card anniversary year.
- Lifestyle:
lounge domestic
Why We Like It
We like that SBI has carved a niche with a fitness-first card. It’s one of the rare cards focused on the health and wellness category — which many urban users spend on monthly.
Pros & Cons
✅ Pros
Complimentary Netmeds & Fitpass
Domestic lounge access via RuPay
Health-first card
❌ Cons
Low base reward rate
No international travel benefits
No rewards on rent, wallet loads
Eligibility & Application
Eligibility:
-
Age: 21–60 (salaried), up to 65 (self-employed)
-
Income: ₹25,000+ monthly
-
Credit Score: 700+ preferred
-
Residency: Indian resident with valid PAN & Aadhaar
-
Documents: Income proof (salary slip/ITR), ID, address proof
Approval subject to SBI’s internal credit checks.
How to Apply:
You can apply online in minutes via SBI Cards website or app. Ensure PAN, Aadhaar, and income proof are ready.
FAQs
What is SBI Pulse Credit Card?
A health and fitness-focused card from SBI with pharmacy rewards and bundled memberships.
What is the joining fee?
₹1,499 + GST
Is the fee waived?
Yes, on spending ₹2 lakh in a year
What is Fitpass Pro?
A fitness subscription with access to gyms, fitness videos, and health tracking
What is Netmeds First?
Priority delivery and discounts on Netmeds pharmacy orders
Does it support RuPay UPI?
Yes, it can be linked to UPI apps like BHIM, PhonePe, etc.
Are there lounge benefits?
Yes, 1 domestic lounge per quarter via RuPay
Can I use it for rent or fuel?
Yes, but you won’t earn any reward points on those spends
User Reviews
Users say
There are no reviews yet. Be the first one to write one.
💬 Help others choose better — share your experience with SBI Pulse Credit Card. Your review could guide someone’s next big financial decision. Write a review
Based on 7 responses
Did you find this page helpful?
Why Trust Credofly?
Verified Reviews
Every review is vetted for accuracy and transparency. We show what matters most to real users.
Credofly Score™
Our proprietary score rates cards on 50+ data points across 7 key categories to help you choose better.
SmartCheck™ Verified
Look for the SmartCheck badge — it means our editorial team has manually reviewed and verified the card.
No Hidden Bias
We may earn from affiliate links, but our rankings and reviews are always independent and honest.