SBI credit card
SBI Pulse Credit Card
India’s fitness-first credit card with rewards on health, wellness & pharmacy spends
Credofly overview
Is SBI Pulse Credit Card right for you?
SBI Pulse is one of the few health-focused credit cards in India that combines pharmacy offers, doctor teleconsults, and fitness rewards — all bundled with RuPay Platinum perks and contactless convenience.
Shopping
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
– 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
How you can redeem
1 RP = ₹0.25 (for statement credit or gift vouchers via SBI portal)
EMI Transactions, Utilities, Insurance, Wallet, Rent, Education, Fuel, Government Spends, and Tax Payments
<p>No rewards on wallet loads, rent, fuel, utility bill payments, or EMI transactions</p>Beyond rewards
Benefits that matter
Welcome offer
Complimentary Fitpass Pro & Netmeds First (12 months) worth ₹5,000+
Milestone benefits
Annual Fee Waiver on spending ₹2 lakh in a card anniversary year.
Renewal benefits
Annual Fee Waiver on spending ₹2 lakh in a card anniversary year.
Card benefits
| Field | Value |
|---|---|
| Core Benefits | – 12 months Netmeds First membership- 12 months Fitpass Pro access- Free Doctor Teleconsults- Complimentary Domestic Lounge Access (4/year)- RuPay Platinum Offers |
| Airport Lounge | 1 free domestic lounge access per quarter via RuPay |
| Travel Benefits | Minimal. No international lounge or travel coverage |
| Insurance Benefits | ₹1 lakh personal accident cover included |
| Lifestyle Benefits | Fitpass Pro + health offers |
| Dining Benefits | None officially listed |
Lifestyle & travel
lounge domestic
Our independent take
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.
SBI Pulse is a smart choice if you value bundled health memberships like Netmeds and Fitpass, and spend regularly on pharmacy, medical tests, or gym services. Not the best for pure reward chasers, but an excellent lifestyle product in the health vertical.
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.
Strengths
- <p>Complimentary Netmeds & Fitpass</p>
- <p>Domestic lounge access via RuPay</p>
- <p>Health-first card</p>
Watch-outs
- <p>Low base reward rate</p>
- <p>No international travel benefits</p>
- <p>No rewards on rent, wallet loads</p>
Before you apply
Eligibility & application
Eligibility
-
Age: 21–60 (salaried), up to 65 (self-employed)
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Income: ₹25,000+ monthly
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Credit Score: 700+ preferred
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Residency: Indian resident with valid PAN & Aadhaar
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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.
Your questions answered
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
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