INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official sbicard.com (SBI Cards and Payment Services Ltd.) Most Important Terms and Conditions (MITC).

🏛️State Bank of India (SBI Card)Network: VisaSalaried & Everyday CardsLast Verified: 2026-09-28

SBI Card PULSE

एसबीआई कार्ड पल्स

Health & fitness credit card offering Noise Smartwatch, 1-year FITPASS PRO gym membership, Netmeds First, 8 domestic lounge visits, and 10X pharmacy rewards.

Annual Fee₹1,499 + GST (Renewal: ₹1,499 + GST)

Reward Rate10 Reward Points per ₹100 spent on Chemist, Pharmacy, Dining, and Movie purchases. 2 Reward Points per ₹100 on all other retail transactions.

Airport Lounge8 complimentary domestic airport lounge visits per year (max 2 visits per quarter).

Forex Markup3.50% + GST.

What Is This Card

SBI Card PULSE is India's dedicated health, wellness, and fitness credit card designed for gym-goers, active professionals, and families with ongoing medical/pharmacy expenses. It bundles an annual gym membership (FITPASS PRO) and pharmacy savings (Netmeds First) with domestic lounge access.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹1,499 + GST (Renewal: ₹1,499 + GST)

Fee Waiver: Spend ₹2,00,000 or more in the preceding membership year to get the annual renewal fee of ₹1,499 reversed.

🎁Welcome Benefit

Noise ColorFit Pulse Series Smartwatch (worth ₹4,999) upon payment of joining fee and first retail transaction.

⚡Reward Points Structure

10 Reward Points per ₹100 spent on Chemist, Pharmacy, Dining, and Movie purchases. 2 Reward Points per ₹100 on all other retail transactions.

Redemption Value: 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). 10 points per ₹100 equals 2.50% value back.

🛫Airport & Railway Lounge Access

8 complimentary domestic airport lounge visits per year (max 2 visits per quarter).

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Air Accident Liability Cover of ₹50 Lakhs. Lost Card Liability cover up to ₹1 Lakh.

Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at all petrol pumps in India (maximum ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Complimentary 1-year FITPASS PRO membership (access to 4,000+ gyms and fitness studios, 12 sessions/month) and 1-year Netmeds First membership renewal on paying annual fee. E-voucher worth ₹1,500 on reaching ₹4 Lakh annual retail spend.

Interest-Free Period: 20 to 50 days.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

FITPASS PRO membership requires performing at least one retail transaction every quarter to maintain active gym booking privileges. Hospital inpatient bill payments do not earn 10X accelerated rewards (only chemist/retail pharmacy stores qualify). ₹99 redemption fee applies.

Forex Markup Fee3.50% + GST.

Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% per month.

Finance Charges (Interest)Up to 3.50% per month (42.00% per annum).

Late Payment SlabsNil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.

Reward Points ExpiryReward points expire 24 months (2 years) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, utility bills, rent, wallet reload, and government services.

Eligibility Criteria

Salaried and self-employed individuals aged 21 to 70 years.

Age Requirement21 to 70 Years

Minimum Income₹3,60,000 per annum (Salaried) / ₹4,80,000 per annum (Self-Employed ITR)

CIBIL Score NoteRecommended CIBIL score of 720+.

SBI RelationshipNot mandatory.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit sbicard.com/apply or open the YONO SBI app and select SBI Card PULSE.

2Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score).

3Fill online application form with personal, residence, and occupational details (takes 5–10 minutes).

4Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof).

5Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants).

6Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.

Branch Application for Offline Applicants

Available at all SBI branches with physical KYC documentation.

Visit Official Card Page (sbicard.com)Download Official MITC (PDF)

Documents Required

1. PAN Card

2. Aadhaar Card / Passport

3. Last 3 months' salary slips with bank statement OR Latest ITR.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on SBI Card PULSE?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on SBI Card PULSE into EMI?

Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on SBI Card PULSE?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). 10 points per ₹100 equals 2.50% value back. Please note: Reward points expire 24 months (2 years) from the date of accrual.

What is the interest-free grace period on SBI Card PULSE and how does it work?

The interest-free period on SBI Card PULSE is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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