SBI Pulse Credit Card Review (2026): Benefits, Fees, Lounge & Fitpass
Quick answer SBI Card PULSE is a lifestyle health-and-rewards card with ₹1,499 + taxes joining and renewal fee (renewal waived at ₹2 lakh/year spend per KFS). Welcome perks include a Noise ColorFit Pulse 4 Pro smartwatch voucher, 12-month FITPASS PRO, and Netmeds First on joining plus activation. You earn 5X reward points on pharmacy, sports, dining, and movies, plus up to 8 domestic lounge visits/year when you hit quarterly spend thresholds. Best if you will use fitness and health welcome benefits and spend in accelerated categories.
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Searches for sbi pulse credit card, sbi pulse credit card benefits, and sbi pulse credit card lounge access usually mean SBI Card’s health-focused PULSE product. This review covers fees, welcome gifts (Noise watch, Fitpass), reward earn rates, lounge rules, milestones, and how to apply — using SBI Card–published terms only.
Verify before you apply: SBI Card PULSE — official page · Key Fact Statement (fees) · Lounge access programme
Key benefits
Summary of marketed benefits for SBI Pulse Credit Card (May 2026 — confirm on issuer MITC before applying):
- Noise ColorFit Pulse 4 Pro smartwatch worth ₹7,999
- 10 reward points per ₹100 on chemist, pharmacy, sports, dining and movies
- Renewal fee waiver on ₹2 lakh annual spend
- 12-month FITPASS PRO and Netmeds First membership
We verify fees and exclusions against official issuer documents; partner marketing may differ from MITC.
At a glance
| Detail | SBI Card PULSE |
|---|---|
| Joining / renewal fee | ₹1,499 + taxes each (SBI Card KFS) |
| Fee waiver | Renewal waived on ₹2,00,000+ annual spend in preceding year |
| Welcome gifts | Noise ColorFit Pulse 4 Pro voucher; 12-month FITPASS PRO; Netmeds First (on fee payment + activation) |
| Accelerated earn | 5X reward points on chemist, pharmacy, sports, dining, movies |
| Lounge access | Up to 8 domestic visits/year (2 per quarter) if you spent ₹75,000 in the prior quarter |
| Milestone | ₹1,500 e-voucher on ₹4 lakh annual retail spends |
| Best for | Health/fitness users who dine out and shop pharmacy/sports regularly |
View SBI Card PULSE on SBI Card →
SBI Pulse credit card benefits
Welcome benefits — Noise watch, Fitpass, Netmeds
Per SBI Card’s product listing and partner T&Cs (May 2026):
- Noise ColorFit Pulse 4 Pro smartwatch: e-voucher on payment of joining fee (positioned worth about ₹7,999). Voucher arrives within ~21 working days; redeem only for the specified Noise model per Noise smartwatch T&Cs (PDF).
- FITPASS PRO (12 months): on joining/renewal fee payment and at least one activation transaction within 12 months. Includes gym network access (up to 12 sessions/month, max 3/week, 1/day), FITCOACH AI coaching, and FITFEAST nutrition plans per health benefits T&Cs (PDF). Redeem via link in SMS/email (fitpass.co.in/sbicardpulse).
- Netmeds First membership on joining fee payment and card activation (confirm current Netmeds benefits on SBI Card).
- Note: SBI Card’s card listing also references NeuCoins welcome positioning on some pages — confirm which welcome bundle you receive on your offer letter at apply time.
Reward points — 5X on health & lifestyle spends
sbi pulse credit card benefits for ongoing spend centre on accelerated reward points:
- 5X reward points per ₹100 on chemist, pharmacy, sports, dining, and movie spends (per SBI Card product page).
- 1 reward point per ₹100 on other eligible retail spends (standard SBI earn — confirm exclusions in MITC).
- Monthly caps may apply on accelerated categories — check your Most Important Terms & Conditions before assuming unlimited 5X.
- Redemption: via SBI Card Shop & Smile or statement credit per rewards policy; point value varies by redemption channel.
SBI Pulse credit card lounge access
sbi pulse credit card lounge access list — domestic lounge visits are tied to quarterly card spend, not automatic on day one. Per SBI Card’s lounge programme summary for PULSE:
- 8 complimentary domestic lounge visits per year — up to 2 per quarter.
- Condition: spend of ₹75,000 or more in the previous calendar quarter on your PULSE card.
- Lounge list and guest rules follow the SBI Card airport lounge programme — verify participating lounges before travel.
Milestone benefit
E-voucher worth ₹1,500 when you reach ₹4 lakh retail spends in one membership year (per SBI Card product listing). Confirm voucher partner and validity in your welcome communication.
Fees and charges
From SBI Card’s Key Fact Statement fee table (May 2026):
| Charge | Amount |
|---|---|
| Joining fee | ₹1,499 + applicable taxes |
| Annual / renewal fee | ₹1,499 + applicable taxes |
| Renewal fee waiver | Waived if annual spend ≥ ₹2,00,000 in the preceding year |
sbi pulse credit card annual fee and sbi pulse credit card joining fee are the same headline number; the value proposition depends on using welcome vouchers (watch + Fitpass) and hitting lounge/milestone thresholds. Other charges — finance charges, late fees, cash advance, forex markup — follow the card MITC.
Eligibility and credit limit
sbi pulse credit card maximum limit is set by SBI Card at approval based on income, bureau score, and existing exposure — there is no public fixed cap. Typical eligibility: salaried or self-employed Indian residents meeting SBI Card’s minimum income and age rules on the apply journey. Add-on cards may be available per issuer policy.
How to apply (official)
Apply on SBI Card (official) →
Pros and cons
Pros: Strong welcome bundle for fitness/health users; 5X on dining, movies, pharmacy, sports; lounge access possible for active spenders; renewal waiver at ₹2L spend; milestone voucher at ₹4L spend.
Cons: ₹1,499 fee is hard to justify if you skip Fitpass/Noise vouchers; lounge needs ₹75k/quarter spend; reward points less flexible than cashback; 5X categories exclude fuel and many bill-pay MCCs; welcome fulfilment can take ~21 working days.
Is the SBI Pulse credit card worth it?
sbi pulse credit card review verdict: worth considering if you will activate and use Fitpass and the Noise voucher, and you already spend on dining, movies, and pharmacy. The joining fee is roughly offset by the marketed watch + membership value — but only if you redeem them. For pure cashback on online shopping, SBI Cashback may be simpler. For fuel, see BPCL SBI.
Who should skip this card
- You carry a balance month to month — interest near 42% p.a. wipes out cashback.
- Your spend is mostly offline or in excluded categories (fuel, rent, wallets, EMI) with little eligible online spend.
- You already hold a stronger cashback card for your top merchants and cannot justify another annual fee even with waiver rules.
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FAQ
What are sbi pulse credit card benefits? 5X points on pharmacy, sports, dining, movies; welcome Noise smartwatch voucher, FITPASS PRO, Netmeds First; up to 8 domestic lounges/year with quarterly spend; ₹1,500 voucher at ₹4L annual spend.
What is the sbi pulse credit card annual fee? Typically ₹1,499 + taxes for joining and renewal, with renewal waived at ₹2 lakh annual spend per SBI Card KFS.
How does sbi pulse fitpass work? After eligibility, SBI Card sends an e-voucher code by SMS/email; register on the FITPASS app via the SBI Card Pulse link to activate gym, coaching, and diet features per programme T&Cs.
sbi pulse credit card customer care number? Use the number on the back of your card or SBI Card’s official customer care page.
Is SBI Pulse available on Mastercard? SBI Card may issue Visa or Mastercard variants — network depends on your approval; confirm on your welcome kit (sbi card pulse on mastercard searches refer to this).
Sources checked
- SBI Card — PULSE product page
- SBI Card — Key Fact Statement
- SBI Card — Airport lounge access
- SBI Card — FITPASS PRO T&Cs (PDF)
- SBI Card — Noise smartwatch T&Cs (PDF)
Important: Approval is subject to SBI Card’s eligibility and credit assessment. Welcome vouchers have partner T&Cs and timelines. This content is informational only and is not financial advice. Credit cards are debt products — pay statements in full to avoid interest. Disclaimer · Report an error