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REWARD POINTS CARD

SBI Card PULSE

SBI Card

Fitness-focused card with a Noise ColorFit Pulse 4 Pro smartwatch welcome gift, FITPASS PRO and Netmeds First memberships, and 10 Reward Points per ₹100 on select categories.

Welcome gift and memberships depend on paying the Joining Fee; memberships also need one retail transaction. Renewal fee is reversed only at ₹2,00,000 annual spends.

SBI Card PULSE
ANNUAL FEE
₹1,499 + GST
JOINING FEE
₹1,499 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Noise ColorFit Pulse 4 Pro Smart Watch worth ₹7,999 on payment of Joining Fee
BEST FOR
Included: May suit those who spend regularly on chemist, pharmacy, sports, dining and movies and want fitness-linked memberships.
Included: May suit regular spends on chemist, pharmacy, sports, dining and movies.
Included: May suit those who value bundled fitness and wellness memberships with the card.
Included: May suit annual spenders reaching ₹2,00,000 or more, where the renewal fee is reversed.
Limitation: Earn is 2 Reward Points per ₹100 outside the listed categories may wish to compare other cards.
Limitation: Those who spend mostly outside the listed categories may wish to compare other cards.
Limitation: Those who do not wish to pay the Joining Fee of ₹1,499 + taxes needed for the welcome may wish to compare other cards.
Limitation: Those who want more than 4 domestic lounge visits a year may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Renewal fee is reversed if the previous year's annual spends are ₹2,00,000 or more.
Condition: Fuel surcharge waiver is 1% on transactions of ₹500–₹4,000, capped at ₹250 per statement cycle per card account.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹1,499 + GST
Annual / renewal fee
₹1,499 + GST
Fee waived at
₹2,00,000 annual spends (renewal fee reversed)
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
4 visits per quarter — 4 visits per year (restricted to 1 per quarter)
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass
EVERYDAY
Fuel
1% waiver on transactions of ₹500–₹4,000 at petrol pumps across India; max ₹250 per statement cycle per card account
Dining
10 Reward Points per ₹100 on dining (shared with chemist, pharmacy, sports and movies)
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Noise ColorFit Pulse 4 Pro Smart Watch worth ₹7,999 on payment of Joining Fee
Included: Contactless payments through Visa PayWave; only one transaction is processed even if the card is tapped multiple times.
Included: Complimentary cover: fraud liability ₹1 lakh, check-in baggage loss up to ₹72,000, baggage delay ₹7,500, travel documents ₹12,500, flight delay ₹7,500.
Included: Add-on cards for family members above 18, Flexipay EMI on transactions of ₹2,500 or more, and balance transfer on EMI.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.