SBI Pulse credit card

SBI Pulse

SBI Card · Visa

SBI Pulse card focuses on health and wellness with gym memberships, health checkups, and lifestyle rewards.

Annual Fee

₹1,499

Waived at ₹3.0L spend

Joining Fee

₹1,499

Base Reward Rate

2X

₹0.5/pt

Min CIBIL

700

₹4L+ income

Key Features

India's first card focused on health and wellness benefits
10X reward points on pharmacy, medical and health spends
4X on dining, grocery and movies
1X on all other spends
Complimentary Cult.fit Live annual membership
FITPASS Pro membership for gym and fitness access
Annual fitness tracker/gadget as wellness benefit
Zero fuel surcharge at HPCL pumps

Welcome Benefits

✓

Complimentary Cult.fit Live Membership

Get a complimentary Cult.fit Live annual membership worth ₹3,999 — access live workout sessions and certified trainers

✓

Complimentary FITPASS Pro Membership

Free FITPASS Pro membership giving access to 4,500+ gyms and fitness studios across India

Reward Rates by Category

Dining

3X

Travel

2X

Online

3X

Shopping

3X

Grocery

2X

Fuel

1X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
Pharmacies / MedicalHealth10X
Cult.fitFitness10X
DiningDining4X
GroceryGrocery4X

Milestone Benefits

₹2.0 L

Annual Fee Waiver

Spend ₹2 lakhs in a year to waive the ₹1,499 annual fee

Annual

₹4.0 L

Fitness Gadget / Voucher

Earn a premium fitness gadget or wellness voucher on crossing ₹4 lakh annual spend

Annual

Airport Lounge Access

Domestic

2 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death cover

₹2 Lakhs

Medical Insurance Top-up

Top-up health cover for cardholders — check SBI Card website for current cover amount

Complimentary

Zero Liability

Report card loss promptly

100% fraudulent charges

Pros

  • Health & wellness benefits
  • Complimentary gym membership
  • Health checkup vouchers
  • 2 domestic lounge visits/year
  • Fee waived at ₹3L spend

Cons

  • Niche health focus — not for everyone
  • Limited lounge access
  • Moderate annual fee

Frequently Asked Questions

What makes SBI Pulse unique?+
India's first health-focused credit card — 10X rewards on pharmacy and medical spends, plus complimentary Cult.fit and FITPASS Pro memberships.
What earn on pharmacy spends?+
10X reward points at all pharmacies, hospitals and medical stores — the highest earn category on this card.
What fitness memberships are included?+
Complimentary Cult.fit Live annual membership and FITPASS Pro giving access to 4,500+ gyms across India.
Annual fee?+
₹1,499. Waived on ₹2 lakh annual spend.
What on dining and grocery?+
4X reward points on dining, grocery and movies. 1X on all other spends.

Ready to apply?

Apply on the SBI Card website. Usually takes 10 minutes.

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SBI Pulse

₹1,499/yr · 2X rewards