SBI Card PULSE: Features, Fees & Apply

Summary

In short, the SBI Card PULSE is a one-of-a-kind credit card that’s designed for customers who value their lifestyle, health, and well-being. It merges wellness benefits, travel rewards, and daily savings with the finest features possible, thereby fitting for young professionals and health-conscious consumers alike. From the very beginning, this card is unique with a Noise ColorFit Pulse Smartwatch welcome offer, which introduces us to how fitness-centric it is.

Moreover, the card provides free memberships for FITPASS PRO and Netmeds First, allowing its users to enjoy gym, fitness center, and online medical rewards. In addition, the cardholder receives reward points for every transaction, especially on pharmacy, restaurant, and entertainment purchases, making it ideal for regular spending.

Another significant advantage is the airport lounge access and Priority Pass membership, which adds value to frequent travelers. And that is not all, but the card also comes with an air accident cover of ₹50 lakh and a fraud protection cover of up to ₹1 lakh, which provides a feeling of security in times of crisis.

Introduction

Wellness and health have become a necessity for everybody in the modern, fast-paced world today. From daily workouts to strict diets and fitness bands, everyone wants to be active and healthy. For such a healthy lifestyle, SBI Card has introduced a special card called the SBI Card PULSE. This credit card is specifically made for health enthusiasts who want extra rewards while keeping their expenses under control.

To begin with, the card offers you unique rewards and benefits associated with fitness that are difficult to obtain from other credit cards. One of the major highlights is the free membership of FITPASS PRO that gives the access to thousands of gyms and fitness centers across India. This makes the cardholders fit at a lower cost for their fitness activities.

In addition to that, the SBI Card PULSE is also filled with a high-tech appearance and easy-to-use facilities. Whether it is reward points for normal spending or extra benefits for spending on medical expenses, this card is made for the modern lifestyle. You earn reward points on each spend, which you can later exchange to win exciting gifts, vouchers, or even towards paying your credit card bills. In addition, the card provides lounge access for free at airports, making sure you have a smooth and luxurious journey.

Apart from its features, let’s talk about the fees as well. Like most credit cards, SBI Card PULSE charges an annual fee. But in case your spending within a year exceeds a specific amount, the fee is returned. This is a major boon for regular customers. There are also normal fees for late payments, cash advances, and fees on outstanding balances. But provided that you use the card sensibly and pay your bills punctually, you can enjoy all the advantages without any extra cost.

What is the SBI Card PULSE?

The SBI Card PULSE is a special credit card offered by SBI Card that is particularly designed for the health-conscious and fitness-aware people. Unlike any other credit card, this specific one has extra rewards related to fitness, wellness, and medical needs. For example, the card members get free membership of FITPASS PRO, which allows them to work out at thousands of fitness centers and gyms across India.

Moreover, the card also rewards points on every purchase, which can then be used to claim discounts, gift vouchers, or even pay for your card bill. Besides rewards and fitness, this card also provides complimentary entry to airport lounges, so travel is always comfortable.

How is the design of the SBI Card PULSE?

The SBI Card PULSE has been designed in a contemporary, fashionable, and attention-grabbing way. Firstly, the card has a green and black color combination which imparts the card with a fresh and vibrant look in tune with its fitness and wellness theme. Even the word “PULSE” has been embossed prominently on the card to reinforce its wellness focus.

Also, the card is made from high-quality plastic and includes a contactless payment symbol, meaning you can simply tap the card on the machine to make quick payments—no inserting or swiping necessary. Not only does this save time, but it also makes paying more hygienic and convenient.

What are the benefits of the SBI Card PULSE?

SBI Card PULSE is a credit card for the health-conscious and wellness-oriented person. It offers a host of benefits that complement an active lifestyle, combining fitness benefits with travel, rewards, and protection benefits.

Health & Wellness Benefits

• Welcome Gift: Get a Noise ColorFit Pulse Smartwatch worth ₹4,999 on payment of the joining fee and a minimum retail transaction.

• Complimentary Memberships: Avail a free 1-year membership on FITPASS PRO and Netmeds First, with benefits of going to various fitness centers and health advantages.

Reward Points & Milestone Benefits

• Accelerated Rewards: Earn 10 reward points for every ₹100 spent on pharmacy, restaurants, and entertainment, and 2 reward points on all other spends.

Milestone Benefits:

• Spend ₹2 lakh within a year to receive the renewal fee free.

• Spend ₹4 lakh in one year to receive an e-voucher of ₹1,500.

Travel & Lounge Access

• Domestic Lounge Access: Get 8 complimentary domestic lounge access yearly (2 for every quarter).

• Priority Pass Membership: Get a complimentary Priority Pass Membership valued at $99 for the initial two years.

Insurance & Protection

• Air Accident Cover: Get an air accident cover of ₹50 lakh.

• Fraud Liability Cover: Get protection against fraudulent transactions up to ₹1 lakh.

Fuel Surcharge Waiver

• Relish 1% off on fuel surcharge on transactions between ₹500 to ₹4,000 with a maximum of ₹250 per statement cycle.

What are the fees for the SBI Card PULSE?

Here is a simple breakdown of the  SBI Card PULSE fees.

Joining Fee	Rs. 500 + GST
Annual Fee	Rs. 500 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an SBI Card PULSE?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an SBI Card PULSE?

The documents that you will have to submit to get an SBI Card PULSE are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the SBI Card PULSE be used?

Here is the list of places where you can use it:

• With the SBI Card PULSE, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  SBI Card PULSE to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  SBI Card PULSE is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the SBI Card PULSE?

The credit amount you can spend is what you are provided to you with an SBI Card PULSE. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an SBI Card PULSE?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the SBI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by SBI Bank; for instance, you can choose the  SBI Card PULSE.

• Just hover your cursor on the  SBI Card PULSE and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest SBI Bank branch to apply for the  SBI Card PULSE.

• Request for the credit card application form of the  SBI Card PULSE. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  SBI Card PULSE by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an SBI Card PULSE in 2025 be right?

Yes, getting an SBI Card PULSE in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

SBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Finally, the SBI Card PULSE is not a credit card but a nicely crafted product that caters to the needs of the modern health-conscious and fitness lifestyle enthusiast. Ranging from rewards in terms of health and fitness to benefits in terms of travel and points for rewards, the card offers several features that are much more than just expenditure. Regardless of whether you visit the gym frequently, travel regularly, or would like to own a card that returns more value to you, SBI Card PULSE can be a financially wise companion along the way.

Also, the integration of the card with FITPASS PRO and Netmeds shows that SBI is recognizing the changing lifestyle of modern consumers. Not only does it support fitness, but it also supports better health management by offering health products and service discounts. In addition, by offering reward points, airport lounge access, and insurance cover, it provides comfort and protection to cardholders.

Another important feature to note here is that the SBI Card PULSE also takes care of your daily requirements, such as fuel surcharge waivers and contactless transactions, making your day-to-day payments convenient and easy. And, if you manage your expenses judiciously and pay your dues on time, you can even get the annual fee waived off, which is a great way to save further.

Frequently Asked Questions (FAQ’s)