By: OurMoneyGuide || Last updated on: May 30, 2024

The SBI Card PULSE is a health and fitness credit card. You get a complimentary annual FITPASS PRO Membership, which includes 3 memberships across all aspects of your fitness journey – FITPASS which gives you 12 complimentary fitness sessions per month, FITCOACH which gives you personalized fitness coaching routines on the mobile app, and FITFEAST which gives you access to expert nutritionists. You also get complimentary Netmeds First membership worth ₹499.

You get a special 2.50% cashback on chemist, pharmacy, dining & movie spends. And also complimentary airport lounge access in India – 2 per quarter.

Pros & Cons of SBI Card PULSE


  • Complimentary annual FITPASS PRO Membership, which gives benefits across all aspects of your fitness journey – gym sessions, coaching routines, and access to expert nutritionists.
  • Complimentary Netmeds First membership
  • 2.50% cashback on chemist, pharmacy, dining & movie spends
  • Complimentary airport lounge access in India – 2 per quarter


  • Will need to consider other credit cards to get higher rewards on non-fitness related card spends 

Features & Benefits of the SBI Card PULSE

Complimentary FITPASS PRO membership – 12 free monthly gym sessions || personalised fitness coaching || access to expert nutritionists

You get complimentary annual FITPASS PRO Membership, by paying the annual fee of the card each year.

FITPASS PRO gives you complimentary access to 3 memberships across all aspects of your fitness journey-
✓ FITPASS – 12 complimentary gym sessions per month (maximum 3 per week), across gyms and fitness centers
✓ FITCOACH – personalized fitness coaching routines, through FITPASS mobile application
✓ FITFEAST – access to expert nutritionists for personalized diet plans, through FITPASS mobile application

For more details, please click here.

Complimentary Netmeds First membership worth ₹499 – includes free basic health check-up & unlimited online ‘doctor consultation’

You get a variety of benefits through a complimentary Netmeds First membership.

– Free basic health check-up
– Free unlimited online ‘doctor consultation’
– Free delivery (of pre-paid & cash-on-delivery orders, of any products)
– Additional 2.50% cashback (upto ₹100), only on pre-paid medicine orders of any value
– 5% discount, only on all pathology lab tests, profiles and packages

For more details, please click here.

Complimentary airport lounge access in India – 2 per quarter

You get free visits to domestic airport lounges, 8 times per year (maximum 2 per quarter).

Complimentary Priority Pass membership

You get a free membership of the Priority Pass program worth USD 99. Priority Pass is one of the leading global programs, which provides members access to a large number of airport lounges around the world.

While membership itself is complementary, you need to pay for each lounge visit, on a per visit basis. Current prices are around USD 32 per visit.

2.50% cashback on chemist, pharmacy, dining & movie spends

You get 10 reward points worth ₹2.50, on every ₹100 you spend at chemists, pharmacies, dining & movies.

1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

0.50% cashback on all other card spends

You get 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other card purchases.

1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback

Upto 0.37% additional benefit at ₹4 lakh annual card spend (milestone benefit)

You get a Netsmed gift voucher worth ₹1500, at ₹4 lakh annual card spend – 0.37% benefit.

Fuel surcharge waiver, upto ₹250 per month

You get a 1% fuel surcharge waiver at all fuel stations across India, only on fuel purchases between ₹500 and ₹4000. And only on fuel purchases upto ₹25,000 per month (since the waiver amount is capped at ₹250 per monthly card statement cycle).

Complimentary insurance benefits – for unauthorised use of your credit card

You get a complimentary ₹1 lakh coverage, for protection against fraudulent transactions or unauthorised use of your credit card.

Complimentary insurance benefits – related to air travel

You get a variety of travel related insurance benefits-

– ₹50 lakh air accident coverage, providing financial protection to you or your beneficiaries.
– Coverage of upto ₹83,000 ($1000), in case of loss of checked-in baggage while travelling.
– Compensation of ₹8300, in case of any delays in receiving your checked-in baggage.
– Coverage of upto ₹12500, in case of loss of essential travel documents.
– Protection upto ₹5000, in case of any damage to your baggage during your journey.

SBI Card customer care

Please click here for all the options to contact the bank for various issues and escalations, including-
– Lost and stolen cards : you can block on your mobile app or internet banking OR through SMS option OR by calling customer care
– Complaints and grievances : including steps on how to escalate to higher levels in case your issue is not resolved
– Raise and manage disputes

3 lifetime-free add-on cards

You can get add-on cards for your parents, spouse, children or siblings above the age of 18 years. For more details, and important terms and conditions, please click here.

SBI Card PULSE Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹1499Welcome offers
– You get a Noise ColorFit Pulse 2 Max Smart Watch valued at ₹5,999, upon payment of the joining fee.
Renewal fee from 2nd year onwards₹1499Renewal fee offer
– Annual fee is not charged from the second year onwards , if you spend ₹2 lakhs or more in the previous year.

Late payment fee

Please refer to the below table for details

Amount dueLate Fee
 Less than ₹500Nil
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 to ₹25,000₹950
₹25000 to ₹50000₹1100
Over ₹50000₹1300

Foreign currency transaction fee

3.50% of the transaction value.

Finance charges

3.50% per month (42% p.a.).

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – SBI Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the SBI Credit Card, there are certain basic criteria that all applicants must fulfil.

Minimum age21 years
Maximum age70 years
OccupationSalaried or self-employed
Minimum income requirementsNot specified. Should have a regular source of income
Other criteriaGood credit score, preferably above 750

Application Process

Online application processThe easiest way to apply is to click here – APPLY NOW , you shall be taken to the card application page on the SBI Card website. You can also visit the official website of SBI Card and fill out the application form.

Steps :
– Fill out the online application form – personal details like mobile phone number, emplyment, income, Aadhar / PAN number
– Click ‘Submit’ and you will receive an instant decision on the application basis the information provided
– If your application is approved, you will receive a call from SBI Card team for verification
– Post necessary verification, the card is issued to you

Virtual card : In addition to this, SBI Card team will send an SMS on your registered mobile number with a link to generate your e-card. With this e-card you can view your credit card details digitally, even before your physical card reaches you, and start shopping online instantly.
Offline (face to face)  application processYou can visit any of the nearest branches of SBI Card, and talk to an executive regarding the process.

Necessary documents and verification

Required documents   – PAN card

– Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof

– Income documents – salary slip, income tax return etc. may be required depending upon the credit card eligibility & policy

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

Tracking your application status

Tracking credit card application status– You can track the status of your application on – ‘Track Application’ section.

– Please click here – Home page (and see top section of the page section named – ‘Track your application’) OR
– Please click here – Eapply page (and see bottom of the page section named – ‘Track Credit Card Application’)
You need to enter some basic information (like application number/ reference number, name, mobile number), to see the status of your SBI Card application