SBI Pulse Credit Card Features and Benefits -

SBI Pulse Credit Card Features and Benefits

The SBI Pulse Credit Card is a popular choice for many. It offers a range of features designed to make your life easier.

From earning rewards on every purchase to enjoying exclusive deals, this card has it all. In this post, we’ll explore the SBI Pulse Credit Card, its features, and benefits.

Discover what makes this credit card stand out. Whether you’re looking for travel perks or everyday savings, this card can meet your needs. Read on to find out why the Pulse Credit Card of SBI might be the perfect addition to your wallet.

State Bank of India (SBI) Pulse Credit Card

SBI Pulse credit card is powered by Visa/Mastercard’s advanced contactless technology and provides a swift and hassle-free method to make your daily transactions.

This secure chip technology, operating through contactless means, is intricately crafted to streamline your checkout experience, allowing you to minimize time spent at the cashier’s counter and empowering you to prioritize what holds the greatest significance in your life.”

This credit card is crafted particularly for individuals who are active and have a health-conscious way of life. The card provides a range of complimentary health memberships and advantages, all aimed at safeguarding the wellness of the cardholders.

SBI Pulse Credit Card Privileges

pulse credit card privileges

Benefits and Features of SBI Pulse Credit Card 

Several benefits and features are provided by SBI Pulse credit card:

Health Benefits

Pulse credit card of SBI provides a complimentary 1-year subscription to FITPASS PRO and Netmeds membership, which is eligible for renewal each year upon card renewal.

Fuel Surcharge Exemption

Transactions ranging from Rs. 500 to Rs. 4,000 made with the SBI Card Pulse will enjoy a 1% fuel surcharge waiver, of up to Rs. 250 per billing cycle.

Welcome Gift

When choosing the SBI Card Pulse, cardholders will receive a Noise ColorFit Pulse 2 Max Smartwatch upon payment of the joining fee.

Rewards Program

The credit card provides an offer of 10 Reward Points for every Rs. 100 spent on purchases at chemists, pharmacies, dining, and movies. Additionally, cardholders will get 2 reward points for every Rs. 100 spent on all other types of purchases. Each Reward Point is equivalent to Rs. 0.25 in value.

Milestone Incentives

Upon spending Rs. 4 lakh (retail expenditure) in a year, cardholders can receive Netmeds vouchers valued at Rs. 1,500. If the cardholder spends Rs. 2 lakh or more in the previous year the annual fee can be waived for the card.

Lounge Privileges

Enjoy 8 complimentary domestic lounge accesses (2 accesses per quarter) within a calendar year with the SBI Card Pulse. Furthermore, the card includes a valuable Priority Pass Lounge Membership worth USD 99.

Insurance Coverage

A fraud liability covers up to Rs. 1 lakh (if the card is lost or stolen) and an air accident cover up to Rs. 50 lakh is offered by Pulse credit card. Additionally, cardholders have the option to claim group travel insurance benefits.

Accepted Worldwide

Pulse, credit card can be used at more than 24 million outlets worldwide, including 3.25 lakh outlets across India.

Also Read: Union Bank of India Vyom Mobile App

Pulse Credit Card Fees and Charges

The card carries fees and charges which are: 

Annual Charge (one-time): INR 1,499 pulse applicable taxes

Yearly Renewal Charge: INR 1,499 pulse applicable taxes, starting from the second year. Renewal Charge waived if annual expenditures for the previous year are greater than or equal to INR 2,00,000.

Financial Charges: The credit card comes with a monthly finance charge of 3.5% or an annual rate of 42%.

Advance Cash Charges: If you use the SBI Card Pulse for a cash advance, you will be charged a fee of 2.5% of the withdrawn amount, with a minimum of Rs. 500.

Foreign Currency Charges: For transactions made in foreign currency, a fee of 3.5% of the transaction amount will be applied. This fee is incurred each time you make a transaction in a currency other than your card’s default currency.

Add-on Charges (per year): None

You can check annual and renewal charges of different types of credit cards of SBI Cards at SBICARD

SBI Pulse Card Eligibility Conditions

To be eligible for the SBI Pulse Card, the following conditions must be met:

  • The applicant should possess a consistent source of income, with a minimum annual income of Rs. 2 lakhs.
  • The applicant’s age should range from a minimum of 21 years to a maximum of 60 years.
  • The applicant needs to be a resident of India.

Documents Required Pulse Card

The SBI Pulse Card application requires the submission of the following documents:

  • Address Proof: Such as an electricity bill (issued within the past three months), Aadhar card, etc.
  • Identity Proof: Such as PAN card, Passport, etc.
  • Proof of Income: Such as recent salary slips (issued within the past three months), bank passbook, etc.
  • Properly completed application form with the necessary signature.
  • Passport-sized photographs.

SBI Pulse Credit Card Limit

Credit Limits and Cash Limits are established for Cardholders in accordance with SBICPSL’s internal credit evaluation standards (Add-On cardholders are allocated the same limits as the Primary Account Holder).

These limits are disclosed to the cardholder upon card issuance. The Cardholder is apprised of the Credit Limit and Cash Limits in each billing statement. The statement also furnishes the Available Credit Limit, during the statement generation period.

SBICPSL conducts regular reviews of the Cardholder’s account and may adjust the credit limit, either upwards or downwards, based on internal criteria. Cardholders desiring a credit limit enhancement can initiate the process by contacting SBICPSL and submitting financial documents verifying their income.

SBICPSL reserves the sole right to make determinations and, depending on the submitted documents, may opt to elevate the Cardholder’s Credit Limit.


The State Bank of India offers a diverse range of credit cards tailored to different needs, including Apollo SBI Card, BPCL SBI Card, Pulse Credit Card, SBI Card ELITE, Yatra SBI Card, SBI Card PRIME, and more.

These cards are designed to cater to various preferences, featuring both economical borrowing options and attractive rewards. Notably, the SBI Pulse card card stands out as a health-focused offering, with free memberships and benefits aimed at promoting well-being.

Moreover, the credit card, driven by advanced contactless technology, ensures swift transactions. Its array of advantages, such as health benefits, rewards, lounge privileges, and insurance coverage, elevates its value.

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