If you want a credit card that gives you awesome health perks, cool rewards, and special privileges, the SBI Pulse Credit Card benefits could be just what you need. Tailored for health and lifestyle enthusiasts, this card offers some unique bonuses, including a Noise ColorFit Pulse 2 Max smartwatch as a welcome gift and yearly health memberships. Let’s check out the main features, benefits, and what makes this card a standout option.
SBI Pulse Credit Card Benefits
Welcome Gift – SBI Pulse Credit Card Noise Watch
As a fresh cardholder, you’ll snag a Noise ColorFit Pulse 2 Max Smartwatch valued at ₹5,999. To get this perk, just pay the joining fee and make at least one retail purchase in your first year. This is a great feature for anyone who loves fitness rewards!
SBI Pulse Credit Card Reward Points Value
The SBI Pulse Credit Card has a pretty cool rewards system:
You earn 10 Reward Points for every ₹100 spent on Chemist, Pharmacy, Sports, Dining, and Movies.
For everything else, you get 2 Reward Points per ₹100 spent.
Redeeming your points is a breeze: 4 Reward Points equals ₹1.
You can use your points to pay off your credit card bill or pick from a wide range of awesome gifts in the Rewards Catalogue.
SBI Pulse Credit Card Health Benefits
Health and wellness are front and center with:
A free 1-year FITPASS PRO Membership for access to fitness classes.
A free 1-year Netmeds First Membership for savings on medications and health services.
Both memberships renew every year when you renew your card, perfect for those who prioritize their health.
SBI Pulse Credit Card Lounge Benefits
Experience unbeatable travel ease:
Get 8 free Domestic Lounge visits each year (that’s 2 every quarter). Plus, enjoy a complimentary Priority Pass Membership (valued at $99) for the first two years, giving you access to international lounges (though those visits aren’t free).
SBI Pulse Credit Card Milestone Benefits
- Score a ₹1,500 voucher when you reach ₹4 lakhs in yearly retail spending. And if you spent ₹2 lakhs or more last year, your renewal fee is on the house!
Comprehensive Insurance Coverage
Your SBI Pulse Credit Card includes:
- Air Accident Insurance Cover of ₹50 lakhs.
- Fraud Liability Cover of ₹1 lakh (valid for 48 hours prior to and up to 7 days after reporting card loss).
Fuel Surcharge Waiver
Save on fuel with a 1% surcharge waiver for transactions between ₹500 and ₹4,000. You can enjoy a maximum waiver of ₹250 per statement cycle.
Contactless Advantage
Tap-and-pay makes it super easy and safe to pay without needing to give your card to anyone. Plus, with improved security measures, the chances of fraud during contactless payments are really low.
Worldwide Acceptance
The SBI Pulse Credit Card is accepted at over 24 million outlets globally, including 3.25 lakh outlets in India, making it a reliable companion for international and domestic use.
Add-On Cards
Empower your family members by providing add-on cards for your parents, spouse, children, or siblings above 18 years of age.
Additional Features
- Cash Withdrawal: Get cash easily from more than 1 million VISA ATMs around the globe.
- Utility Bill Payments: Take advantage of the Easy Bill Pay feature for smooth payments of your electricity, phone, and other utility bills.
- Flexipay Option: Turn any purchase of ₹2,500 or more into easy EMIs with the Flexipay option.
- Balance Transfer on EMI: Move your existing balance from other credit cards to the SBI Pulse Credit Card and benefit from lower interest rates with EMI choices.
SBI Pulse Credit Card Maximum Limit
The credit limit on the SBI Pulse Credit Card is set according to your income, credit score, and how well you’ve paid back loans in the past. SBI tailors the limit to fit your financial situation, giving you the freedom to make larger purchases. minimum limit is 40000 and maximum limit is 10 Lacs.
SBI Pulse Credit Card Fees
Here’s a quick rundown of the fees linked to the SBI Pulse Credit Card:
Joining Fee: ₹1,499 plus taxes (to be paid when you apply). Annual Renewal Fee: ₹1,499 plus taxes (this fee is waived if you spend ₹2 lakhs or more in the previous year). Finance Charges: Up to 3.50% monthly (which totals 42% annually) on any unpaid balances.
Late Payment Fees: No charge for total dues up to ₹500. ₹400 for dues between ₹501 and ₹1,000. ₹750 for dues between ₹1,001 and ₹2,500. ₹1,000 for dues between ₹2,501 and ₹4,000. ₹1,300 for dues over ₹4,000.
Foreign Currency Markup Fee: 3.50% of the transaction amount.
SBI Pulse Credit Card Eligibility
you need to meet these criteria: Age: The main cardholder should be between 21 and 65 years old. Add-on cardholders must be at least 18. Income: You should have a steady income, whether you’re salaried or self-employed, and provide documents to prove it.
Credit Score: A solid credit score (usually 750 or higher) boosts your chances of getting approved.
Documents Needed: Identity Proof (like Aadhaar, PAN Card, or Passport). Address Proof (such as a Utility Bill, Aadhaar, or Passport). Income Proof (like Salary Slips or IT Returns). Make sure you have all your documents ready to speed up the application process.
Why Choose SBI Pulse Credit Card?
Pros:
- Exclusive health and fitness benefits, including free memberships and smartwatch.
- Generous reward points on popular spending categories.
- Travel convenience with lounge access and insurance coverage.
- Worldwide acceptance and robust security features for peace of mind.
- Fee waivers and milestone benefits for high spenders.
Cons:
- Annual fee of ₹1,499 may be steep for infrequent users.
- Limited lounge visits under Priority Pass membership.
How to Apply for SBI Pulse Credit Card?
To get the SBI Pulse Credit Card, just head over to the official SBI Card website or drop by your closest SBI branch. Make sure you check the eligibility requirements and have all the necessary documents ready for a smooth approval process.
SBI Pulse Credit Card Review
The SBI Pulse Credit Card is a top-tier option for those who prioritize health, travel, and lifestyle perks. With a free Noise smartwatch, health memberships, and a solid rewards program, it stands out in the credit card scene. Sure, the annual fee might put off casual users, but for those who spend regularly, the milestone rewards and fee waivers make it totally worth it.
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