Get 10X reward points, complementary health subscriptions, and fraud protection of ₹1 Lakh with this premium card.
Here is a glimpse of the credit card details:
Joining Fee |
₹1,499 |
Annual Fee |
₹1,499 |
Suitable for |
Premium benefits like health memberships and Priority Pass Membership |
Key Feature |
Spend ₹2 Lakhs in the preceding year and enjoy the annual fee reversal option |
Welcome Bonus |
Pay the joining fee and get the Noise ColorFit Pulse 2 Max Smart Watch free |
This lifestyle credit card helps you earn rewards in different spending categories.
Get a free Noise ColorFit Pulse 2 Max Smart Watch on paying the joining fee
Get a complimentary FITPASS PRO Membership and Netmeds First Membership for 1 year after renewing your card
Earn 10 reward points per ₹100 on payments related to chemists, dining, pharmacy, sports, and movies
Earn 2 reward points per ₹100 on all other purchases made with the card
Use your points to redeem items from the catalogue on the rewards platform or pay your credit card bills
Spend ₹2 Lakhs in the preceding year to get an annual fee reversal or spend ₹4 Lakhs in retail purchases to get an e-voucher of ₹1,500
Get a waiver of 1% on fuel surcharge on bills between ₹500 and ₹4,000 every month
Get 8 complimentary domestic lounge visits, up to 2 per quarter
Get a complimentary Priority Pass Membership worth $99 for the first two years of card ownership
Withdraw cash from across the globe from over 10 lakh VISA ATMs
Get complimentary insurance covers up to ₹50 Lakhs like Fraud Liability Insurance, Air Accident Cover, and more
Pay with your card at more than 2.4 crore outlets all over the world, including more than 3.25 lakh outlets in India
Get up to 3 free add-on cards for your parents, spouse, children, or siblings above 18 years
Conveniently pay your electricity, mobile, and all other utility bills on time by automating payments
Enjoy lower interest charges and pay back in EMIs when you transfer the outstanding balance of other credit cards to this card
Tap the card to pay and experience the benefit of contactless payments with the VISA PayWave technology
Report loss of card to enjoy zero fraud liability against fraudulent transactions
The SBI Card rewards platform is called Shop n Smile, where you can redeem points against a wide-ranging catalogue. Here is how the rewards program works for the SBI Card PULSE:
You get 10 reward points per ₹100 spent on dining, pharmacy, sports, and movies
Here is an example:
Purchase (Monthly) |
Amount |
Reward Points |
Dining Out |
₹3,000 |
300 |
Movies |
₹2,000 |
200 |
Pharmacy |
₹1,000 |
100 |
Disclaimer: The above example is for illustration purposes only.
You also get 2 reward points per ₹100 on all other purchases
Here is an example:
Purchase (Monthly) |
Amount |
Reward Points |
Electronics |
₹2,500 |
300 |
Groceries |
₹5,000 |
600 |
Disclaimer: The above example is for illustration purposes only.
The next step is to redeem your reward points by logging in to your credit card account. You can do so via net banking or through the YONO mobile app. You can redeem points against various items such as electronics, homeware, clothing, books, and more.
You can even make hotel bookings or choose from different shopping vouchers. A rewards redemption fee of ₹99 is applicable, but only on products and credit statements sent physically.
Unless stated otherwise, all your reward points will expire 24 months after accrual.
With reference to the examples given above, here is a look at what your annual expenses and savings will look like:
Category |
Details |
Conversion |
Cash Value (₹) |
Dining Out |
Accelerated Category Spends - 10 reward points Assuming spends 36,000 p.a. / 3,000 p.m. |
Reward Points = 3,600 10x(36,000/100) |
900 |
Movies |
Accelerated Category Spends - 10 reward points Assuming spends 24,000 p.a. / 2,000 p.m. |
Reward Points = 2,400 10x(24,000/100) |
600 |
Pharmacy |
Accelerated Category Spends - 10 reward points Assuming spends 12,000 p.a. / 1,000 p.m. |
Reward Points = 1,200 10x(12,000/100) |
300 |
Gym Membership |
Normal Category Spends
|
Reward Points = 600 2x(30,000/100) |
150 |
Groceries |
Normal Category Spends Assuming spends 60,000 p.a./ 5,000 p.m. |
Reward Points = 1,200 2x(60,000/100) |
300 |
Total Annual Savings |
9,000 |
2,250 |
Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer. Please check with the card issuer before applying.
Now, you have two options:
Here are the charges and fees you can expect to incur based on your use of the SBI Card PULSE:
Fee Type |
Details |
Joining Fee |
₹1,499 |
Annual Fee |
₹1,499 |
Reward Redemption Fee |
₹99 |
Cash Advance Fee |
2.50% of the withdrawn amount or ₹500, whichever is higher |
Interest Charges |
Up to 42% per annum |
Minimum Amount Due |
5% as per this calculation: Total GST + EMI amount + 100% of Charges/Fees + 5% of [Finance charge (if any) + Overlimit Amount (if any) + Retail Spends and Cash Advance (if any)] |
Late Payment Fee |
Up to ₹1,300 based on the total overdue balance |
Foreign Transaction Fee |
3.50% of the transaction amount |
Note: A Goods & Services Tax (GST) of 18% is applicable on the charges mentioned above.
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
Here are the SBI Card PULSE eligibility terms you need to meet before applying:
You must be between 21 and 70 years of age
You must have a decent credit score
You must have a regular income source (salaried or self-employed)
Here is a list of general documents you will need to keep ready to ensure a swift application process:
Identity Proof
PAN card
Aadhaar card
Colour photos (2-3)
Passport
Address Proof
Ration card
Utility bill (electricity, phone, water)
Income Proof
Self-employed: Income Tax Returns (ITR), bank statements showing income
Salaried: Form 16, latest salary slips (past 2-3 months)
To know how to apply for this card on Bajaj Markets, read the steps given below:
Click on ‘Check Eligibility’ and fill in the necessary details, including your date of birth, occupation, and phone number
Submit the One-Time Password (OTP) you receive
Recheck the pre-filled details like your PAN number, PIN code, email ID, and income information
Apply for the card that meets your requirements from the options
Click on ‘Submit’ and complete your application
If you have any questions, reach out to SBI Card’s customer care team via phone or email:
Call 1800 180 1290 (toll-free) or 39 02 02 02 (Prefix local STD code)
Email customercare@sbicard.com
Before deciding on the SBI Card PULSE, take a look at other options from SBI Card:
Card Name |
Cashback |
Complimentary Airport Lounge Access |
Fuel Surcharge Waiver |
10X Reward Points |
SBI Card PULSE |
❌ |
✅ |
✅ |
❌ |
BPCL SBI Card OCTANE |
✅ |
✅ |
✅ |
✅ |
✅ |
❌ |
✅ |
✅ |
|
✅ |
✅ |
✅ |
✅ |
|
✅ |
❌ |
✅ |
❌ |
|
❌ |
✅ |
✅ |
❌ |
|
❌ |
❌ |
✅ |
✅ |
|
❌ |
✅ |
✅ |
✅ |
|
✅ |
❌ |
✅ |
❌ |
|
✅ |
❌ |
✅ |
✅ |
Disclaimer: The benefits mentioned are subject to change as per the policies of SBI Card. Check them before you apply for a specific card.
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
You get a complimentary insurance cover of ₹1 Lakh on any financial loss incurred due to fraudulent transactions on your SBI Card PULSE. This is applicable once you call the 24/7 SBI Card customer helpline number and report the loss.
With contactless technology, you can enjoy speed, convenience, and security on transactions. Since the card never leaves your hand, the risk of card loss and fraud through skimming or counterfeiting is greatly reduced.
You can use the SBI Card PULSE anywhere in India and around the world. Just look for the Universal Contactless symbol at merchant outlets.
The credit limit range usually allowed on the SBI Card PULSE is a minimum of ₹40,000 and a maximum of ₹10 Lakhs.
The interest-free grace period on your SBI Card PULSE is between 20 to 50 days. This means that no interest is chargeable on your outstanding amount from the statement date to the next 20 to 50 days. You can continue to enjoy it when you pay your full bills on time.
If you pay only the minimum amount due every month, you will accumulate considerable interest on your outstanding balance.
The total amount due is the entire amount due for payment as on the specified statement date. It includes outstanding balances from previous months, new purchases, fees, and interest charges, if any.
This SBI credit card helps you earn 10 reward points and cater to your health and fitness with complimentary wellness memberships.
Yes. Get the SBI Card PULSE apply online on Bajaj Markets and enjoy a fast and secure process.