A health and fitness credit card that rewards every pharmacy visit, gym session, and dining experience and delivers complimentary wellness memberships every single year
Noise ColorFit Pulse 4 Pro Smart Watch worth ₹7,999 on joining fee payment.
Fee waiver on ₹2 lakh spend; ₹1,500 e-voucher on ₹4 lakh spend
10 points per ₹100 on select spends; 2 points per ₹100 on other spends.
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| Benefit | Details |
|---|---|
| Welcome Gift | The Noise ColorFit Pulse 4 Pro Smart Watch is worth ₹7,999 on payment of the joining fee. Voucher delivered within 21 working days of eligibility via email or SMS. |
| FITPASS PRO Membership | 1 year complimentary FITPASS PRO membership. Auto-renewed every year on card renewal. Subject to payment of the joining/renewal fee and a minimum of one retail transaction. Up to 12 sessions per month; sessions must be pre-booked via the FITPASS mobile app. |
| Netmeds First Membership | 1 year complimentary Netmeds First membership. Auto-renewed every year on card renewal, subject to the same conditions as FITPASS PRO. If an existing Netmeds First membership is active, the The SBI Card PULSE voucher can be redeemed after the existing membership expires. |
| Accelerated Reward Points | 10 Reward Points per ₹100 on Chemist, Pharmacy, Sports, Dining, and Movies. At 4 Reward Points = ₹1, this equates to 2.5% value-back on these categories. |
| Base Reward Rate | 2 Reward Points per ₹100 on all other eligible spends. At 4 Reward Points = ₹1, this equates to 0.5% value-back. |
| Annual Fee Waiver | Renewal fee waived from the second year onwards on annual spends of ₹2,00,000 or more on the card in the previous year. |
| Milestone E-Voucher | ₹1,500 e-voucher on achieving annual retail spends of ₹4,00,000. |
| Domestic Lounge Access | 8 complimentary domestic airport lounge visits per year, capped at 2 per quarter. Not spend-based. |
| Priority Pass Membership | Complimentary Priority Pass membership worth US$99 for the first two cardholder membership years. Standard membership is provided to the primary cardholder only. No complimentary international lounge visits included. |
| Fraud Liability Cover | Complimentary credit card fraud liability cover of ₹1 lakh. Valid from 48 hours prior to card loss reporting through 7 days post-reporting. |
| Travel Insurance | Loss of check-in baggage up to ₹72,000 (US$1,000); check-in baggage delay ₹7,500; loss of travel documents up to ₹12,500; flight delay cover up to ₹7,500. Air accident insurance of ₹50 lakh discontinued effective 15 July 2025. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000. Maximum waiver of ₹250 per statement cycle per card account. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | SBI Cards and Payment Services Ltd (SBI Card) |
| Bank / Non-bank | Bank-affiliated (State Bank of India) |
| Category | Lifestyle / Health & Wellness / Rewards Credit Card |
| Type of Card | Visa Contactless Credit Card |
| Free or Paid | ₹1,499 + Taxes Annually (Renewal fee waived on ₹2,00,000 annual spends) |
The SBI Card PULSE is tailored for health-conscious individuals and fitness enthusiasts who want their credit card to actively reward wellness spending. The card earns 10 Reward Points per ₹100 on chemist, pharmacy, sports, dining, and movies five categories central to an active lifestyle. Two auto-renewing annual memberships (FITPASS PRO for fitness access and Netmeds First for pharmacy benefits) ensure recurring value beyond the first year. The welcome gift, a Noise ColorFit Pulse 4 Pro smartwatch worth ₹7,999, substantially exceeds the ₹1,499 joining fee, making the first-year value strongly positive. The annual fee waiver threshold of ₹2 lakh is achievable for regular card users, and the ₹1,500 milestone e-voucher at ₹4 lakh adds a further annual incentive. With 8 complimentary domestic lounge visits per year attached to no spend condition, SBI Card PULSE is best for regular pharmacy and health spenders, fitness enthusiasts, frequent diners, and occasional travellers seeking a lifestyle card at a moderate annual fee.
Health-Focused Reward Programme: The SBI Card PULSE earns 10 Reward Points per ₹100 on five specific categories, Chemist, Pharmacy, Sports, Dining, and Movies. 4 Reward Points = ₹1, this translates to 2.5% value-back on these categories. All other eligible spends earn 2 Reward Points per ₹100 (0.5% value-back). Reward Points can be redeemed against the card's outstanding balance or against gifts and vouchers from the SBI Card Rewards Catalogue at sbicard.com. A redemption fee of ₹99 applies per redemption request.
Complimentary Wellness Memberships: The card provides two annual health memberships that auto-renew every year on card renewal: FITPASS PRO (up to 12 fitness sessions per month across gyms, yoga studios, and fitness centres on the FITPASS network, bookable via the FITPASS app) and Netmeds First (benefits on the Netmeds online pharmacy platform). Both require payment of the annual fee and at least one retail transaction in the year.
Welcome Gift: Cardholders receive a Noise ColorFit Pulse 4 Pro Smartwatch worth ₹7,999 on payment of the joining fee. The voucher is delivered via email or SMS within 21 working days and redeemed on the Noise platform using the voucher code.
Milestone Benefits: The renewal fee is waived from the second year on annual spends of ₹2,00,000 or more. A ₹1,500 e-voucher is awarded on achieving annual retail spends of ₹4,00,000. Both milestones independently reward sustained card usage.
Airport Lounge Access: 8 complimentary domestic airport lounge visits per year (2 per quarter), with no spend requirement. A complimentary Priority Pass membership (worth US$99) is provided for the first two membership years. There are no complimentary international lounge visits under the SBI Card PULSE programme; international visits via Priority Pass are charged at standard rates.
Insurance Coverage: The card includes a ₹1 lakh fraud liability cover and travel insurance covering loss of check-in baggage (up to ₹72,000), baggage delay (₹7,500), loss of travel documents (up to ₹12,500), and flight delay (up to ₹7,500). The previously offered air accident insurance of ₹50 lakh has been discontinued, effective 15 July 2025.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per statement cycle per card account.
Global Acceptance: Accepted at over 24 million outlets worldwide, including 3,25,000 outlets in India at any Visa-enabled merchant. A 3.50% foreign currency transaction fee applies to all international transactions.
EMI and Flexipay: Transactions of ₹2,500 or more can be converted to easy monthly instalments via Flexipay within 30 days of purchase by logging into sbicard.com. Outstanding balances from other bank credit cards can be transferred and converted to EMIs via the Balance Transfer facility. Both are exclusive to the primary cardholder.
Accelerated Categories (10X): 10 Reward Points per ₹100 spent on Chemist, Pharmacy, Sports, Dining, and Movies.
All Other Eligible Spends (2X): 2 Reward Points per ₹100 on all other spends not in the accelerated or excluded categories.
Redemption Rate: 4 Reward Points = ₹1. Redeem against the card's outstanding balance or against gifts and vouchers from the SBI Card Rewards Catalogue at sbicard.com.
Redemption Fee: ₹99 per redemption request.
Reward Points are not earned on the following transaction types:
Fuel transactions (1% fuel surcharge waiver still applies)
Rental payments
Wallet load transactions
Cash advance withdrawals
EMI conversion transactions
Balance transfer transactions
Jewellery and gift voucher purchases
Payment of card fees, charges, interest, and taxes
Gift: Noise ColorFit Pulse 4 Pro Smartwatch worth ₹7,999.
Trigger: Payment of joining fee.
Delivery: Voucher delivered via email or SMS within 21 working days of eligibility.
Redemption: Click the link in the voucher and enter the code on the Noise platform to redeem.
FITPASS PRO: 1-year complimentary membership. Up to 12 fitness sessions per month across the FITPASS network. Sessions must be pre-booked via the FITPASS mobile app.
Netmeds First: 1 year complimentary Netmeds First membership. If an existing membership is active, the voucher can be redeemed after it expires.
Auto-Renewal Conditions: Both memberships are auto-renewed every year on card renewal, subject to payment of the annual/renewal fee and at least one retail transaction in the year.
Annual Fee Waiver: Renewal fee waived from the second year on, achieving annual spends of ₹2,00,000 or more in the previous year.
₹1,500 E-Voucher: Awarded on achieving annual retail spends of ₹4,00,000.
Domestic Lounge Visits: 8 complimentary domestic airport lounge visits per year, capped at 2 per quarter. Not spend-based.
Priority Pass Membership: Complimentary Priority Pass membership (worth US$99) for the first two cardholder membership years. Standard membership is provided to the primary cardholder only.
No Complimentary International Visits: No complimentary international lounge visits are included under the SBI Card PULSE programme. International visits via Priority Pass are charged at standard Priority Pass rates.
Fraud Liability Cover: ₹1 lakh cover against fraudulent transactions. Valid from 48 hours prior to card loss reporting through 7 days post-reporting. Report card loss: call 1860 180 1290 or 39 02 02 02 (prefix local STD code).
Loss of Check-in Baggage: Cover up to ₹72,000 (US$1,000).
Check-in Baggage Delay: ₹7,500.
Loss of Travel Documents: Cover up to ₹12,500.
Flight Delay: Cover up to ₹7,500.
Air Accident Insurance: Previously ₹50 lakh. Discontinued effective 15 July 2025.
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 per transaction.
Maximum surcharge waiver of ₹250 per statement cycle per card account.
Contactless Payments (Visa PayWave): Tap-to-pay at secure readers. Maximum ₹5,000 per single contactless transaction; amounts above ₹5,000 require swipe or dip.
Worldwide Acceptance: Accepted at over 24 million outlets globally, including 3,25,000 in India at any Visa-enabled merchant.
Add-on Cards: Available for parents, spouses, children, or siblings above 18 years. The add-on card fee is nil.
Flexipay: Convert transactions of ₹2,500 or more into EMIs within 30 days of purchase via sbicard.com. Primary cardholder only.
Balance Transfer on EMI: Transfer outstanding balances from other bank credit cards to SBI Card PULSE at a lower rate, repayable in EMIs. Log in to sbicard.com or call the helpline to avail.
Utility Bill Payment: Pay electricity, telephone, mobile, and other utility bills via Easy Bill Pay at sbicard.com.
Cash Withdrawal: Withdraw cash from over 1 million Visa ATMs globally. A 2.5% fee (minimum ₹500) applies; interest accrues from the withdrawal date with no interest-free period.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹1,499 + Applicable Taxes | One-time fee charged at the time of card issuance. Offset by the Noise ColorFit Pulse 4 Pro Smartwatch welcome gift worth ₹7,999. |
| Annual / Renewal Fee | ₹1,499 + Applicable Taxes | Charged every year. Waived from the second year if annual spends reach ₹2,00,000 or more in the previous year. |
| Add-on Card Fee | Nil | No fee charged for add-on cards issued to eligible family members. |
| Finance Charges | Up to 3.75% per month (45% per annum) | Applied on outstanding balances if the total amount due is not paid by the due date. |
| Cash Advance Fee | 2.5% of withdrawn amount (Minimum ₹500) | Charged when cash is withdrawn using the credit card at domestic or international ATMs. |
| Late Payment Charges | ₹0 – ₹1,300 (based on outstanding amount) | ₹0 for dues up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000. |
| Overlimit Fee | 2.5% of over-limit amount (Minimum ₹600) | Charged when spending exceeds the approved credit limit. |
| Payment Dishonour Fee | 2% of payment amount (Minimum ₹450) | Charged when cheque payment bounces or auto-debit fails. |
| Cheque Payment Fee | ₹100 per transaction | Applicable when bill payments are made via cheque. |
| Cash Payment Fee | Up to ₹250 per transaction | Charged when bill payments are made in cash at bank branches or authorised counters. |
| Statement Request Fee | ₹100 per statement | Applicable for duplicate statements older than 2 months. |
| Foreign Currency Transaction Fee | 3.50% of transaction value | Charged on all international transactions made in foreign currency. |
| Fuel Surcharge | 1% on transactions between ₹500 and ₹4,000 | Maximum surcharge waiver of ₹250 per statement cycle at fuel stations. |
| Criteria | Details |
|---|---|
Age | 21 to 70 years |
Citizenship | Must be a resident of India |
Employment | Salaried or self-employed with a regular source of income |
Credit Score | Good credit score required; assessed as per SBI Card internal policy |
Income | Regular source of income required; specific thresholds assessed per SBI Card internal credit policy |
| Document Type | Details |
|---|---|
| Identity Proof | PAN card, Passport, or other valid government-issued photo identity document |
| Address Proof | Aadhaar card, electricity bill (not more than 3 months old), Income Tax return, or other valid address proof |
| Income Proof | Salary slips (not more than 3 months old), bank passbook records, or Form 16 / Income Tax return (for self-employed) |
| Application Form | Duly signed application form |
| Photographs | Passport-size photographs |
Step 1: Check Eligibility: Review basic requirements such as age, income, and credit score to ensure you qualify.
Step 2: Choose an Aggregator Platform: Select a trusted credit card aggregator that compares cards and supports assisted applications.
Step 3: Fill in Application Details: Enter your personal, contact, and income information accurately on the aggregator platform.
Step 4: Upload Required Documents: Submit digital copies of ID, address proof, and income documents as requested.
Step 5: Complete KYC Verification: Finish the verification process, usually through online or video KYC.
Step 6: Application Review & Approval: Your application is reviewed by the bank, and the decision is shared via the aggregator.
Step 7: Card Issuance & Delivery: Once approved, the SBI Card PULSE is issued and delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Health & Wellness Spends | Route all chemist, pharmacy, and sports purchases through this card to earn 10 Reward Points per ₹100 (2.5% value back), the highest rate on the card. |
Use for Dining and Movies | Pay for restaurant meals and movie tickets with this card to earn 10 reward points per ₹100 in these categories as well. |
Activate Memberships Promptly | Ensure at least one retail transaction is completed after the joining fee payment to trigger FITPASS PRO and Netmeds First vouchers, which arrive via email or SMS. |
Book FITPASS Sessions in Advance | Use the FITPASS app to pre-book sessions before visiting a gym or fitness studio. Walk-ins at partner centres are not guaranteed without a prior reservation. |
Claim the Welcome Smartwatch | The Noise ColorFit Pulse 4 Pro voucher (₹7,999) is delivered via email or SMS within 21 working days of the joining fee payment. Redeem it on the Noise platform using the voucher code. |
Track Spend Milestones | Monitor cumulative annual spends to target ₹2 lakh for the renewal fee waiver and ₹4 lakh for the ₹1,500 e-voucher via the sbicard.com account portal. |
Redeem Points Wisely | A ₹99 redemption fee applies per request. Consolidate points before redeeming to minimise this cost. Redeem at sbicard.com Rewards Catalogue or against the outstanding balance. |
Use Flexipay for Large Purchases | For transactions of ₹2,500 or more, log into sbicard.com within 30 days and select Flexipay under Benefits to convert into EMIs. Not available for add-on cardholders. |
Use All 8 Lounge Visits | Present the card at domestic airport lounges for 2 free visits per quarter. No spend condition required. Check the lounge list at sbicard.com before travelling. |
Report Card Loss Immediately | Call 1860 180 1290 or 39 02 02 02 immediately on card loss to activate the ₹1 lakh fraud liability cover (valid from 48 hours prior to reporting through 7 days post-reporting). |
Pay in Full Monthly | Clear the entire statement balance by the due date to avoid finance charges of 3.75% per month, which would eliminate any reward value earned. |
Avoid International Use Without a Forex Card | The 3.50% foreign currency transaction fee makes this card expensive for overseas spending. Pair with a zero-forex card for international use. |
The SBI Card PULSE is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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