SBI Card PULSE

SBI Card

SBI Card PULSE is a unique lifestyle-focused credit card that targets health-conscious Indian consumers and families who spend significantly on pharmacy, healthcare, and wellness. The card's defining feature is its 2% cashback on pharmacy and healthcare spends — an unusual and valuable category boost that makes it stand out among Indian credit cards. With rising healthcare costs in India and increasing health awareness post-COVID, pharmacy and healthcare spending has become a significant category for Indian families. The SBI Card PULSE card provides meaningful 2% cashback on spends at Apollo Pharmacy, Medplus, Fortis hospitals, and other registered healthcare merchants, making it one of the most rewarding cards for health-conscious individuals. Dining and food delivery cashback of 1.5% on Swiggy, Zomato, and restaurant spends addresses another major spending category for urban Indian consumers. For working professionals and families who regularly order food or dine out, this translates to significant annual savings. The card's 6 complimentary domestic airport lounge visits per year are provided through the Visa Lounge Access program and are refreshed quarterly (1.5 per quarter), making them accessible throughout the year. The 1% fuel surcharge waiver at all fuel stations adds further everyday value. At an annual fee of ₹1,499 — reversed on spending ₹3 lakhs per year — the card is accessible to individuals with a minimum annual income of ₹4 lakhs. For families with significant pharmacy, dining, and grocery spends, the card can generate annual cashback well in excess of the annual fee. Source: SBI Card official website, updated May 2026.