State Bank of India
SBI Card Pulse
Best for healthcare, rewards
₹1,499/yr annual fee · 10x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹1,499/yr
Reward rate
10x
Min. income
₹3,50,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹3.50 lakh/yr · CIBIL 700+
Reward cap
₹2,000/month
Welcome benefit
₹1,500 e-Voucher on annual retail spends of ₹4,00,000; complimentary 1-year FITPASS PRO Membership on card renewal ever…
Who is this for
- Rewards optimiser
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- ₹1,499 non-waiver joining fee
- ₹750 late-payment fee
- 2.5% cash-advance fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,499 | Not waivable |
| Annual fee | ₹1,499 | Waiver of Renewal Fee on annual spends of ₹2,00,000 or more in the preceding year |
| Forex markup | Not published | Not waivable |
| Late payment | ₹750 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹500 and ₹3,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| HEALTHCARE | 10.00 | ₹2,000/month | 0.25 |
| All spends | 10 Reward Points per ₹100 spent on Chemist, Pharmacy, Sports, Dining and Movies; 2 Reward Points per ₹100 on all othe… | Cap of 2,000 Reward Points per month on healthcare category (per existing catalog; not on the current marketing page) | 1 Reward Point = ₹0.25 (4 RP = Re. 1); can pay card outstanding with Reward Points or redeem against Reward Catalogue |
Benefits
-
Domestic lounge access
4 complimentary domestic lounge visits per year (max. 1 per quarter)
-
International lounge access Highlight
Complimentary Priority Pass Membership worth US $99 for the first 2 years; per-visit fee applies after
-
Milestone benefits Highlight
₹1,500 e-Voucher on annual retail spends of ₹4,00,000; complimentary 1-year FITPASS PRO Membership on card renewal every year; complimentary 1-year Netmeds First Membership on card renewal every year (subject to payment of Joining Fee and at least one retail transaction)
-
Fuel surcharge waiver
Not explicitly published on the marketing page (standard SBI Card 1% waiver likely applies but unverified)
Eligibility
- Age
- 21–65 years
- Min. income
- ₹3,50,000
- Min. credit score
- 700+
- Score note
- Good credit score
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips, bank statements, photo, address proof
SBI Card Pulse is a VISA credit card from SBI Card. It is best suited for healthcare, rewards.
Fees and rewards
- Annual fee: ₹1499
- Joining fee: ₹1499
- Rewards: 10X reward points on health
Eligibility
PAN, Aadhaar, latest salary slips, bank statements, photo, address proof
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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