SBI Card Pulse forex markup fee — what is the actual rate?
Praveen Kannan
Asked 27 May 2026
I'm planning an international trip. What is the foreign currency markup charged on SBI Card Pulse? Is there any way to get it lower?
2 Answers
The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
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