SBI Card Pulse Review

20.06.2025 03:45 PM - Comment(s)

SBI Card Pulse

Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

and lead to unnecessary debt. Focus on stability & discipline."

SBI Card Pulse Review
"A Card That Moves With You"

Introduction

The SBI Card Pulse is a unique credit card tailored for individuals who prioritize health and fitness. It offers exclusive benefits like complimentary memberships, reward points on health-related spends, and travel perks, making it ideal for fitness enthusiasts. Here’s a detailed review to help you decide if this card suits your lifestyle.

Key Features and Benefits

Welcome Benefits

Get a Noise ColorFit Pulse 4 Pro Smart Watch worth ₹7,999 on payment of joining fee

Reward Structure

Earn 10 reward points per ₹100 spent on pharmacies, chemists, dining, and movies (4 RP = ₹1).
Earn 2 reward points per ₹100 on all other retail spends.

Health Benefits

Enjoy 1 year complimentary FITPASS PRO Membership, to be received every year, on card renewal

Enjoy 1 year complimentary Netmeds First Membership, to be received every year, on card renewal

Milestone Benefits

Get a Netmeds e-voucher worth ₹1,500 on achieving annual retail spends of ₹4 lakh.
Annual fee reversal on spending ₹2 lakh or more in the preceding year.

Lounge Access

Enjoy 8 complimentary domestic lounge visits annually (maximum of 2 visits per quarter).
Complimentary Priority Pass membership worth $99 for the first two years.

Insurance Coverage

Avail Fraud Liability Insurance Cover of ₹1 lakh.

Loss of check in baggage up to ₹72,000 (1000 USD).
Delay of check in baggage ₹7,500.
Loss of travel documents up to ₹12,500.
Delay in flight – Cover up to ₹7,500.

Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (maximum waiver of ₹250 per statement cycle).

Annual Fee

₹1,499 + GST (waived on annual spends of ₹2 lakh).

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Card Essential

Type	Reward Points
Welcome Benefits	Smart Watch worth ₹7,999*.
Annual Fee	₹1,499 + GST
Reward Structure	Rewards On SPENDS
Renewal Benefit	Spend ₹2 Lakh+ annually, get your renewal fee waived.

Rewards and Benefits Analysis

The SBI Card Pulse is ideal for health-conscious individuals who spend frequently on fitness-related services. The accelerated rewards on pharmacies, dining, and movies make it valuable for everyday expenses. Additionally, the milestone benefits provide incremental value for high spenders.

Practical Considerations

While the card excels in health-related benefits, its rewards structure for non-health categories is modest compared to other lifestyle cards. The annual fee is affordable and can be waived with moderate spending, making it accessible to a wide range of users.

Redemption Options

Reward points can be redeemed for statement credit or gift vouchers, providing flexibility in how you enjoy your rewards.

Ideal User Profile

This card is best suited for

Fitness enthusiasts who value health-related perks.
Individuals who frequently spend on dining, movies, and pharmacy purchases.
Those seeking an affordable credit card with focused benefits.

Final Thoughts

The SBI Card Pulse offers a compelling package for fitness enthusiasts with its exclusive memberships and reward structure. While it may not suit everyone due to its niche focus, its affordability and health benefits make it a great choice for those prioritizing fitness.

Additional Tips for Potential Applicants

Eligibility: Ensure you meet the income and credit score requirements.
Usage: Maximize spends at pharmacies and chemists to earn the highest rewards.
Redemption: Use reward points for statement credit or vouchers to maximize value.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the SBI Card Pulse aligns with their

spending habits and fitness goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.

Author And Publisher: Gyro 3.o

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