SBI Pulse Credit Card – Benefits, Rewards & Fees

Key takeaways

• Free gym membership, doctor visits, and extra points for health shopping every year.
   
• Spend Rs. 2,00,000 yearly for no renewal fee, spend Rs. 4,00,000 for Rs. 1,500 shopping vouchers.
   
• 8 free airport lounge visits yearly, plus a special $99 airport pass for the first two years.

The SBI Pulse Credit Card offers excellent health and fitness benefits alongside rewarding points for your everyday spending. This card suits people who want to stay healthy while earning valuable rewards on dining, entertainment, and medical purchases.

For example, Dhruv, a fitness enthusiast who regularly visits the gym, buys medicines from chemists, and enjoys dining out with colleagues. Instead of using a regular card, he chose the SBI Pulse Credit Card and now enjoys free FITPASS PRO membership for his workouts, discounted medicines through Netmeds, and bonus reward points on his health and entertainment spending. For him, the card is not just a payment method but a way to support his healthy lifestyle.

In this blog, we will explore the key features, benefits, eligibility criteria, charges, and rewards of the SBI Pulse Credit Card to help you decide whether it is the right choice for you.

Key Highlights of SBI Pulse Credit Card

Understanding the complete details of this SBI Pulse Credit Card will help you make an informed choice. Below are the essential features, fees, and benefits you should know about before applying.
 

This SBI Pulse Credit Card proves exceptionally suitable for individuals prioritising health benefits while simultaneously appreciating entertainment and dining reward accumulation, with welcome gifts and potential fee waivers rendering it particularly attractive for consistent utilisation patterns.

Benefits of SBI Pulse Credit Card

Your SBI Pulse Credit Card offers excellent benefits that add real value to your everyday spending. These benefits help you save money, stay healthy, and enjoy premium services throughout the year.

Health Benefits:

Your card provides comprehensive wellness support through these annual memberships.

• Free FITPASS PRO Membership for 1 year: You get this membership free every year when you renew your card
   
• Free Netmeds First Membership for 1 year: You receive this membership free every year when you renew your card

These memberships renew automatically with your card each year.

Milestone Benefits:

Your spending unlocks valuable rewards throughout the year.

• No renewal fee: SBI waives your annual renewal fee when you spend Rs. 2,00,000 or more in a year
   
• Rs. 1,500 shopping voucher: You get this voucher when you spend Rs. 4,00,000 or more on retail purchases in a year

Track your annual expenses to maximise these spending rewards.

Airport Lounge Benefits:

Your card transforms travel experiences with premium lounge access.

• 8 free domestic airport lounge visits per year: You can use up to 2 visits per quarter
   
• Free Priority Pass membership worth US $99: You get this premium international lounge access free for your first two years

These benefits make every journey more comfortable and relaxing.

These benefits exponentially enhance your SBI Pulse Credit Card's value proposition through increased utilisation, while diligent annual expenditure tracking unlocks milestone rewards and facilitates premium travel service accessibility.

SBI Pulse Credit Card Cashbacks and Rewards

Your SBI Pulse Credit Card comes with an exciting rewards programme that lets you earn points on every purchase. The more you spend, the more you earn, and you can use these points in many different ways.

How You Earn Reward Points:

Your every purchase generates valuable reward points automatically.

• You earn 10 Reward Points for every Rs. 100 you spend at chemists, pharmacies, sports shops, restaurants, and cinemas
   
• You earn 2 Reward Points for every Rs. 100 you spend on all other purchases
   
• Every 4 Reward Points equals Rs. 1 in value

Higher rates on health and entertainment spending maximise your earnings.

How You Can Use Your Reward Points:

Your accumulated points offer flexible redemption options.

• Pay part of your credit card bill using your reward points
   
• Choose from a wide selection of gifts in our rewards catalogue
   
• Browse through our rewards catalogue online to pick your favourite gifts

These options let you save money or enjoy special treats.

Commence immediate reward point accumulation through every transaction while regularly monitoring balances to strategically utilise points for bill reductions or catalogue gift acquisitions.

SBI Pulse Credit Card Fees and Other Charges

Understanding the fees and charges for the SBI Pulse Credit Card will help you use it wisely and avoid unexpected costs. Here are all the main charges you need to know about.

A. Annual and Add-on Fees

The SBI Pulse Credit Card charges reasonable annual fees that become free with regular spending.
 

Regular spending of Rs. 2,00,000 annually eliminates renewal fees completely.

B. Cash Withdrawal Fees

Cash withdrawals incur significant fees and immediate interest charges on all transactions.
 

Note: SBI may change these fees at any time

C. Cash Payment Fees

You pay different fees depending on where you make cash payments.

Pick the right bank to avoid unnecessary charges on your payments.

D. Interest-Free Period

You get free interest days only when you pay your full bill on time.
 

Pay your complete bill every month to enjoy interest-free shopping.

E. Interest Charges

Not paying your full bill results in high monthly interest charges.
 

Always pay your complete bill to avoid these expensive interest costs.

Important Notes
 

• Interest is charged from the transaction date until full payment
   
• SBI can change interest rates at any time
   
• All charges are subject to applicable taxes

General Terms
 

• SBI charges fees for specific services or when you break the card rules
   
• SBI can change these charges or add new ones at any time, but will inform you beforehand
   
• Always try to pay your full bill on time to avoid extra costs

Review these charges regularly and contact SBI if you have questions about any fees or charges on your account.

Late Payment Charges Fee Applicable on SBI Pulse Credit Card

SBI will charge you a fee if you do not pay the minimum amount due by your payment due date. The charge depends on how much money you owe on your card.

Charge Structure:
 

• No charge if you owe between Rs.0-Rs.500
   
• Rs. 400 if you owe more than Rs. 500 up to Rs. 1,000
   
• Rs. 750 if you owe more than Rs. 1,000 up to Rs. 10,000
   
• Rs. 950 if you owe more than Rs. 10,000 up to Rs. 25,000
   
• Rs. 1,100 if you owe more than Rs. 25,000 up to Rs. 50,000
   
• Rs. 1,300 if you owe more than Rs. 50,000

Pay on time to avoid these escalating penalty charges.

Bonus Tip: SBI will charge you an extra Rs. 100 if you miss your minimum payment for two months in a row. They will keep charging this fee every month until you pay the minimum amount.

Always pay at least the minimum amount due before your payment date to avoid these charges. Set up reminders or automatic payments to help you pay on time and save money on fees.

Eligibility Criteria for SBI Pulse Credit Card

Before you apply for an SBI Pulse Credit Card, you need to check if you meet the basic requirements. SBI will look at many factors when they review your application, but you must meet these essential criteria first.

Basic Requirements:
 

• You must be at least 21 years old
   
• You must be no more than 70 years old
   
• You must be either a salaried employee or self-employed
   
• You must have a regular income and a good credit score

Make sure you meet all these basic requirements before you submit your application. If you qualify, you can proceed to apply for your SBI Pulse Credit Card.

Required Documents to Apply for SBI Pulse Credit Card

To apply for an SBI Pulse Credit Card, you must provide the following documents. Make sure you have all these papers ready before you start your application.

Required Documents:
 

• Your PAN Card
   
• A copy of your Aadhaar Card (hide the first 8 numbers) or any valid government-issued address proof
   
• Income documents such as your salary slip or income tax return (SBI may ask for these based on the credit card type and their rules)

Assembling these requisite documents before application submission ensures expedited processing while simultaneously enhancing approval probability through comprehensive documentation preparedness.

How To Apply for an SBI Pulse Credit Card

Follow these simple steps to apply for the SBI Pulse credit card online through the official website.

Step 1: Go to the official website of SBI 
 

Step 2: Scroll down, and you will see four columns. In the rightmost column, there is SBI Cards in the last row.
 

Step 3: Click on the SBI cards, and you will be redirected to the SBI Cards page.
 

Step 4: Ensure the Personal option is selected from the top menu.
 

Step 5: From the row beneath, click on Credit Cards
 

Step 6: Scroll down and click on the apply button of the SBI Pulse credit card.

Complete the application form with your details and submit the required documents to finalise your credit card application.

Offline Steps:

Visit your local SBI branch to apply for the credit card using paper forms and documents.

Step 1: Go to your nearest SBI bank branch for the application.
 

Step 2: Ask the bank staff for a credit card application form.
 

Step 3: Fill in all your personal and money details on the form.
 

Step 4: Give your completed form and document copies to the bank staff.
 

Step 5: Wait for the bank to check your application and tell you the result.

The offline method takes longer but lets you speak directly with bank staff for help.

Conclusion

The SBI Pulse Credit Card represents an exceptionally sophisticated financial instrument for health-conscious professionals seeking comprehensive lifestyle enhancement. This premium SBI Pulse Credit Card seamlessly integrates multifaceted fitness memberships, extensive medical benefits, and sophisticated reward systems into one comprehensive package.

Whether strategically maximising bonus points through entertainment expenditures or experiencing complimentary airport lounge accessibility, the SBI Pulse Credit Card delivers substantial value enhancement for discerning preferences. With attractive welcome offerings and advantageous fee waivers, the SBI Pulse Credit Card demonstrates that appropriately selected cards genuinely transform daily life whilst supporting comprehensive wellness aspirations.

FAQs

1. Does the SBI Pulse Credit Card help with fitness and health benefits?

Yes, the SBI Pulse Credit Card gives you a free gym membership and extra points on health shopping.

2. Can I still use the SBI Pulse Credit Card if I don't exercise much?

Yes, the SBI Pulse Credit Card earns rewards on dining, films, and all other spending too.

3. Does the SBI Pulse Credit Card provide airport lounge access for travel?

Yes, the SBI Pulse Credit Card offers 8 free airport lounge visits every year.

4. Will the SBI Pulse Credit Card annual fee be waived with regular use?

Yes, the SBI Pulse Credit Card removes the yearly fee when you spend Rs. 2,00,000.

5. What welcome gift comes with the SBI Pulse Credit Card application?

The SBI Pulse Credit Card includes a free ColorFit Pulse 4 Pro smartwatch worth Rs. 7,999.

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LoansJagat Team

We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?