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SBI Card PULSE

Holistic Health & Fitness Card — Complimentary Fitpass Pro, Smartwatch & 8 Airport Lounges

Best Suited For

Fitness enthusiasts, gym-goers, health-conscious spenders, and frequent medicine shoppers who want free gym memberships alongside airport lounge travel perks.

Rewards Airport Lounge Health Lifestyle

Joining Fee

₹1,499

One-time upfront

Annual Fee

₹1,499

Waived on ₹2 lakh annual spend

Base Rewards

2 Reward Points per Rs. 100 on other retail spends

On eligible spends

Airport Lounge

2 Domestic visits/quarter

Complimentary visits

Apply Now Compare Card Official Terms

See where this card gets lounge access

Last verified 10 Sept 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

The SBI Card PULSE is India's pioneer wellness-oriented credit card, engineered specifically to reward fitness routines, healthcare expenses, and active lifestyle choices. Priced at an **annual fee of ₹1,499 + GST** (waived on spending ₹2,00,000 annually), the card delivers remarkable upfront value by gifting new cardholders a **Noise ColorFit Pulse Smartwatch (worth ₹4,999 MRP)** upon payment of the joining fee, instantly recovering the initial fee threefold. The ongoing centerpiece of the card is its comprehensive wellness suite: cardholders receive a complimentary **1-Year Fitpass Pro Membership**, granting access to 4,000+ gyms and fitness studios across India (which renews annually on making just 1 retail transaction per calendar quarter). Furthermore, cardholders receive a **1-Year Netmeds First Membership**, offering 2.5% NMS SuperCash, zero delivery charges, and priority online doctor consultations. On spending, the card offers an accelerated **10 Reward Points per ₹100 spent on Pharmacy, Chemist, Dining, and Movies** (where 4 RPs = ₹1, delivering a direct 2.5% reward return). Beyond health benefits, SBI Card PULSE is an accomplished travel companion, offering **8 complimentary domestic airport lounge visits per calendar year (up to 2 visits per quarter)** without burdensome prior-month spend hurdles. Reaching ₹4,00,000 in annual spending unlocks an additional **₹1,500 milestone e-gift voucher**. For gym-goers and health-conscious families who spend regularly on pharmacy orders and dining out, SBI Card PULSE easily justifies its fee year after year.

Ideal For:Fitness enthusiasts, gym-goers, health-conscious spenders, and frequent medicine shoppers who want free gym memberships alongside airport lounge travel perks.

Rewards Airport Lounge Health

Card Strengths

Complimentary Noise ColorFit Pulse smartwatch welcome gift worth ₹4,999 MRP
Complimentary 1-year Fitpass Pro membership with access to 4,000+ gyms across India
8 complimentary domestic airport lounge visits per calendar year (2 per quarter)
10 Reward Points per ₹100 (2.5% value back) on pharmacy, dining, and movie tickets
Complimentary 1-year Netmeds First membership with free delivery and doctor consults

Things to Keep in Mind

Base reward rate on general non-health spending is modest at 0.50%
Standard foreign currency markup fee of 3.50% applies on overseas transactions
Annual spend threshold of ₹2,00,000 required for renewal fee waiver
Reward redemption against catalogue or statement credit incurs ₹99 + GST fee

Additional Cardholder Privileges

Welcome

Rs. 7,999 watch

Welcome Smartwatch

Noise ColorFit Pulse 4 Pro Smart Watch worth Rs. 7,999 on payment of Joining Fee.

Lounge

4 visits/year

Domestic Airport Lounge Access

Cardholders receive 4 complimentary domestic airport lounge visits per calendar year, capped at 1 visit per quarter under SBI Set A.

Other

Free memberships

Fitpass Pro & Netmeds First

Access to 4,000+ gyms and fitness studios across India via Fitpass Pro, plus unlimited doctor consultations via Netmeds First.

Rewards

10 RPs / Rs. 100

Accelerated Chemist & Dining Rewards

Earn 10 Reward Points for every Rs. 100 spent on Chemist, Pharmacy, Dining, and Movie tickets.

Fuel

1% waiver

Fuel Surcharge Waiver

1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 4,000, capped at Rs. 250 per statement cycle.

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: SBI Card PULSE Rewards
Reward Currency: Reward Points
Base Earn Rate: 2 Reward Points per Rs. 100 on other retail spends
Point Value (INR): ₹0.2500 per point
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Refer to bank rewards program terms

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Pharmacy, Chemist, Dining & Movies	10 Reward Points per ₹100 spent (10X = 2.5% valueback)	No Cap	Standard terms apply
All Other Retail Spends	2 Reward Points per ₹100 spent (1 RP = ₹0.25)	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

Open Rewards Calculator

Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Pharmacy, Chemist, Dining & Movies2.50%

No published cap

₹

All Other Retail Spends0.50%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Pharmacy, Chemist, Dining & Movies	₹12,000	10 Reward Points per ₹100 spent (10X = 2.5% valueback)	—	None	Calculating...	Under cap
All Other Retail Spends	₹18,000	2 Reward Points per ₹100 spent (1 RP = ₹0.25)	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹1,499

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹1499 annual fee.

Multi-card comparator

Milestone Spend Progression

Bonus vouchers and annual fee waiver milestones unlocked as your total spend increases

Tier 1 Target

₹50,000per card anniversary

Worth ₹2,500

Comprehensive Health Check-up

Complimentary comprehensive health check-up package upon achieving Rs. 50,000 spend within 90 days of card issuance / renewal.

Tier 2 Target

₹2 lakhper year

Worth ₹1,499

Renewal Fee Reversal

Renewal fee of Rs. 1,499 reversed on annual retail spends of Rs. 2 Lakhs in previous membership year.

*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

Domestic Lounge Access

Airports within India

Included

Complimentary Visits: 2 complimentary visits per quarter
Spend Requirement: No spend requirement

2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year) within India

International Lounge Access

Global airports outside India

Included

Complimentary Visits: 1 complimentary visit per quarter
Spend Requirement: Verification in progress
Access Type: SBI Card PULSE Airport Lounge Access Program

Planning an upcoming departure?

Verify this card against live departure gates and specific terminal lounges across India.

Check airport coverage →

Chennai International AirportMAA

Terminal 1

Participating Lounges

Travel Club Lounge B

View All Airport Cards →

Chhatrapati Shivaji Maharaj International AirportBOM

Terminal 1B, Terminal 2

Participating Lounges

Adani Lounge Travel Club Adani East Lounge

View All Airport Cards →

Indira Gandhi International AirportDEL

Terminal 1, Terminal 3

Participating Lounges

Encalm Lounge

View All Airport Cards →

Kempegowda International Airport BengaluruBLR

Terminal 1, Terminal 2

Participating Lounges

080 Domestic Lounge West PH2 080 International Lounge

View All Airport Cards →

Netaji Subhash Chandra Bose International AirportCCU

Terminal 1

Participating Lounges

Travel Club Lounge

View All Airport Cards →

Rajiv Gandhi International AirportHYD

Terminal 1

Participating Lounges

Encalm Lounge

View All Airport Cards →

Sardar Vallabh Patel International AirportAMD

Terminal 1

Participating Lounges

The Lounge

View All Airport Cards →

Where can I use this card for airport lounge access?

This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.

See where this card gets lounge access

Airport Lounge Checker

Domestic Allowance2 Domestic visits/quarter

Airport Coverage40+ Major Indian Airports

Lounge DirectoryView All Lounge Coverage

Representative Major Airport Lounges:

Delhi (DEL)Mumbai (BOM)Bengaluru (BLR)Hyderabad (HYD)Chennai (MAA)Kolkata (CCU)All 40+ Airports →

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹1,499
Annual / Renewal Fee (2nd Year Onwards): ₹1,499
Annual Spend Fee Waiver: Waived on ₹2 lakh annual spend
Fee Terms Notes: Joining fee ₹1,499 + GST; annual renewal fee ₹1,499 + GST waived on spending ₹2,00,000 in preceding year.

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges
Fuel Surcharge Waiver: 1% fuel surcharge waiver

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining Fee: ₹1,499 + GST (Welcome benefit of Noise ColorFit Pulse Smart Watch worth ₹4,999 MRP upon fee settlement). • Annual Renewal Fee: ₹1,499 + GST. • Spend-Based Fee Waiver: Annual fee waived on achieving annual retail spend of ₹2,00,000 in the preceding anniversary year. • Fitness Privileges: Complimentary 1-year Fitpass Pro membership giving access to 4,000+ gyms and fitness studios across India (renews annually upon 1 retail transaction per quarter). • Healthcare Privileges: Complimentary 1-year Netmeds First membership providing 2.5% NMS SuperCash, free delivery, and priority doctor consultations. • Domestic Airport Lounge Access: 8 complimentary visits per calendar year (up to 2 visits per calendar quarter) at domestic airport lounges across India. • Accelerated Rewards: 10 Reward Points per ₹100 spent on Chemist/Pharmacy, Dining, and Movie tickets (4 RPs = ₹1; 2.5% value back). • Base Rewards: 2 Reward Points per ₹100 spent on all other retail transactions (0.5% value back). • Spend Milestone Gift: E-gift voucher worth ₹1,500 on reaching annual retail spends of ₹4,00,000. • Fuel Surcharge Waiver: 1% surcharge waiver on transactions between ₹500 and ₹4,000 (maximum waiver ₹250 per statement month). • Foreign Currency Markup: 3.50% + GST.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹1,499 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Age Requirement: 21 – 70 years
Employment Status: Salaried or Self-Employed
Recommended Credit Score (CIBIL): Not specified
Residency: Resident Indian
Special Eligibility Notes: Subject to SBI Card standard underwriting and credit criteria.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding SBI Card PULSE application, fees, reward redemption, and eligibility

How do I activate the complimentary Fitpass Pro membership?

Upon card activation and payment of the joining fee, you will receive an activation SMS/email with a voucher code. Download the Fitpass app, register your mobile number, enter the promo code under memberships, and select your preferred gyms or workout studios.

How does the Fitpass Pro membership renew in subsequent years?

Your Fitpass Pro membership renews automatically for another year as long as you execute at least one retail transaction with your SBI Card PULSE in each calendar quarter of your card membership year.

Which airport lounges can I access with SBI Card PULSE?

You can access participating domestic airport lounges across major Indian airports (including Delhi, Mumbai, Bengaluru, Hyderabad, and Chennai) up to 2 times per calendar quarter simply by presenting your physical card.

How can I redeem my accumulated PULSE reward points?

Reward points can be redeemed on the SBI Card mobile app or sbicard.com against a wide array of e-gift vouchers (Amazon, Flipkart, lifestyle brands) or applied as statement credit against your outstanding bill balance.

What is the joining and annual renewal fee for SBI Card PULSE?

The joining fee for SBI Card PULSE is ₹1,499 (one-time), and the annual renewal fee is ₹1,499 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on SBI Card PULSE be waived?

Yes, the annual renewal fee of ₹1,499 is waived upon achieving annual spends of ₹2 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on SBI Card PULSE?

SBI Card PULSE offers 2 Reward Points per Rs. 100 on other retail spends. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does SBI Card PULSE offer complimentary airport lounge access?

Yes, SBI Card PULSE provides 2 Domestic visits/quarter.