SBI Card Pulse

The State Bank of India (SBI) credit card, introduced by one of the biggest banks in the nation and created especially for people who live active lives, focuses on fitness. To safeguard the health and wellbeing of users, the card provides a number of complementary health memberships and advantages. Read on for more information on SBI Card Pulse, covering its benefits, eligibility requirements, related costs, and review.

You receive welcome benefits and a one-year membership to Fitpass Pro with this card. It follows that there are many more advantages to having this card, such as reward points, free access to airport lounges, insurance coverage, and many others.

Before applying, make sure to review the card’s fees and other costs. The charge for the Pulse credit card can be paid in a number of ways as well.

This credit card includes a number of exclusive health perks designed to assist the consumer in managing both their well-being and their finances jointly. A one-time yearly fee of $1,499 (plus GST) and a yearly renewal cost of the same amount are charged for this SBI credit card. However, if a customer spends a minimum of 2 lakh in a single year, the renewal cost is waived.

As a welcome gift, this card gives you a Noise ColorFit PULSE 2 Max smartwatch in keeping with its fitness-focused rewards scheme. The card not only allows you to monitor your fitness levels but also includes free memberships to FITPASS PRO and NetMeds.

Fees And Charges Of SBI Card Pulse

Fee Type	Charge
Annual Fee	Rs.1,499 + taxes
Renewal Fee	Rs. 1,499 + taxes
Add-on Fee	Nil
Cash Advance Fee	(Domestic ATMs) 2.5% of the total amount withdrawn, capped at Rs.(International ATMs) 2.5% of the sum withdrawn, or Rs. 500
Finance Charges	3.50 percent every month, or 42% annually
Payment dishonor fee	2 percent of the total payment; a minimum of Rs. 450
Statement request	Rs. 100 for each statement that is older than two months
Cash payment fee	Rs.250
Late payment	From Rs.0 to Rs.500 – NilMore than Rs.500 up to Rs.1,000 – Rs.400More than Rs.1,000 up to Rs.10,000 – Rs.750More than Rs.10,000 up to Rs.25,000 – Rs.950More than Rs.25,000 up to Rs.50,000 – Rs.1,100More than Rs.50,000 – Rs.1,300.
Cheque payment fee	Rs.100
Over limit fee	2% of any amount beyond the limit, with a minimum of Rs. 600
Rewards redemption fee	Rs.99
Foreign currency transaction	3.50%

Features And Benefits Of SBI Card Pulse

The SBI Card Pulse is intended for people who want a credit card featuring health benefits, as was previously mentioned. However, in addition to health advantages, this card also grants you a number of perks in a variety of categories, including travel, reward programmes, milestone rewards, welcome benefits, and a lot more.

The following details all of its characteristics and benefits in detail:

Benefit Category	Type of Reward
Welcome Gift	Receive a complimentary Noise ColorFit PULSE 2 Max smartwatch, valued at Rs. 5,999.
Health Benefits	Free NetMeds membership for a yearFree FITPASS PRO subscription for one year The following benefits are included with your free Netmeds First membership: -Access limitless online doctor consultations. -Have annual basic health exams. -On every prepaid order, receive free 2.5% NMS Super Cash (up to Rs. 1000). -An additional 5% off of pathology lab testing is available. -Enjoy limitless free delivery. You receive a free FitPass Pro subscription that entitles you to the following benefits: -Access to over than 4,000 gymnasium and health clubs. -Access to both live and recorded online workout sessions is unlimited. -Private fitness coaching sessions conducted by artificial intelligence and a personal dietician. You can only use the aforementioned free membership fee if you pay the initial charge promptly and use your credit card for at least one commercial purchase. Additionally, when you submit the annual renewal cost, your membership is renewed.
Insurance Benefits	1 lakh in fraud liability insurance 50 lakhs in Air Accident Coverage Up to Rs.12,500 in Loss of travel documentation Coverage for baggage damage up to 5,000
Milestone Benefits	Waiver of renewal fees for annual expenditures beyond 2 lakhs E-gift Cards worth 1500 on annual retail purchases of 4 lakhs The qualified cardholders receive the gift voucher via SMS or email within 45 days.
Lounge Access Benefits	8 complimentary visits (2 per quarter) to domestic airport lounges Free Priority Pass membership for the first two years, valued at Rs. 99
Fuel Benefits	1% of fuel surcharges are waived on purchases between Rs. 500 and Rs. 4,000 (up to Rs. 250 every billing cycle).
Add-on Card	Get complimentary additional credit cards for your spouse, parents, or other family members.
Flexipay Advantage	Spending over 2,500 rupees can be turned into simple EMIs. After 30 days of the transaction, credit card transactions may be converted. Therefore, be sure not to miss this. Then and only then will you be able to utilise one of the top credit cards in India for EMI transactions.
Contactless Benefit	Take advantage of the tap-and-pay feature at secure readers to reduce the possibility of scraping and counterfeit fraud.
Global Acceptance	Over 24 million businesses worldwide accept the PULSE payment card.
Easy Bill Payment	You can use the SBI Card Pulse’s Easy Bill Pay feature to pay the bills for your utilities, including those for electricity, gas, and water. To prevent late fines and penalties, you may additionally set up regular bill payments.
Balance Transfer	Your outstanding debt from previous credit cards can be transferred to the SBI Card Pulse at a cheaper interest rate. This can lower your interest costs and make paying your credit card bills simpler.

Rewards Rate

• For every 100 rupees spent at a restaurant, pharmacy, or pharmacist, you receive 10 reward points.
• For every Rs. 100 spent in other categories, you receive 2 Reward Points.
• On certain transactions, such as withdrawals of cash, buying fuel, balance transfers, and wallet reloading, no bonus points are accrued.

Reward Point Redemption

• After logging into your internet banking account, use your earned Reward Points to purchase a variety of items.
• The reward points may additionally be turned into cash by being applied to the statement balance.
• 1 RP = Re. 0.25.

Late Payment Charges

On top of that, SBI Bank will assess a late payment fee on your unpaid credit card account. Well, the majority of us experience difficulty paying our bills on time. You will therefore be required to pay the outstanding balance plus a late fee if that occurs on the SBI Pulse Credit Card. The SBI Pulse Credit Card’s late fees are listed below.

Outstanding Amount	Late Payment Charges
Between INR 0 to INR 500	NIL
Between INR 501 to INR 1000	INR 400
Between INR 1001 to INR 10000	INR 750
Between INR 10001 to INR 25000	INR 950
Between INR 25001 to INR 50000	INR 1100
Above INR 50000	INR 1300

Eligibility And Documentation Required For SBI Card Pulse

You must meet specific requirements in order to be eligible for consideration for the SBI Card PULSE. Here are more specifics about the matter.

Citizenship	Indian
Minimum age	21 years
Maximum age	60 years
Annual income	₹2 Lakhs annually
Minimum age for add-on cards	18 years

The information about the necessary SBI Card PULSE documentation is provided below.

• Identity documentation (passport, PAN card, voter identification card, Aadhaar card)
• Address verification (utility bills, voter ID card, Aadhaar card)
• Income documentation (recent pay stubs)
• Bank statements
• Passport-sized pictures

How To Apply For SBI Card Pulse?

Any of the methods listed below can be used to apply for the SBI Card Pulse:

• Offline: Fill out the credit card form in the SBI bank branch that is closest to you, or contact the bank’s customer service department.
• Online: You may apply for an SBI card online using either the bank’s official website or the YONO mobile application. To submit an application for the card online on the bank’s website, follow the instructions listed below:
• Go to the ‘Credit Cards’ page on the bank’s official website.
• Choose SBI Card PULSE from the menu.
• To continue, click the “Apply Now” button and provide all the necessary information.

By using the processes outlined below, you may additionally apply for the card online using our website:

• On the home page of our website, click the “Credit Cards” section, and then fill out all the necessary personal and professional information.
• To verify your mobile number, enter the OTP that you got on your phone.
• One of our credit card specialists will call you and assist you in completing your credit card application form.

SBI Card Pulse Balance Transfer Facility

With the SBI Pulse Card, consumers have the option to pay off their remaining balance in manageable, low-interest installments. The customer must enter into sbicard.com using a legitimate login and password in order to access this service.

How To Avail The Balance Transfer on EMI facility?

To use the balance transfers on EMI facility, follow the instructions below:

• Step 1: First, access sbicard.com
• Step 2: Click on the ‘Benefits’ link in the left-hand menu and select the ‘Balance Transfer on EMI’ option.
• Step 3: Complete the necessary information and select the “Balance Transfer on EMI” option.
• You may also request to use the “Balance Transfer on EMI” service by calling the SBI card helpdesk at 1860 180 1290 (from BSNL/MTNL lines) or 39 02 02 02 (prefix local STD number).

SBI Card Pulse Flexipay

The ‘Flexipay’ feature is available to consumers of the SBI Pulse Card. The ‘Flexipay’ feature enables users to split purchases costing Rs. 2,500 or more into manageable monthly installments. Within 30 days of the purchase, the customer must log onto sbicard.com and change the transaction to “Flexipay” in order to use this service.

How To Avail The Flexipay Facility?

To use the Flexipay feature, follow the procedures listed below:

• Step 1: First, access sbicard.com
• Step 2: In the ‘Benefits’ section of the left side navigation, choose the ‘Flexipay’ option.
• Step 3: Choose the transaction(s) you wish to convert to Flexipay that are over Rs. 500, then fill out the necessary information and complete the booking.
• As an alternative, you can call the SBI Card Helpline at 1860 180 1290 (from BSNL/MTNL lines) or 39 02 02 02 (prefix local STD code) and ask to use the “Flexipay” feature.

Easy Money On SBI Card Pulse

Customers of the SBI Pulse Card have the option of obtaining quick credit for a brief period of time at a relatively low interest rate. With the “Easy Money” option, the consumer receives the monies via check or draught up to the cash limit at their door. The customer may also use NEFT to receive an immediate transfer to their bank account.

How to Avail The Easy Money Facility?

To use the Easy Money feature, follow the steps listed below:

• Step 1: First, access sbicard.com
• Step 2: In the ‘Benefits’ part of the left-hand menu, choose ‘Easy Money’.
• Step 3: Complete the necessary information and immediately reserve the “Easy Money.”
• As an alternative, you can call the SBI Card Helpline at 1860 180 1290 (from BSNL/MTNL lines) or 39 02 02 02 (prefix local STD number) and ask to use the “Easy Money” feature.

Should You Get This Card?

The very first credit card in the nation of India to focus exclusively on its users’ health and fitness is SBI Card Pulse. If you’re looking for a credit card with benefits for your wellness as well as entertainment, this might be the ideal choice for you. Furthermore, this SBI card offers lounge benefits to make travel for consumers convenient and enjoyable. People hoping for lifestyle advantages or an elevated reward rate on expenditure categories other than wellness and health are not the right candidates for the card. Through this card, you also receive a sizeable air mishap and fraud liability cover.

SBI Card Pulse Payment Methods

Your SBI Card PULSE bill can be conveniently paid both online and offline in a number of ways. We’ve listed some of them below to assist you in making prompt payments:

• SBI Online – Sign in to SBI Net Banking to quickly pay your bills.
• NEFT – You can make transactions at any moment, from any location, by adding your SBI credit card bank as a NEFT beneficiary.
• YONO App– You can settle your debts with the SBI YONO App if you’ve got an account there.
• UPI – Another option is to promptly pay the bills via UPI.
• Select Debit Cards – If you’ve got a debit card from one of the chosen banks, such as Rupay, you can use it to settle debts immediately.
• NACH Mandate – Setting up a standing order ensures automated quarterly deductions, preventing problems associated with due dates.

Cards Similar To SBI Card Pulse

The list of credit cards that provide similar health advantages to SBI Card Pulse is provided below:

Credit Card	Annual Fee	Rewards
Yes Bank Wellness Plus Credit Card	Rs. 1,499	20 reward points for every 200 rupees spent at pharmacies and chemists
Axis Bank AURA Credit Card	Rs. 749	5X bonus points on insurance purchases
Apollo SBI Credit Card	Rs. 499	For each Rs. 100 spent across all Apollo services, receive 3X Reward Points.

How to Contact SBI Card Pulse Customer Care?

You may contact SBI Card PULSE support on a number of channels owing to the bank.

Toll-free numbers	1860 500 12901860 180 12901860 180 7777
City-wise number	39020202 (Add your local STD code before dialling)
Email Id	customercare@sbicard.com
Facebook	https://www.facebook.com/sbicard
Twitter	https://twitter.com/sbicard_connect
Instagram	https://www.instagram.com/sbicard_connect/?hl=en
LinkedIn	https://www.linkedin.com/company/sbi-card/
Postal address	SBI Cards and Payment Services LimitedUnit 401 & 402, 04th Floor, Aggarwal Millennium Tower, E-1,2,3 Netaji Subhash Place, Wazirpur, New Delhi 110034
Nodal officer (Grievance redressal officer)	DLF Infinity Towers, Tower C, 10th–12th Floor, Block 2, Building 3, DLF Cyber City, Gurgaon –122002 (Haryana)Email – nodalofficer@sbicard.com

Comparison: SBI Card Pulse Vs. Yes Bank Wellness Pulse Credit Card

Parameters	SBI Card Pulse	Yes Bank Wellness Plus Credit Card
Annual Fee	Rs. 1,499 + taxes	Rs. 1,499 + taxes
Welcome Benefit	A Rs. 5,999 Noise ColorFit Smart Watch	(Applicable to the first 5 billers enrolled) five times the reward points on the first 3 purchases of the biller.
Reward Points	10 points are awarded for every Rs. 100 spent at pharmacies, restaurants, and movie theatres. For every Rs. 100 you spend in all other categories, you earn two reward points.	Spending Rs. 200 in chemist/pharmaceutical stores earns you 30 reward points. Spending Rs. 200 on every other category will get you 6 reward points.
Milestone Benefits	Waiver of renewal fees for spending at least Rs. 2 lakh annuallyRs. 1500 e-voucher on minimum yearly retail spending of Rs. 4 lakhs	NA
Lounge Access	8 free visits to domestic lounges per year (2 per quarter).	For primary cardholders, two domestic lounge visits every quarter across more than 30 lounges
Complimentary Memberships	Memberships at the Priority Pass Lounge for USD 99, FITPASS PRO, and Netmeds First are also available.	Annual preventative health checks, annual eye and dental exams, unlimited consultations with general practitioners, specialists, and nutritionists, and 12 monthly fitness sessions are all available via the Aditya Birla Multiply app.

SBI Card Pulse Vs. SBI Prime Credit Card

Basis	SBI Card PULSE	SBI Prime Credit Card
Reward Rate	For every Rs. 100 spend on restaurants, movies, and pharmacies, you will receive 5x RP. For every Rs. 100 you spend on anything else than petrol, you get two RP.	For every Rs. 100 spent on meals out, films, groceries, and department stores, you receive 5x RP. For every Rs. 100 spend in retail, two RP are awarded. For every Rs. 100 spend on the birthday, you get 10 RP.
Reward Redemption	Allowed to be used to purchase items from sbicard.com. Redeemable for cash; 1 RP is equal to 0.25 Rs.	Allowed to be used to purchase items from sbicard.com. Redeemable for cash; 1 RP is equal to 0.25 Rs.
Fuel Surcharge Waiver	1 % across all gas stations	1% at all IOCL fuel stations
Welcome Benefits	complimentary smartwatch worth Rs. 5,999. Complimentary First Membership with Netmeds.	Any one of the following companies will give you a gift certificate worth Rs. 3,000: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra.
Dining Benefits	NA	25% off eating expenses at all participating establishments when using the American Express version exclusively.
Milestone Benefits	a Netmeds gift card of Rs. 1,500 when you spend at least Rs. 4 lakh in an annual year	Upon purchasing Rs. 50,000 in a quarter, you’ll receive a Rs. 1,000 Pizza Hut voucher. Voucher either Yatra or Pantaloons worth Rs. 7,000 upon spending Rs. 5,000 in the jubilee year
Lounge Access	8 free domestic lounge access (2 per quarter maximum)	Free access to two domestic lounges each quarter. Access to four free foreign lounges (2 each quarter) is included with Priority Pass membership.
Joining Fee	Rs. 1,499 + Taxes	Rs. 2,999 + Taxes
Renewal Fees	Rs. 1,499 + Taxes	Rs. 2,999 + Taxes
Eligibility	Obtainable by salaried people between the ages of 18 and 65. Issued to independent contractors between the ages of 21 and 60. The candidate should have a reliable source of income and a respectable credit rating.	Given to salaried people between the ages of 18 and 65 who make at least Rs. 32,000 a month. Issued to independent contractors between the ages of 21 and 65 with an annual salary of Rs. 32,000 according to ITR.

SBI SimplyClick Credit Card Vs. SBI Card Pulse

Basis	SBI SimplyCLICK Credit Card	SBI Card PULSE
Reward Rate	For every Rs. 100 used for items other than petrol, one RP is awarded. For every Rs. 100 purchased elsewhere online, you will receive 5x RP. For every Rs. 100 purchased with partner merchants, receive 10x RP.	Pharmaceuticals, chemist, consuming food, and movie purchases earn 10 reward points for every 100 rupees spent. For each Rs. 100 spend in all other categories, you get two RP.
Reward Redemption	Can be used on the SBI Website to purchase goods and redeem vouchers. Can be used to reduce the statement balance on the card. For redemption, 1 RP is equal to 0.25 rupees.	Can be used on the SBI Website to purchase goods and redeem vouchers. Can be used to reduce the statement balance on the card. For purposes of redemption, 4 RP = Re.
Fuel Surcharge Waiver	1 percent for transactions between 500 and 3000 rupees.The maximum monthly amount of the waiver is Rs. 100.	1 percent for transactions between 500 and 4000 rupees.A maximum of Rs. 250 can be waived per statement cycle.
Welcome Benefits	500 rupees worth of Amazon gift cards	Noise Complementary A Rs. 4,999 ColorFit Pulse Smart WatchFree FitPass Pro subscription Free Netmeds First subscription
Milestone Benefits	2,000 rupee ClearTrip gift card after spending Rs. 1 lakh.2,000 rupee ClearTrip gift card after spending 2 lakh rupees	In an anniversary year, customers who spend at least Rs. 4 lakhs will receive a Netmeds e-gift card worth Rs. 1,500.
Lounge Visits	NA	8 free domestic lounge visits per year, with a maximum of 2 per quarter.
Fuel Surcharge Waiver	1% on fuel purchases between 500 and 3,000 rupees.The maximum waiver is 100 rupees per month.	1% of fuel purchases between 500 and 4,000 rupees.Maximum waiver each statement cycle is Rs. 250.
Joining Fee	Rs. 499 + Taxes	Rs. 1,499 + Taxes
Renewal Fees	Spend-based reversal of Annual Fee on expenditures of Rs. 1 Lakh or more in the prior year) Rs. 499 + Taxes	1,499 Rupees plus taxes (Spend-based reversal of annual fee on expenditures of at least Rs. 2 Lakhs in the prior year.)
Eligibility	Issued to be used by salaried or independent contractors, if you’re a salaried person, you must have a minimum monthly income of Rs. 20,000 and be between the ages of 18 and 65. Age between 18 and 65 years old and a minimum monthly income of Rs. 20,000 as reported on an ITR are requirements for self-employed people.	Both salaried employees and independent contractors may be granted this credit card. The applicant’s age should fall between 18 and 65. The candidate ought to be supported financially. The candidate should have a respectable credit rating.

Conclusion

The SBI Card Pulse is a great option for customers who seek an economical credit card with a respectable reward rate and other perks, and is best suited for people who are health-conscious. The Axis Bank also offers the Axis Bank Aura Credit Card, which has excellent health benefits and a reasonably cheap annual cost. One of the best aspects of the card is the smartwatch that comes with the Pulse as a welcome bonus. Additionally, you receive gratis FitPass Pro and Netmeds First subscriptions that renew annually, making them lifetime free for you.

Additionally, if travelling is your pastime, this card can improve your travel enjoyment by giving you a complimentary Priority Pass and eight complimentary domestic lounge visits each year.

Every time you use your SBI Pulse credit card to make a purchase, you can also save 2.5% because it offers expedited reward points on certain categories as well as purchases for health-related expenses. Additionally, when discussing the characteristics of the card, it is impossible to overlook the insurance benefits, which are worth up to Rs. 50 lakhs. You may now be aware of all the card’s benefits, features, and fees & charges. You need to apply for the card right away if you believe this is the best option for you.

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