SBI Pulse Credit Card: Wellness Meets Rewards In One Powerful Card
Credit cards today are no longer just about swiping for payments. They have transformed into lifestyle partners, offering benefits that go beyond shopping. The SBI Pulse Credit Card is one such option designed for individuals who value health, fitness, and premium lifestyle perks. It blends wellness privileges, reward points, insurance cover, and travel benefits, making it a card that serves multiple needs in one package.
Why the SBI Pulse Credit Card Deserves Attention
Most cards in India focus on cashback or discounts on shopping. The SBI Pulse Credit Card is different because it adds health and wellness into the mix. Along with standard rewards and lifestyle perks, it offers gym memberships, doctor consultations, and pharmacy vouchers. For working professionals who want convenience and care bundled in one card, this is a well-rounded choice.
Health and Fitness Benefits
One of the biggest highlights of the SBI Pulse Credit Card is its wellness advantage. Cardholders get a complimentary FITPASS Pro membership worth ₹30,000. This gives unlimited access to gyms, fitness studios, yoga centers, and Zumba classes across the country.
In addition, the card offers free tele-consultations with general physicians and nutritionists. For those who buy medicines regularly, Netmeds vouchers worth ₹1,500 provide valuable savings. On top of all these, the card comes with an in-built health insurance cover of ₹1.5 lakh, adding an extra layer of protection.
Reward Points Program
The SBI Pulse Credit Card ensures your daily expenses turn into meaningful rewards.
10 reward points per ₹100 spent on pharmacy, medical, and dining transactions
2 reward points per ₹100 spent on all other categories
These reward points can be redeemed for travel bookings, shopping vouchers, or online purchases. This makes the card particularly rewarding for those who often spend on healthcare and dining.
Travel Privileges for Frequent Flyers
Travelers can enjoy a touch of comfort with the Pulse Credit Card. It offers 8 complimentary domestic airport lounge visits per year, with a cap of two per quarter. For international travel, lounge access is available via Priority Pass membership, where charges apply after the free limit. These perks ensure that long airport waits become more comfortable and stress-free.
Strong Insurance and Security
Financial safety is a major part of this card. The SBI Pulse Credit Card provides:
Health insurance cover worth ₹1.5 lakh
Air accident insurance worth ₹50 lakh
Fraud liability cover against unauthorized transactions
These features protect cardholders from emergencies, travel risks, and fraud-related issues.
Everyday Lifestyle Benefits
Apart from health and travel, the card also takes care of daily spending.
Fuel surcharge waiver of 1% on transactions between ₹500 and ₹4,000
Annual fee waiver on yearly spending of ₹2 lakh
Easy EMI options on large purchases
These benefits make the card suitable for day-to-day use as well as big-ticket expenses
Charges
The SBI Pulse Credit Card is a premium product with the following fee structure:
Annual Fee: ₹1,499 + GST (waived on spending ₹2 lakh annually)
Renewal Fee: ₹1,499
Finance Charges: 3.5% per month
Cash Advance Fee: 2.5% (minimum ₹500)
Foreign Currency Markup: 3.5%
While the annual fee may feel high compared to entry-level cards, the combination of health, insurance, and lifestyle perks makes it worth the cost if used effectively.
Eligibility Criteria
To apply for the SBI Pulse Credit Card, you need to meet the following requirements:
Age: 21 to 65 years
Monthly Income: ₹50,000 or more
Credit Score: Preferably 750+
Nationality: Indian residents only
Documents Required
Applicants need to submit the following documents:
Identity Proof: Aadhaar, PAN, Passport, or Voter ID
Address Proof: Utility bills, Aadhaar, or Passport
Income Proof: Salary slips or ITR
How to Apply
Applying is simple and can be done in two ways:
Online: Visit the official SBI Card website, search for the Pulse Credit Card, click “Apply Now,” and complete the application by uploading documents. Once verified, the card is usually delivered within 7–10 working days.
Offline: Visit the nearest SBI branch and submit your application with the required documents in person.
Who Should Consider This Card?
The SBI Pulse Credit Card is an excellent choice for:
Health-conscious individuals – Free consultations, vouchers, and insurance cover
Fitness enthusiasts – Complimentary FITPASS Pro membership
Frequent travelers – Domestic lounge access and travel insurance
Urban professionals – High rewards on dining, pharmacy, and lifestyle spending
If your lifestyle balances fitness, health, and travel, this card offers maximum value.
Pros and Cons
Pros
Unique wellness and fitness benefits
Complimentary health insurance and accident cover
Free lounge access for travelers
High reward points on dining and medical spends
Annual fee waiver on milestone spending
Cons
Higher annual fee compared to entry-level cards
Best value only for those who use health and travel perks
A 3.5% foreign transaction fee may feel expensive for global travelers
Final Thoughts
The SBI Pulse Credit Card is more than a payment tool; it’s a lifestyle card designed to combine wellness, fitness, travel, and financial benefits. From free fitness memberships and health consultations to travel lounge access and insurance cover, it adds value in areas that matter most to modern professionals.