SBI Card PULSE
SBI Cards · Visa
Why this card?
- 2.5% back in reward points on health and pharmacy, dining and food delivery and entertainment; 0.5% on other spends
- ₹1,499 joining and annual fee; renewal fee waived on ₹2 lakh yearly spend
- 4 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- SBI Cards
- Network
- Visa
- Annual Fee
- ₹1,499
- Joining Fee
- ₹1,499
- Reward Type
- points
- Best Reward Rate
- 2.5% on health and pharmacy
- Forex Markup
- 3.5%
- Domestic Lounge
- 4/yr
- Min. Monthly Income
- ₹20,000
- Rates verified
- 2026-10-06
Our verdict
SBI Card PULSE is built around health and lifestyle spends — 10 reward points per ₹100 (about 2.5% value) on chemist, pharmacy, sports, dining and movie spends, plus 4 domestic lounge visits a year, at ₹1,499/year. It suits health-conscious urban spenders, and the fee is waived at ₹2 lakh annual spend.
Pros
- 10 reward points per ₹100 on chemist, pharmacy, sports, dining and movie spends — category-based, not tied to named partners
- 4 complimentary domestic lounge visits per year (max 1 per quarter)
- Fuel surcharge waiver included
Cons
- Benefits concentrated in a few categories — about 0.5% back on other spends
- 3.5% forex markup — not suitable for international use
- ₹1,499 annual fee with ₹2L waiver threshold — fee can be hard to justify for low spenders