SBI Pulse Credit Card Benefits, Limit & More 2026

The SBI Pulse Credit Card is a lifestyle and wellness-focused credit card designed for people who value health, fitness, and everyday rewards. With the SBI Card Pulse, you get complimentary health memberships, fitness-related benefits, and reward points on daily spends. The SBI Pulse credit card also offers accelerated rewards on dining, groceries, and online shopping, making it useful for regular expenses. Cardholders enjoy milestone benefits, welcome bonuses, and access to exclusive deals across partner platforms. The pulse credit card comes with contactless payments, worldwide acceptance, and easy bill payments through the SBI Card app. Issued by State Bank of India, this card is ideal for those looking to combine wellness perks with smart spending benefits in one simple, easy-to-use credit card.

SBI Pulse Credit Card Benefits 2026

The SBI Pulse Credit Card is a health-and-lifestyle focused card that gives real rewards on health, fitness, travel and everyday spends.

• Welcome gift: Get a Noise ColorFit Pulse smartwatch on joining (worth ~₹4,999–₹7,999).
• Earn 10 reward points per ₹100 on chemist, pharmacy, dining, sports & movie spends.
• Earn 2 reward points per ₹100 on all other spends.
• Complimentary 1-year FITPASS PRO & Netmeds First health memberships every year.
• Annual fee waiver when you spend ₹2,00,000 in a year.
• ₹1,500 e-voucher on annual spends of ₹4,00,000.
• Up to 8 domestic airport lounge visits per year.
• 1% fuel surcharge waiver on fuel transactions from ₹500–₹4,000.
• Fraud liability insurance benefit.

These are the top SBI Pulse card benefits users look for before applying.

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SBI Pulse Credit Card Charges 2026

The sbi pulse credit card (also known as sbi card pulse) comes with fixed charges for joining, renewal and other services. Users should know these costs to plan their spending and benefits use.

SBI Pulse Card Eligibility 2026

Before applying for the SBI Pulse credit card (also called SBI Card Pulse or simply SBI pulse), you should know the exact criteria banks check to approve your application, from age and income to credit history and residency. These help determine whether you qualify for this popular pulse credit card SBI.

• Age requirement: You must be between 21–60 years to apply for the SBI Pulse Credit Card.
• Residency: You must be an Indian resident with valid ID proof.
• Minimum income: A regular income is required; typically salaried or self-employed with a minimum annual income (commonly around ₹2 lakh or as per SBI’s internal policy).
• Employment type: Both salaried or self-employed applicants with steady earnings are eligible.
• Credit score: A good credit history/score (e.g., ~750+) improves approval chances.
• Documents: You’ll need identity proof (PAN, Aadhaar), address proof, and income proof (salary slips, bank statements, or ITR).

If you meet these key SBI Pulse credit card eligibility points, you stand a good chance of getting approved for this fitness-and-rewards focused credit card.

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SBI Pulse Credit Card Apply Online 2026

If you want to SBI Pulse credit card apply online, you can complete the entire SBI Pulse credit card application process on the official SBI Card website or via SBI’s digital banking platform without visiting a bank branch. This means faster processing and an easier way to apply now SBI Pulse from your phone or PC.

1. Visit the official SBI Card website: Go to the SBI Card credit card section and choose SBI Card PULSE.
2. Click “Apply Now”: Select the apply now SBI Pulse button on the card page to open the online form.
3. Fill personal & contact details: Enter accurate details such as name, mobile number, email, PAN, DOB, and address.
4. Provide professional & income details: Add your employment, income, and salary information (income proof may be asked later).
5. Submit KYC documentation: Upload or be prepared to provide PAN, Aadhaar, and income proof if requested.
6. Verify via OTP: You’ll receive an OTP on your mobile — enter it to verify and submit your SBI Pulse credit card application.
7. Instant decision & follow-up: Some applications get an instant eligibility check; SBI Card may call you for verification before approval.
8. Track status online: After applying, you can track your application using the track application page on sbicard.com with your reference or mobile details.

Alternate Online Options: Apply via YONO SBI app or SBI online banking credit card section, where you can also resume a saved application.

SBI Pulse Credit Card Review 2026

The SBI Pulse credit card (also called SBI Card Pulse or simply SBI Pulse) is a health and lifestyle-focused rewards card designed especially for people who spend on fitness, pharmacy, dining and entertainment. It stands out for tangible perks like a Noise ColorFit Pulse smartwatch welcome gift — worth more than the joining fee — and complimentary FITPASS PRO & Netmeds First memberships renewed every year. These benefits give real value to wellness-oriented users.

What Users Like:

• Welcome benefit: Smartwatch included with card purchase adds clear upfront value.
• Health-focused perks: Gym/fitness and pharmacy reward categories appeal to active lifestyles.
• Domestic lounge access: Useful travel benefit for frequent flyers.
• Milestone rewards: Fee waivers and e-vouchers for high annual spenders.

Where It’s Not as Strong:
• General reward rate is modest: Everyday spending earns lower value compared to some cashback cards.
• Best value only if you use wellness perks: If you don’t maximise health benefits or lounge access, the annual fee may outweigh gains.

The pulse credit card is a good choice for those prioritising fitness-related rewards and lifestyle benefits, but less compelling for users focused solely on high reward rates or broad-category rewards.

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How to Redeem SBI Pulse Reward Points?

Here’s a clear, fact-based guide on how to redeem SBI Pulse reward points.

1. Login to your SBI Card account: Visit sbicard.com or open the SBI Card mobile app and sign in with your username/password.
2. Go to the Rewards section: Once logged in, find “Rewards” or “Redeem Rewards” in the menu.
3. Browse the Rewards Catalogue: You’ll see lots of options like e-vouchers, products, lifestyle items and more, choose what you want.
4. Select and Redeem: Click Redeem Now for the item you want and confirm, points will be deducted from your balance.
5. Receive Your Reward: E-vouchers are usually delivered within ~5 calendar days; physical products take longer.
6. Use Points for Statement Credit: Some SBI credit cards (including SBI Pulse card) allow you to pay your credit card bill using points.

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Extra Notes:
• Points generally expire 24 months after they are earned, so redeem them before they lapse.
• A small redemption fee (e.g., ₹99) may apply on some cards when redeeming for items or statement credits.
• Points can’t be transferred to another card account; they’re only usable on the card where they were earned.

SBI Pulse Credit Card Lounge Access List 2026

The SBI Pulse credit card (also known as SBI Card Pulse or SBI Pulse card) offers travel perks that include complimentary access to selected domestic airport lounges in India. You get up to 8 free domestic lounge visits per year, with a maximum of 2 visits per quarter.

Though SBI Card PULSE doesn’t list specific lounges on its official page, many of the major domestic lounges where these visits are accepted under SBI’s airport lounge programme include:

• The Lounge – Ahmedabad Airport (T1)
• 080 Domestic Lounge – Bengaluru Airport (T1)
• Bird Lounge – Bhubaneswar Airport (T1)
• Travel Club Lounge – Chennai Airport (T1)
• Encalm Lounge – Hyderabad Airport (Domestic)
• Adani & Travel Club Lounges – Mumbai Airport (Domestic)
• Encalm Lounge – New Delhi Airport (Domestic T1 & T3)
• Elysian Lounge – Pune Airport (Domestic)

Important to know:
• Lounge access is domestic only with the SBI Pulse credit card; international lounge access isn’t included.
• Access is subject to your remaining complimentary visit balance (up to 8 per financial year).
• You may need to present your SBI Card Pulse at the lounge POS terminal for authorization.

Can I Get Annual Fee Waiver on SBI Pulse?

Yes — you can get your annual fee waived on the SBI Pulse Credit Card if you meet certain spending criteria, which is exactly what most users checking “sbi plus” or fee waiver details want to know before applying.

• The SBI Pulse credit card joining fee and annual fee are both ₹1,499 + GST charged in the first year and on renewal (second year onward).
• To waive the annual fee, you must spend ₹2,00,000 or more in the previous membership year using your SBI Pulse card. If this condition is met, the renewal fee for the next year will be reversed.
• This makes keeping the card effectively free of annual charges for active users who spend regularly.

What This Means for You

• If you meet the ₹2 L spend requirement, you don’t pay the renewal fee for that year, keeping your SBI Pulse card benefits intact without extra cost.
• Failing to reach the spend threshold means you will pay the annual fee again at renewal.

This is a practical way for many users to keep the card annual fee-free while enjoying its perks — including reward points, lounge access and more.

(Also remember: your SBI Pulse credit card interest rate and your sbi pulse credit card minimum limit don’t affect the fee waiver, only your total spend on the card does.)