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SBI Card offers a range of banking products tailored to suit the customer’s needs. The latest addition to this list is the SBI Card PULSE. This credit card is designed specifically for fitness and health enthusiasts and therefore offers rewards that meet the needs of an active lifestyle. 


Keeping in tune with its fitness-oriented rewards programme, this card brings you an Noise ColorFit PULSE 2 Max smartwatch as a welcome gift. Apart from helping you track your fitness levels, the card offers complimentary NetMeds and FITPASS PRO memberships, accelerated rewards on health-related expenses, and a lot more. Other than that, the benefits suite also includes exclusive domestic lounge access privileges, Flexipay EMI options, comprehensive insurance covers, and fuel surcharge waivers. To know more about the SBI Card PULSE, keep reading.

Key Highlights of SBI Card PULSE

Wondering if you should apply for the SBI Card PULSE? Here’s a list of all the key highlights of the card you can review before making the call:

Best Suited For

Health and fitness enthusiasts

Card Type


Joining Fee

₹1,499 + GST

Renewal Fee

₹1,499 + GST (waived on annual spends of ₹2 Lakhs)

Welcome Gift

Free Noise ColorFit PULSE 2 Max smartwatch 

Health Benefit

  • Comprehensive insurance cover

  • One year free FITPRO and NetMeds membership

Milestone Benefit

E-gift vouchers worth ₹15,000 on annual retail spends of ₹4 Lakhs and more

Minimum Income Requirement

₹2 Lakhs per annum

SBI Card PULSE Features & Benefits

Now that you know the highlights of the card, here’s a detailed list of all the benefits you can enjoy with the SBI Card PULSE: 

Benefit Category

Type of Reward

Welcome Gift

  • Get a free Noise ColorFit PULSE 2 Max smartwatch worth ₹5,999

Health Benefits 

  • One year free NetMeds membership

  • One year free FITPASS PRO membership

Insurance Benefits

  • Fraud Liability Cover of ₹1 Lakh

  • Air Accident Cover of ₹50 Lakhs

  • Loss of Travel Documents cover of up to ₹12,500

  • Baggage Damage Cover of up to ₹5,000

Milestone Benefits

  • Renewal fee waiver on annual spends over ₹2 Lakhs 

  • E-gift vouchers worth ₹1,500 on yearly retail spends of ₹4 Lakhs

Lounge Access Benefits

  • 8 complimentary domestic airport lounge access visits (2 per quarter)

  • Complimentary Priority Pass membership (worth $99) for the first two years

Fuel Benefits

  • 1% fuel surcharge waiver on spends of spending ₹500-₹4,000 (maximum waiver of ₹250/billing cycle)

Add-on Card

Flexipay Advantage

  • Convert spends over ₹2,500 or more into easy EMIs

Contactless Benefit

  • Enjoy tap and pay advantage at secure readers to minimise chances of skimming and counterfeit fraud

Global Acceptance

  • PULSE credit card is accepted at over 24 million global outlets

SBI Card PULSE Documents & Eligibility

There are certain eligibility criteria that you must fulfil in order to apply for the SBI Card PULSE. Here are the details about the same. 



Minimum age

21 years

Maximum age 

60 years

Annual income

₹2 Lakhs annually

Minimum age for add-on cards

18 years

Before applying, you should check your SBI Bank PULSE Credit Card eligibility in order to avoid rejection. 


Below are the details of the required SBI Card PULSE documents.

  • Identity proof (Aadhaar Card, Voter ID Card, PAN Card, Passport)

  • Address proof (Aadhaar Card, Utility bills, Voter ID Card)

  • Income proof (Salary slip of recent months)

  • Bank records

  • Passport size photographs

SBI Card PULSE Rewards

The SBI Card PULSE isn’t just for fitness enthusiasts. It’s also one of the best shopping credit cards. Here’s a rewards rate guide to help you understand this better:

  • You earn 10 reward points for every ₹100 spent at the pharmacy, chemist, dining, or movies.

  • You earn 2 reward points for every ₹100 spent on all other purchases.

  • Reward point to cash conversion rate is set at ₹0.25. So, 4 reward points are equivalent to ₹1.

  • You can redeem your credit card reward points to pay outstanding balance dues or select exclusive gifts from the rewards catalogue.

The bottomline is that apart from accelerated rewards on fitness and health spends, you also earn rewards on every retail spend. 

SBI Card PULSE Payment Methods

There are several ways to conveniently pay your SBI Card PULSE bill online and offline. To help you make timely payments, we’ve listed a few of them below:

  • SBI Online - Log into your SBI net banking account and pay your dues in minutes.

  • NEFT - Add your SBI credit card account as a NEFT beneficiary and make payments at any time, from anywhere. 

  • YONO App - If you have an SBI account, you can pay your dues via the bank’s YONO App.

  • UPI - Alternatively, you can instantly clear your bills via UPI.

  • Select Debit Cards - If you have a Rupay debit card or one from any of the preferred banks, you can instantly clear dues with the card.

  • NACH Mandate - Creating a standing instruction ensures automated monthly deductions, keeping due date hassles at bay.

Aside from the processes discussed above, there are other options also. You may visit the SBI Card PULSE payment page and know more about the same.

1. SBI PULSE Card Balance Transfer

You can transfer the balance from any credit card to SBI Card PULSE at a low-interest rate. This facility is available for Visa and non-Visa cardholders. However, to use this feature, you are required to transfer a minimum amount of ₹5,000 and a maximum of up to 75% of your available credit limit on the PULSE Credit Card. 

2. SBI PULSE Card FlexiPay  

FlexiPay is an excellent offer on SBI Card PULSE that allows you to purchase products and pay for them back as EMI. You can choose a plan as per your requirements at a low-interest rate.

3. SBI PULSE Card Easy Money

The ‘Easy Money’ feature allows you to borrow a minimum of ₹5,000 and a maximum of 75% of your available cash limit. Apply today and get a cheque delivered to your door at any time by calling the SBI Card PULSE customer care. 

Read More

How to Apply for SBI Card PULSE?

You may apply for SBI Card PULSE through online and offline modes. 

1. Online Mode

The online application procedure to apply for the PULSE Credit Card is hassle-free and straightforward. Here are the steps to follow for the same. 

  • As a first step, you are required to access the SBI Card PULSE apply page at their official website.

  • After browsing the site, you will see the option of ‘SBI Card PULSE.’ Below that, you will view the option of ‘Apply Now.’ Click on that.

  • Next, you will be redirected to a new page where you will be asked to fill in your personal and professional details. Provide all the information accurately.

  • Following your submission, you are required to pay the joining fee.

  • Lastly, you will receive SBI Card PULSE in just a few days. 

2. Offline Mode

You may visit the branch and apply for the same by filling out an application form. Submit it with the supporting documents to get your PULSE Credit Card. 

How to Contact SBI Card PULSE Customer Care?

The bank has provided several platforms through which you may reach out to the SBI Card PULSE customer care. 

Toll-free numbers

1860 500 1290

1860 180 1290

1860 180 7777

City-wise number

39020202 (Add your local STD code before dialling)

Email Id










Postal address

SBI Cards and Payment Services Limited

Unit 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

You may also visit your nearest branch and ask for SBI Card PULSE customer care assistance.


What are the fees & charges for the SBI Card PULSE?

You can avail SBI Card PULSE by paying an annual fee of ₹1,499 and applicable taxes. You need to pay this amount each time the card is renewed. In addition, you will be charged 2.5% of ATM withdrawal fees. However, there are no add-on charges.

What is a SBI Card PULSE?

The SBI Card PULSE is a popular card designed for health and fitness enthusiasts.

What is the minimum limit of the SBI Card PULSE?

You can contact SBI PULSE customer care and enquire about the same.

Can I get an add-on card on SBI Card PULSE?

Yes. If you possess an SBI Card PULSE, you can apply for and get an add-on credit card for free.


What is SBI PULSE Card Balance Transfer Facility?

The balance transfer facility is a unique feature of SBI Card PULSE. It allows you to transfer the outstanding credit card balances of other credit cards over to your SBI Card PULSE. You can pay the balance through equated monthly instalments at low interest rates.


Can I withdraw money from SBI Card PULSE?

Yes. You can withdraw cash from any ATM domestically and internationally using the SBI Card PULSE. However, you will have to pay a cash advance fee of 2.5% of the amount withdrawn or ₹500, whichever is higher. 


Moreover, you will have to pay interest on the withdrawn amount as well.


Who issues the SBI Card PULSE?

SBI Card, the credit card arm of the State Bank of India, is the entity that issues the PULSE credit card.


Is there a limit on the contactless transaction amount?

Yes. The contactless payment option on your PULSE credit card can only be used for transactions of up to ₹5,000. For transactions above this amount, you will need to swipe the card.

How much money can be earned using the "Easy Money" facility?

With the Easy Money facility, you can borrow anywhere between a minimum of ₹5,000 and a maximum of 75% of your available cash limit.

How do I pay SBI Card PULSE bills?

You can pay your SBI Card PULSE bills via NEFT, UPI, Paynet, select debit cards, MasterCard MoneySend, and the VISA Credit Card Pay option. You can also clear your dues via SBI’s YONO App or set up a NACH mandate for auto-deductions.

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