SBI Card PULSE
Joining Fee: ₹1,499 + GST
Renewal Fee: ₹1,499 + GST
Category: Reward Points
Welcome Benefits
Complimentary Noise ColorFit Pulse Smart Watch: Receive a smart watch worth ₹5,999 through a gift voucher sent within 45 days of paying the joining fee.
FitPass Pro Membership
Access to 4,000+ gyms and fitness studios.
Unlimited online fitness sessions (interactive and recorded).
Personal nutritionist and AI-led fitness coaching.
Netmeds First Membership
Unlimited online doctor consultations.
Annual basic health check-ups.
2.5% NMS Super Cash (up to ₹1,000) on prepaid orders.
Additional 5% discount on pathology lab tests.
Unlimited free deliveries.
Eligibility: Must pay the joining fee and make at least one retail transaction to avail of the complimentary memberships. Memberships renew annually with the renewal fee.
Milestone Benefits
Netmeds e-Gift Voucher: Receive a ₹1,500 voucher for spending over ₹4 lakh annually. The voucher is sent within 45 days via SMS or email.
Renewal Fee Waiver: Renewal fee is waived for spending ₹2 lakh or more in the card anniversary year.
Rewards Program
10 Reward Points per ₹100 spent on movies, dining, pharmacy, and chemist purchases.
2 Reward Points per ₹100 spent on other purchases.
Exclusions: No Reward Points on cash withdrawals, fuel purchases, balance transfers, wallet reloading, etc.
Rewards Redemption
Redemption Options:
Redeem Reward Points for gift vouchers via internet banking or the SBI mobile app.
Convert Reward Points into cash against the statement balance.
Value: 1 Reward Point = ₹0.25 (4 Reward Points = ₹1).
Travel Benefits
Airport Lounge Access: Enjoy 8 complimentary domestic airport lounge visits annually (up to 2 visits per quarter).
Priority Pass Membership: Complimentary for the first two years. Usage fees apply for lounge visits.
Insurance Coverage
Air Accident: ₹50 lakh
Zero Liability: ₹1 lakh
Lost Baggage: ₹72,000
Delayed Baggage: ₹7,500
Loss of Travel Documents: ₹12,500
Damaged Baggage: ₹5,000
Fuel Surcharge Waiver
1% Waiver: On fuel transactions up to ₹4,000.
Monthly Cap: Maximum waiver of ₹250 per statement cycle.
Zero Liability Protection
Fraudulent Transactions: No liability for unauthorized transactions if the card is reported lost or stolen promptly.
Summary
Ideal for health-conscious individuals, the SBI Pulse Credit Card offers great value with a low annual fee, a complimentary smartwatch, and annual FitPass Pro and Netmeds First memberships. It also provides eight domestic lounge visits and a Priority Pass for frequent travelers. Enjoy accelerated rewards on dining, movies, and health expenses, along with insurance benefits up to ₹50 lakhs. If these features align with your needs, consider applying for this card.