SBI Pulse Credit Card Review

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SBI credit card is now there in almost all categories – Lifestyle, Shopping, Travel, Fuel and now Health. SBI Card has launched the Pulse credit card for the Health segment. It offers good rewards and benefits on health spends and requirements. Here is a review of the SBI Pulse credit card and its rewards & benefits.

Fees and Charges

It is good to see a different kind of welcome benefit on a credit card. The smartwatch is also a good fit for a health-focused credit card.

Though the MRP of the Noise ColorFit Pulse Smartwatch is Rs 4999, it is often available at Rs 1999 or Rs 2499 on Amazon India. So, we get a welcome benefit that is almost the same as the fees we pay.

Joining/Renewal Fee Rs 1499 plus taxes
Welcome Benefit Noise ColorFit Pulse Smart Watch worth Rs 4999
Renewal Fee Waiver Spend Rs 2 Lakhs in a membership year
SBI Pulse Credit Card Review – Fees and Charges


Like other SBI Cards, Pulse offers accelerated rewards for some categories and very low rewards on other spends. Unfortunately, this makes the card unusable for other category spending.

Chemist, Pharmacy, Dining and Movies 10 RP/Rs 100 2.5%
Other Spends 2 RP/Rs 100 0.5%

Milestone Rewards

  • Rs 1500 NETMEDS on Rs 4 Lakhs spend in a membership year – 0.38% Return

Recurring Health Benefits

This is a good feature of this card. We get below memberships on joining and every year on renewal.

FITPASS PRO is a gym membership that offers 12 complimentary visits to any FITPASS gym in India. More details here.

  • Complimentary 1-year FITPASS PRO membership
  • Complimentary 1-year NETMEDS First membership (Current value is Rs 499)

Rewards Redemption

SBI Pulse has multiple options for redemption. We can get e-vouchers or products from the catalog over here. The best option however is to get a statement credit by calling the SBI credit card team. For statement credit, we get a value of 25 paise per reward point.

Complimentary Airport Lounge Access

SBI Pulse gets 1 complimentary domestic airport lounge access per quarter. The access is through VISA.

There is no international airport lounge access on SBI Pulse.

My View

SBI Pulse is a decent credit card for the health-focused segment. But, I am sure many of us would not be able to use the accelerated rewards on chemists and pharmacy. This is good news for us as that means we are healthy. But then, where to use this card? We have far more ways to save on Dining and Movies than using this card!

It is strange to see SBI Card introducing so many cards but not one that offers best-in-class rewards and benefits. SBI Pulse joins that league for now.

I am passionate blogger and youtuber since 2018 and self study Programmer.

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