SBI Card Pulse
Last Updated : June 26, 2025, 3:54 p.m.
In today's health-conscious world, finding financial tools that support an active lifestyle is invaluable. The SBI Card Pulse, launched by SBI Card, is a specialized credit card targeting individuals who prioritize health and wellness. With an annual fee of Rs. 1,499 + taxes, it offers a blend of fitness-focused perks and traditional credit card benefits. Whether you're a gym-goer or someone who values health services, this card aims to enhance your lifestyle while providing financial flexibility. Read on to find out about the features, benefits, application process, and financial implications of the card.
Key Features and Benefits of SBI Pulse Credit Card
The SBI Pulse Card stands out with its array of features tailored for health-conscious users. Below is a detailed breakdown:
| Feature/Benefit | Details |
|---|---|
Welcome Gift |
|
Health Benefits |
|
Reward Points |
|
Milestone Benefits |
|
Insurance Covers |
|
Lounge Access |
|
Fuel Surcharge Waiver |
|
Contactless Payments |
|
Worldwide Acceptance |
|
These benefits make the SBI Pulse Card a compelling choice for those seeking a card that aligns with their fitness goals.
Eligibility Criteria
- Age: 21–60 years.
- Income: Stable source, typically requiring a minimum monthly income (exact amount varies).
- CIBIL Score: Preferably higher than 750 for a higher probability of approval.
Documents Required
Documents required are as follows:
Address proof:
- Income tax returns
- Aadhaar card
- Electricity bill, which is just recent (3 months old)
Valid identity proof:
- PAN card
- Passport
Valid income proof:
- Salary slips (Not more than 3 months old)
- Bank passbook records, etc.
- Passport size photographs.
Fees and Charges of SBI Pulse Card
| Fee type | Amount |
|---|---|
Annual fee | Rs. 1,499 plus taxes |
Renewal fee | Rs. 1,499 plus taxes |
Annual fee reversal | Annual fee reversal on spends of Rs. 2 Lakhs or more in the previous year |
Cash advance fees | 2.5% or Rs. 500 whatever is greater (At domestic or international ATMs) |
Cash payment fee | 250 plus applicable taxes |
Overlimit fee | 2.5% of the overlimit amount or Rs. 600, whichever is lower. |
Finance charges | 3.75% per month [45% per annum] |
Foreign currency transaction | 3.50% |
Rewards redemption fee | Rs. 99 |
Late payment fee |
|
Cheque payment fee | Rs. 100 |
Impact of SBI Pulse Card on Your CIBIL Score
Your CIBIL score, a three-digit number reflecting creditworthiness, is critical for securing loans or credit cards. Using the card can influence your score in several ways:
- Payment History (35% of Score): Timely payment of your SBI Pulse credit card bills is crucial. A 30-day delinquency can lower your score by up to 100 points.
- Credit Utilization (30% of Score): Keep your balance under 30% of your credit limit. High utilization can lower your score.
- Credit Mix (10% of Score): Combining secured (e.g., home loans) and unsecured credit (e.g., credit cards) can positively impact your score.
- Length of Credit History (15% of Score): Maintaining the card over time bolsters your credit profile.
- New Credit Inquiries (10% of Score): Applying for multiple cards simultaneously can trigger hard inquiries, slightly lowering your score.
What is the Benefit of Credit Card Payment Methods for SBI Card Pulse?
SBI Card offers a variety of credit card payment options to ensure timely bill settlements, which is vital for maintaining a good CIBIL score . Below is a comprehensive list:
| Payment Method | Description | Processing Time |
|---|---|---|
NEFT | Transfer funds from any bank account using IFSC SBIN00CARDS. | Instant |
Paynet-Pay Online | Pay via net banking of over 50 banks (BillDesk). | Instant |
Visa Credit Card Pay | For SBI Visa cardholders, pay via net banking. | Instant |
Standing Instruction (NACH) | Auto-debit from your bank account on the due date. | On due date |
Debit Card | Use SBI or RuPay debit cards (BillDesk). | Instant |
Mobile App | Pay through the SBI Card app (Google Play). | Instant |
UPI | Pay via any UPI app or QR code. | Instant |
YONO | Use the YONO by SBI app or portal. | Instant |
BBPS | Pay via Bharat Bill Payment System. | Real-time |
Over the Counter | Pay at any SBI branch. | 2 working days |
Cheque - Manual Drop Box | Drop a cheque at designated boxes. | 4 working days |
SBI ATM | Pay using an SBI debit card at SBI ATMs. | 2 working days |
These options provide flexibility, with online methods offering instant processing to help avoid late payment penalties for SBI credit card payments .
Comparison with Other Credit Cards
The SBI Card Pulse is in competition with other health-focused credit cards in India, such as the Yes Bank Wellness Plus Credit Card. Here’s how it stands out:
- Unique Welcome Gift: The Noise ColorFit Pulse 4 Pro Smart Watch is a distinctive perk not commonly offered by competitors.
- Fitness Memberships: FITPASS PRO and Netmeds First memberships provide substantial value, unlike many cards that offer generic discounts.
- Reward Structure: Accelerated rewards on pharmacy and sports spends cater specifically to fitness enthusiasts, offering better value than general cashback cards.
- Lounge Access: Eight domestic lounge visits and a Priority Pass membership add travel perks not always found in competing cards.
While cards like the Yes Bank Wellness Plus offer benefits like doctor consultations, the SBI Card Pulse’s fitness-focused package is more comprehensive for its target audience.
Conclusion
The SBI Card Pulse is a great option for fitness enthusiasts seeking a credit card that supports their lifestyle. With benefits like a smartwatch, gym memberships, and accelerated rewards on health spends, it offers significant value for its Rs. 1,499 annual fee. By using the card responsibly—paying bills on time and keeping utilization low—you can also maintain or improve your CIBIL score, enhancing your financial health.
For those looking to combine fitness and finance, the SBI Card Pulse is a top contender among SBI credit cards. Apply today via the SBI Card website and start enjoying its unique perks.
Frequently Asked Questions (FAQs)
