SBI Pulse Credit Card

State Bank of India has always amazed its customers with a variety of credit cards. Recently, the SBI Card has introduced a new credit card for fitness freaks. The name of the card is SBI Pulse Credit Card. This card provides you with welcome benefits along with a Fitpass Pro membership for one year. There are a lot more benefits of this card like reward points, free airport lounge access, insurance cover, and many others. So, you must explore all the features and benefits of this credit card and make the best use of it. You must also check the fees and other charges of the card before applying. There are also multiple payment options available to clear the bill of the Pulse credit card.

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    Features and Benefits of SBI Card Pulse

    There are a lot of outstanding features and benefits of this credit card that save some bucks on fitness expenses. You must see how you can use them to save some money.

    Get Welcome Benefits

    • Get a Noise ColorFit Pulse SmartWatch as a welcome gift.
    • The worth of this watch is INR 4999.
    • You will get the smartwatch only after the payment of the joining fee.

    Enjoy Health Benefits

    • Get a free Fitpass Pro Membership for one year on the payment of the joining fee and at least one retail transaction.
    • Enjoy a free Netmeds First Membership for one year on paying the joining fee and doing at least one retail transaction.
    • Both the membership will get renewed every year on paying the renewal fee of the SBI Pulse Credit Card.

    Earn Reward Points

    • Earn 10 reward points on spending INR 100 on Pharmacy, Chemist, Movies, and Dining.
    • Enjoy 2 reward points on spending INR 100 on all the other categories.
    • You can redeem reward points against many options available in the Reward Catalogue.
    • The value of 4 reward points is equal to 1 rupee.

    Enjoy Milestone Benefits

    • You can waive off your renewal fee by spending INR 2 lacs in a year from this credit card.
    • Spend INR 4 Lacs in a year and earn an e-voucher of INR 1500.

    Get an Insurance Cover

    • Get a Fraud liability cover of INR 1 Lac on the Pulse Credit Card.
    • There is an Air Accident cover of INR 50 lacs on this SBI Credit Card.
    • You will get a loss of check-in baggage cover worth USD 1000.
    • There is a loss of travel documents cover and baggage damage cover of INR 12500 and INR 5000 respectively.
    • Get a cover of INR 7500 in case of delay in check-in baggage.

    Have Free Access to the Airport Lounges

    • Enjoy 8 complimentary access to the airport lounges in a year through this card.
    • The maximum visit is capped up to 2 visits per quarter.

    Enjoy Fuel Surcharge Waiver

    • Get a fuel surcharge waiver of 1% on this credit card.
    • You can have a maximum waiver of INR 250 in a month
    • The waiver is allowed only on transactions between INR 500 to INR 4000.

    Make use of FlexiPay Facility

    • You can convert the transactions into easy monthly instalments on this credit card.
    • A minimum transaction of INR 2500 is needed to enjoy SBI card Pulse EMI transactions.
    • You can convert a transaction into EMI only within 30 days of the transaction and it is one of the best credit cards in India for making EMI Transactions.

    Use Pulse Credit Card Worldwide

    • You can use this credit card at over 24 million outlets worldwide.
    • There are 3.25 lacs outlets in India where you can use this card.
    • This credit card can also be used to make contactless payments.

    Fees and Charges of the SBI Pulse Credit Card

    You can see the annual fee and joining fee of the Pulse Credit Card in the table given below. The table also includes other charges that are related to the SBI Credit Card.

    ParticularsCharges
    Annual or Joining FeeINR 1499 + Taxes
    Renewal FeeINR 1499 + Taxes
    Add On Card FeeNIL
    Waiving Off CriteriaSpend INR 2 Lacs or above in a year
    Interest-Free Period20 Days to 50 Days
    Rewards Redemption FeeINR 99
    Card Replacement FeeINR 100 to INR 250
    Cheque Payment FeeINR 100
    Foreign Mark Up Fee3.5%
    ATM Withdrawal Charges2.5% with a minimum of INR 500

    Late Payment Charges

    Outstanding AmountLate Payment Charges
    Between INR 0 to INR 500NIL
    Between INR 501 to INR 1000INR 400
    Between INR 1001 to INR 10000INR 750
    Between INR 10001 to INR 25000INR 950
    Between INR 25001 to INR 50000INR 1100
    Above INR 50000INR 1300

    Payment options for SBI Card Pulse

    You can pay the bill of your Pulse Credit Card through the following ways:-

    • Clear your bills through NEFT
    • Use Paynet for clearing bills
    • Make SBI Credit Card Online Payment through NACH
    • Use other debit cards to pay the bill
    • Use the SBI YONO app for credit card bill payment
    • Pay bills through UPI
    • Use Payment Gateways like Paytm, Gpay, etc to pay credit card bills.

    Frequently Asked Questions

    1. Is this card beneficial for fitness freaks?

    Yes, the SBI Pulse credit card is made for fitness freaks in which the user will get a complimentary Noise ColorFit Pulse Smartwatch after the payment of the joining fee. You can track your fitness activities through this smartwatch.

    2. What are the health benefits of the SBI Pulse Card?

    You can enjoy a complimentary Fitness Pro Membership for one year after paying the joining fee and doing one retail transaction. On the other hand, you can enjoy free Netmeds membership after doing the same. Netmeds offers a lot of healthy items that you can buy at a cheaper price when you have the Netmeds First Membership.

    3. What are the traveling benefits of the SBI Pulse Credit Card?

    The traveling benefit of the SBI Pulse credit card is that you can enjoy 8 complimentary access to the airport lounges with a maximum of 2 visits per quarter.

    4. Can I convert SBI Card Pulse transactions into EMIs?

    Yes, the EMI options are also available on this credit card. If you have a transaction of INR 2500 or above then you can easily convert it to Flexipay on the Pulse Credit Card.

    5. What is the Joining and Renewal Fee of the Pulse credit card?

    The joining fee of this credit card is 1499+Taxes and the renewal of the Pulse credit card is also the same that is 1499+Taxes. You can waive off the renewal fee of this credit card by spending INR 2 Lacs or above in a year.

    6. What are the eligibility criteria to apply for the Pulse Credit Card?

    The eligibility criteria of the SBI Pulse Credit Card are:-
    – Minimum age of 21 years.
    – Maximum age of not more than 60 years.
    – Cibil Score of 750 and above.
    – You must have a stable income.
    – The applicant must be an Indian Citizen.

    7. What are the documents required for the SBI Card Pulse?

    You will have to submit one identity proof, one address proof, and one income proof to the bank to apply for the SBI Card Pulse. You can submit the Aadhar Card, PAN card, and Salary slip to get the SBI Pulse card.

    8. What is the credit limit of the SBI Pulse Card?

    The credit limit of the SBI Pulse Card depends on your income and Cibil Score. If you have a high monthly income then you can enjoy a high credit limit on this credit card.

    9. How can I pay SBI Pulse Credit Card Bills?

    You have the following options to make the payment of the SBI Pulse Card:-
    – NEFT
    – Paynet
    – NACH
    – Other debit cards
    – SBI YONO app
    – UPI
    – Payment Gateways like Paytm, Gpay, etc

    10. What are the SBI Pulse Card Late Payment Charges?

    The late payment charges of the SBI Card Pulse are from INR 400 to INR 1300 for the outstanding amount of above INR 500.

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