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Last updated: 01-06-2026
SBI Card Pulse
SBI Card

SBI Card Pulse

"SBI's wellness-focused lifestyle card โ€” health and wellness discounts, dining rewards and movie benefits at an accessible fee"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น1,499 + GST
๐Ÿ”„ Renewal Fee
โ‚น1,499 + GST
Waived: Annual fee waived on spending โ‚น2 lakh or more in the preceding membership year
๐ŸŽฏ Best Suited For
Health-conscious individuals who spend on gym, yoga, wellness, nutrition, outdoor activities and want rewards for healthy lifestyle choices along with dining and movie benefits
๐ŸŽ Reward Type
Reward Points (4 RPs = โ‚น1; effective 2.5% on wellness, 0.5% on others)
๐ŸŽ‰ Welcome Benefit
โ‚น1,500 voucher from partner wellness brands on card activation โ€” check current offer on SBI Card website
๐Ÿ’ฐ Reward Rate
10 RPs per โ‚น100 on wellness spends (gyms, yoga studios, sports equipment, outdoor activity gear, nutrition โ€” MCC-based); 2 RPs per โ‚น100 on all other eligible spends; excludes fuel, utilities, cash, EMI, wallet, government, insurance
โœˆ๏ธ Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter)
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โœ… Pros
  • 10X rewards on wellness spends โ€” unique wellness-focused card
  • Low forex markup 1.99%
  • 4 domestic lounge visits per year
  • Buy 1 Get 1 movies
  • Dining discounts
  • โ‚น1,500 wellness welcome voucher
  • Achievable โ‚น2L fee waiver
โŒ Cons
  • 10X only on wellness MCC codes โ€” limited merchant coverage
  • Base reward rate 0.5% on non-wellness spends
  • Redemption fee โ‚น99
  • Niche card โ€” not suitable as primary card for all-purpose spending

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (4 RPs = โ‚น1; effective 2.5% on wellness, 0.5% on others)
Welcome Benefits
โ‚น1,500 voucher from partner wellness brands on card activation โ€” check current offer on SBI Card website
Reward Rate
10 RPs per โ‚น100 on wellness spends (gyms, yoga studios, sports equipment, outdoor activity gear, nutrition โ€” MCC-based); 2 RPs per โ‚น100 on all other eligible spends; excludes fuel, utilities, cash, EMI, wallet, government, insurance
Reward Redemption
SBI Card website or app: wellness brand vouchers, merchandise, statement credit, flights and hotels; 1 RP = โ‚น0.25; redemption fee โ‚น99 + GST; Flexipay EMI
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น500 to โ‚น4,000; maximum โ‚น250 per statement cycle
Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter)
Spend Based Fee Waiver
Annual fee waived on โ‚น2 lakh annual spend
Milestone Benefits
Annual fee waiver on โ‚น2L spend; wellness brand vouchers on spend milestones
Other Benefits
Discounts at leading gyms, yoga studios, wellness centres and sports stores; Buy 1 Get 1 movie tickets via BookMyShow; dining discounts; low forex markup 1.99%; contactless payments; Flexipay EMI; 4 domestic lounge visits per year

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Personal accident cover; zero liability on timely reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
10X on wellness spends; BOGO movies; dining discounts; 1.99% forex markup; 4 domestic lounge visits

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น1,499 + GST
Annual Fee / Renewal Fee
โ‚น1,499 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น2 lakh or more in the preceding membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น500
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
10X only on wellness MCC codes โ€” may not capture all wellness merchants; redemption fee โ‚น99 + GST; niche card โ€” only valuable if you spend significantly on wellness categories

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 70 years; salaried or self-employed; minimum monthly income โ‚น25,000; Indian resident
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Based on income and SBI Card assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Flexipay on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per SBI Card prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via SBI Card app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 180 1290 (24x7)
Chat / Email Support
Chat via SBI Card app; email: customercare@sbicard.com
Mobile App
SBI Card app: track spends, pay bills, Flexipay, milestone tracking
Online Banking
SBI Card website

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:32 PM
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