SBI Card PULSE
SBI Card
Last verified: 3 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Pharmacy & Chemist (MCC 5912 Drug Stores and Pharmacies, 8099 Medical Services and Health Practitioners (Not Elsewhere Classified)) | 2.5% | ₹1,875/monthly |
Dining (MCC 5812 Eating Places and Restaurants, 5813 Drinking Places (Alcoholic Beverages) - Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques, 5814 Fast Food Restaurants) | 2.5% | ₹1,875/monthly |
Movies (MCC 7832 Motion Picture Theaters) | 2.5% | ₹1,875/monthly |
Sports Apparel & Equipment (MCC 5655 Sports and Riding Apparel Stores, 5941 Sporting Goods Stores) | 2.5% | ₹1,875/monthly |
Sports Events & Venues (MCC 7941 Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports Promoters) | 2.5% | ₹1,875/monthly |
Gyms, Fitness & Sports Clubs (MCC 7997 Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses) | 2.5% | ₹1,875/monthly |
| All other spends | 0.5% | No cap |
Redemption fee: 99
Managed via SBI Card Shop & Smile Rewards Programme
Transfer partners
Live Offers
63 activeBenefits
Lounge Access
1 domestic visits/quarter
0 international visits/quarter
Domestic: 4 complimentary visits per year, capped at 1 per quarter. International: a complimentary Priority Pass membership (worth US$99) is provided to the primary cardholder for the first two years, but it carries ZERO complimentary visits. Every Priority Pass visit, inside or outside India, and every guest, is charged at US$27 plus taxes, billed to the card 60 to 120 days after the visit at the exchange rate on the debit date.
Fuel Surcharge Waiver
1% fuel surcharge waiver on each transaction between Rs.500 and Rs.4,000, capped at Rs.250 per statement cycle per card account. Applies to transactions under MCCs 5172, 5541, 5542 and 5983.
Welcome Benefit
Product voucher. E-voucher for a Noise ColorFit Pulse 4 Pro smartwatch worth Rs.7,999, issued on payment of the joining fee. Despatched by email or SMS within 21 working days of eligibility calculation. The voucher code is locked to that specific watch and cannot be spent on anything else on the Noise website or app.
Annual Benefit
FITPASS PRO membership (12 months). Bundle of FITPASS (gym and fitness studio access, capped at 12 sessions a month, no more than 3 per week and 1 per day), FITCOACH (AI-led coaching in the FITPASS app) and FITFEAST (nutritionist diet plans). Reissued every year on payment of the renewal fee plus at least one retail transaction. The voucher must be activated within 90 calendar days of despatch.
Netmeds First membership (12 months). Netmeds First gives an extra 2% NMS Cash capped at Rs.100 on prepaid medicine orders of any value, free delivery on prepaid or COD orders of Rs.99 or more, and an extra 10% off pathology lab tests capped at Rs.100. Reissued every year on payment of the renewal fee plus at least one retail transaction.
Both memberships are genuine recurring benefits and survive Rule 4: they are reissued on every renewal, and they are not fee waivers, lounge access, movie BOGO or merchant discounts. annual_benefit_value is nevertheless 0 because neither partner publishes a standalone rupee price that could be verified. FITPASS does not list FITPASS PRO pricing publicly (the app quotes plan-specific prices at checkout) and Netmeds does not publish a First membership fee in the uploads or on the SBI Card page. No figure was assigned rather than invent one. The Rs.2 lakh fee reversal is recorded in annual_fee_waiver_type; the Rs.1,500 Netmeds voucher at Rs.4 lakh is a milestone; the Noise smartwatch is a one-time joining gift.
Insurance Cover
Credit card fraud liability cover₹1,00,000
Loss of checked-in baggage₹72,000
Delay of checked-in baggage₹7,500
Loss of travel documents₹12,500
Flight delay₹7,500
Milestone Benefits
Reward Calculator
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What this card is worth
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Fees & Charges
| Joining Fee | ₹1,499/yr |
| Renewal Fee | ₹1,499/yr |
| Fee Waiver | Spend ₹2,00,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount, subject to a minimum of Rs.500, at both domestic and international ATMs. Finance charges of up to 3.75% per month apply from the withdrawal date with no interest-free period. |
| Reward Redemption Fee | 99 |
| Min Income Eligibility | Not published by SBI Card. Aggregators cite roughly Rs.2 lakh per annum as an indicative minimum, with age 21-60 or 21-70 depending on the source. Treat as indicative only. |
