SBI Card Pulse Credit Card Review 2026 | Card24.ai
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SBI Card Pulse Credit Card Review 2026

India's only health-first credit card with Noise ColorFit smartwatch worth ₹7,999, free FITPASS PRO and Netmeds memberships, domestic lounges, and 10X on pharmacy and dining at just ₹1,499/year.

3.6
/5
Card24 Score
Wellness
5
Welcome
5
Rewards
3
Last reviewed May 2026 · Card24.ai editorial team · Card24.ai editorial team
SBI Card Pulse
Annual Fee
₹1,499 + GST*
Wellness Benefits
FITPASS PRO + Netmeds First memberships*
Accelerated Earn
10 RP per ₹100*
Lounge Access
8 domestic visits/year*

Credit Card Verdict SBI Card Pulse

What we like

  • Noise ColorFit Pulse 4 Pro smartwatch worth ₹7,999 as the welcome gift - 5× the ₹1,499 joining fee. Best welcome-benefit-to-joining-fee ratio on any mainstream Indian credit card in 2026
  • Complimentary FITPASS PRO membership (12 gym/studio sessions/month + unlimited online fitness sessions) AND Netmeds First pharmacy membership - both auto-renew annually on annual fee payment. India's only credit card with bundled fitness + pharmacy memberships
  • 10 RP per ₹100 on 5 categories: pharmacy, chemist, dining, movies, and sports - effective earn of 2.5% at 4 RP = ₹1. Broadest accelerated category list for a health-and-lifestyle card
  • 8 domestic airport lounge visits per year (2/quarter) - no quarterly spend condition. Unconditional access is increasingly rare among mid-fee cards in 2026
  • Annual fee waiver at ₹2L annual spend (₹16,667/month) - the lowest fee waiver threshold among SBI's premium card range. Priority Pass membership complimentary for the first 2 years

Watch out for

  • 10X accelerated earn capped at 7,500 RP per billing cycle - fills at ₹15,000/month in accelerated categories. Above this, standard 2 RP/₹100 applies
  • Milestone benefit - ₹1,500 Netmeds e-voucher - requires ₹4L annual spend (₹33,333/month). High milestone threshold relative to the modest voucher value; most users will find better value focusing on the ₹2L fee waiver milestone
  • Base reward rate of 0.5% (2 RP/₹100; 4 RP = ₹1) outside the 5 accelerated categories is too low for general daily spending. ₹99 redemption fee per claim further reduces effective value
  • No international lounge access. Priority Pass membership is complimentary for the first 2 years, but the card's wellness-first positioning means limited international travel benefits overall

*10 RP per ₹100 on pharmacy, chemist (MCC 5912/8099), dining (MCC 5812), movies, and sports - capped at 7,500 accelerated RP per billing cycle. 2 RP per ₹100 on all other eligible spends. 4 RP = ₹1 at redemption. ₹99 + GST redemption fee per request. 8 domestic airport lounge visits/year (2/quarter, unconditional). Priority Pass complimentary for first 2 years. Noise ColorFit Pulse 4 Pro voucher delivered within 45 days of joining fee payment. FITPASS PRO and Netmeds First memberships renewed on annual fee payment. Annual fee waived on ₹2,00,000 annual spend. Excluded from RP earn: fuel, wallet loads, cash advances, balance transfers, government payments, rent. T&Cs apply.

Credit Card Achievers SBI Card Pulse

Is SBI Card Pulse Credit Card Worth It in 2026?

Yes - but specifically for health-conscious users who actively use the wellness benefits. SBI Card Pulse occupies a unique, largely uncontested niche: the only mainstream Indian credit card built around health and fitness spending. The Noise ColorFit Pulse 4 Pro smartwatch as a welcome gift (worth ₹7,999 on a ₹1,499 joining fee) represents the best welcome-benefit-to-fee ratio of any card in India in 2026, full stop.

The recurring annual value is where the card compounds: FITPASS PRO membership (access to 4,000+ gyms, 12 sessions/month) saves ₹8,000–₹12,000/year for regular gym users. Netmeds First adds pharmacy platform discounts on every medicine order. Combined with 10X on pharmacy, dining, movies, and sports spend, users who actively use these categories easily extract annual value far exceeding the ₹1,499 fee. The ₹2L annual fee waiver (₹16,667/month) is among the lowest thresholds on any SBI card - a forgone conclusion for regular users.

The limitation is clear: users who don't actively use fitness memberships or pharmacy rewards will find the 0.5% base rate and the ₹99 redemption fee underwhelming for a card at any fee. For dining and lifestyle rewards beyond what Pulse offers on dining (10X) and sports, BOBCARD Eterna - 5X on restaurants, travel, and shopping - is the natural companion for a well-rounded health-and-lifestyle portfolio.

SBI Card Pulse is India's best health and fitness credit card in 2026 - a ₹7,999 smartwatch, two annual wellness memberships, and 8 airport lounge visits on a ₹1,499 card creates a value stack that's impossible to match in its category.

SBI Card Pulse Credit Card Benefits

How to Get the Most Out of SBI Card Pulse Credit Card

Claim Noise Watch Voucher Within 45 Days of Joining Fee Payment - The Noise ColorFit Pulse 4 Pro smartwatch is delivered as an e-voucher within 45 days of joining fee payment. Follow the redemption link in the email/SMS from SBI Card promptly - vouchers have an expiry window. Visit the Noise website or app, add the watch to your cart, and apply the voucher code at checkout. Do not let this expire - at ₹7,999, it's the single highest-value action you can take in your first month.

Route All Pharmacy, Dining, Movies, and Sports Spends Here - The 10X earn on pharmacy, chemist, dining, movies, and sports (2.5% at 4 RP = ₹1) is capped at 7,500 RP/month - equivalent to ₹15,000 in combined accelerated spend. Use SBI Pulse as your default card for these five categories. At ₹10,000/month in pharmacy + dining + movies, you earn 1,000 RP (₹250 value) without hitting the cap - ₹3,000/year from these categories on a ₹1,499 card.

Activate FITPASS PRO and Start Booking Sessions - FITPASS PRO gives you 12 complimentary fitness sessions per month at 4,000+ gyms and studios across India. After card activation, download the FITPASS app, create an account using your registered email, and link your SBI Card Pulse. Book sessions in advance - 12 sessions/month at average market rates of ₹800/session = ₹9,600/month in gym access covered by your ₹1,499 annual fee card.

Hit ₹2L Spend for Annual Fee Waiver (Not ₹4L for Milestone) - The ₹2L annual fee waiver threshold (₹16,667/month) is the most important milestone on this card - far more valuable than the ₹4L Netmeds voucher (₹1,500). Achieve ₹2L first: pay your annual membership fee at ₹0 net. The ₹4L milestone adds ₹1,500 in value on an additional ₹2L in spend - a mediocre RP rate of 0.75%. Track spend in the SBI Card app monthly.

Pair With BOBCARD Eterna for Dining and Travel Beyond Pulse's Categories - Pulse earns 10X on dining and sports - but only 0.5% base on everything else, including online shopping, hotels, and non-listed dining. BOBCARD Eterna earns 5X on dining, travel, and shopping, and provides unlimited domestic lounge access on ₹40,000 quarterly spend. Use Pulse for pharmacy, sports, and fitness; use Eterna for restaurant dining, travel bookings, and shopping. Together, they cover the full health and lifestyle spectrum.

SBI Card Pulse Credit Card Annual Fees

Joining Fee ₹1,499 + GST
Annual Renewal Fee ₹1,499 + GST
Annual Fee Waiver Waived on spending ₹2,00,000 in the card anniversary year (₹16,667/month)
Finance Charge 3.5% per month (42% per annum)
Forex Markup 3.5% on international transactions
Cash Advance Fee 2.5% of withdrawal or ₹500, whichever is higher
RP Redemption Fee ₹99 + GST per redemption request
Fuel Surcharge Waiver 1% waiver on ₹500–₹4,000 fuel transactions. Max ₹250/cycle.
Fraud Liability Cover ₹1,00,000 cover on unauthorized transactions reported within 48 hours

SBI Card Pulse Credit Card Eligibility & Documents

Age 21–65 years
Minimum annual income No officially published minimum income threshold for SBI Card Pulse - assessed holistically by SBI Card based on income, CIBIL score, and existing banking relationship. Indicatively ₹3,00,000/year (₹25,000/month) for entry-level cards of this type.
Documents required PAN card · Aadhaar / Passport / Voter ID / Driving Licence (any one OVD) · Latest 3 months salary slips or Form 16
Residency Indian Resident

Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.

How to Apply for SBI Card Pulse Credit Card

The application process is entirely online and takes about 5-7 minutes.

1

Fill the Application - Enter personal details, income, and employment type on this page. Card24.ai forwards your application securely to SBI Card. Alternatively, visit sbicard.com, apply via YONO SBI app, or visit any SBI Bank branch.

2

OTP & KYC - Verify your mobile number linked to Aadhaar and complete SBI Card's digital verification. The process typically takes 2–3 minutes online.

3

Credit Assessment - SBI Card reviews CIBIL score and income. Most applicants receive a decision within 24–72 hours. Existing SBI Bank savings account holders have faster processing.

4

Card Dispatch - Physical SBI Card Pulse delivered in 7–10 working days. Activate via the SBI Card app, sbicard.com, or call 1860 180 1290.

5

Claim Three Welcome Benefits - In Order - a) Noise watch voucher: click the link in the SBI Card email/SMS within 45 days; redeem on the Noise website. (b) Activate FITPASS PRO: download the FITPASS app → link with your registered email → select your first gym or book an online session. (c) Activate Netmeds First: log into Netmeds app → apply SBI Card Pulse membership code → activate benefits.

*T&C Apply

Frequently Asked Questions

SBI Card Pulse is India's first dedicated health and fitness credit card. At ₹1,499/year (waived at ₹2L spend), it provides: Noise ColorFit Pulse 4 Pro smartwatch (₹7,999) as joining welcome gift, annual FITPASS PRO and Netmeds First memberships, 10X reward points on pharmacy, dining, movies, and sports, 8 unconditional domestic airport lounge visits/year, and Priority Pass membership for the first 2 years.
The SBI Card Pulse welcome gift as of June 2026 is the Noise ColorFit Pulse 4 Pro smartwatch, valued at ₹7,999. It is delivered as a redeemable e-voucher within 45 days of joining fee payment. At ₹7,999 on a ₹1,499 joining fee card, it represents the best welcome-benefit-to-joining-fee ratio of any mainstream Indian credit card - approximately 5× the joining fee. Redeem via the Noise website or app.
Two auto-renewing annual memberships: (1) FITPASS PRO: access to 4,000+ gyms and fitness studios across India; up to 12 complimentary sessions/month (book via FITPASS app); unlimited online fitness sessions. (2) Netmeds First: benefits on the Netmeds pharmacy platform - free delivery, healthcare discounts, pharmacy savings. Both memberships renew automatically on each subsequent annual fee payment - not one-time benefits.
10 RP per ₹100 on pharmacy/chemist (MCC 5912 and 8099), dining (MCC 5812), movies, and sports - effective 2.5% (4 RP = ₹1). Capped at 7,500 accelerated RP per billing cycle (fills at ₹15,000/month in these categories). 2 RP per ₹100 on all other eligible retail spends (0.5%). ₹99 redemption fee per claim. Zero RP on fuel, wallet loads, rent, government, EMI.
Yes - 8 complimentary domestic airport lounge visits per year (2/quarter), unconditional with no minimum spend requirement. Access by card swipe at participating lounges. Plus Priority Pass membership complimentary for the first 2 card anniversary years. Note: verify specific international lounge access terms under the Priority Pass benefit in the SBI Card Pulse MITC - primary lounge benefit is domestic.