SBI PULSE Credit Card
MyRupaya Ratings
Product Details
Credit Card Name :
SBI PULSE Credit Card
Bank Name :
State Bank Of India
Type :
Health and Wellness Credit Card
Interest Rate :
Up to 3.50% per month (42% per annum) from the transaction date.
Eligibility :
The applicant should have a regular source of income with a minimum annual income of Rs. 2 Lakh.
The applicant should be between 21 and 60 years of age.
The applicant should be a resident of India
Pros
Enjoy 10 Reward Points per Rs.100 spent on Chemist, Pharmacy, Dining and Movies
Earn 2 Reward Point per Rs.100 spent on all your other spends.
Use your Reward Points to pay the outstanding balance on your credit card or redeem against a wide array of gifts.
Get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 on payment of joining fee.
Enjoy 1 year FITPASS PRO and Netmeds First complimentary memberships subject to payment of Joining Fee and min. one retail transaction in the first year
Both memberships (FITPASS PRO and Netmeds First) to be received every year, on card renewal
SBI Card PULSE Cardholder are eligible for 8 Domestic Lounge access in a year capped to 2 access per quarter.
Priority Pass Membership fees is complimentary for first two cardholder membership years.
Get Rs.1500 voucher on achieving retail spends of Rs. 4 lakh in a year.
Get complimentary Air Accident Liability Cover of Rs. 50 Lakhs
Get complimentary credit card Fraud Liability Cover of Rs.1 lakh
1% Fuel Surcharge waiver
Contactless Advantage.
Worldwide Acceptance.
Balance Transfer on EMI.
Cons
The regular reward rate is lower than a lot of other cards in its segment.
Only domestic lounge access is provided. You get a Priority Pass, but you need to pay for each visit at international lounges.
FitPass Pro membership only gets you 12 slots a month, 3 per week, and 1 per day.
The standard membership of the Priority Pass Program is provided only to the primary cardholder of SBI Card PULSE
Pros & Cons
Welcome Benefits
Get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 on payment of joining fee.
Rewards System
Enjoy 10 Reward Points per Rs.100 spent on Chemist, Pharmacy, Dining and Movies
Earn 2 Reward Points per Rs.100 spent on all your other spends
4 Reward Points = Rs.1
Use your Reward Points to pay the outstanding balance on your credit card or redeem against a wide array of gifts
Effective Cashback Rate: 0.5%
International Forex Markup
Upto- 3.5% per transaction
Welcome Benefits and Reward System
Special Features
Enjoy 1 year FITPASS PRO and Netmeds First complimentary memberships subject to payment of Joining Fee and min. one retail transaction in the first year
Eligibility Criteria
The applicant should have a regular source of income with a minimum annual income of Rs. 2 Lakh.
The applicant should be between 21 and 60 years of age.
The applicant should be a resident of India
Benefits
- Earn up to 5X reward points on dining, grocery, departmental and online spends.
- Redeem your reward points for a wide range of products and services from the SBI Card Rewards Catalogue.
- Get 1% fuel surcharge waiver across all petrol pumps in India, up to Rs. 100 per month.
- Enjoy complimentary lounge access at select domestic airports, up to 4 times per year.
- Get a welcome gift voucher worth Rs. 500 from Amazon.in on joining.
- Avail discounts and offers from partner merchants across categories like travel, dining, entertainment and more.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
To apply for the SBI Pulse Credit Card, please follow these steps:
Visit the official website of SBI Card.
Click on the Credit Cards tab.
Select the SBI Pulse Credit Card option.
Click on the Apply Now button.
Fill in the required details, including personal and income information, and upload the necessary documents such as PAN card, Aadhaar card, and income proof.
Once you have submitted your application, it will be reviewed by SBI Card. If your application is approved, you will receive your SBI Pulse Credit Card within a few days
Contact Details
1800 1234
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Enjoy 10 Reward Points per Rs.100 spent on Chemist, Pharmacy, Dining and Movies
Earn 2 Reward Point per Rs.100 spent on all your other spends.
Use your Reward Points to pay the outstanding balance on your credit card or redeem against a wide array of gifts.
Get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 on payment of joining fee.
Enjoy 1 year FITPASS PRO and Netmeds First complimentary memberships subject to payment of Joining Fee and min. one retail transaction in the first year
Both memberships (FITPASS PRO and Netmeds First) to be received every year, on card renewal
SBI Card PULSE Cardholder are eligible for 8 Domestic Lounge access in a year capped to 2 access per quarter.
Priority Pass Membership fees is complimentary for first two cardholder membership years.
Get Rs.1500 voucher on achieving retail spends of Rs. 4 lakh in a year.
Get complimentary Air Accident Liability Cover of Rs. 50 Lakhs
Get complimentary credit card Fraud Liability Cover of Rs.1 lakh
1% Fuel Surcharge waiver
Contactless Advantage.
Worldwide Acceptance.
Balance Transfer on EMI.
The regular reward rate is lower than a lot of other cards in its segment.
Only domestic lounge access is provided. You get a Priority Pass, but you need to pay for each visit at international lounges.
FitPass Pro membership only gets you 12 slots a month, 3 per week, and 1 per day.
The standard membership of the Priority Pass Program is provided only to the primary cardholder of SBI Card PULSE
MakeMyTrip ICICI Bank Credit Card
MakeMyTrip ICICI Bank Credit Card is a decent travel credit card. It gives your low forex charges, lounge benefits, and free membership to MMTBlack. It completely justified its fees.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Annual Fee (one time): Rs. 1,499 + Taxes
Renewal Fee (per annum): Rs. 1,499 + Taxes from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 2,00,000.
Add-on Fee (per annum): Nil.
Cash Advance fees: 2.5% or Rs. 500 whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs
Finance charges: Up to 3.50% per month (42% per annum) from the transaction date.
Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date. NIL for Outstanding Amount on payment date from Rs.0-Rs.500, Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000 up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000; Rs. 1300 for Outstanding Amount greater than Rs. 50,000.
Reward Redemption Fees: Rs. 99/- per redemption.
Fuel Surcharge
1% Fuel Surcharge waiver for each transaction between Rs.500 and Rs.4,000. Maximum Surcharge waiver of Rs.250 per statement cycle, per credit card account.
Billing Cycle
30 Days