SBI Card PULSE
SBI Card · Open to apply
A health and fitness rewards card: 2 points per ₹100 everywhere except fuel, 10 per ₹100 at chemists and pharmacies, dining, movies and sports stores up to 7,500 points a month, a Noise smartwatch for the joining fee, and FITPASS PRO and Netmeds First memberships.
- Annual fee
- ₹1,499 + GST a year
- Joining fee
- ₹1,499 + GST
- Fee waiver
- Annual fee waived on ₹2,00,000 spend per card year
- Base rate
- 2 points per ₹100 on all other retail spends: 2 SBI Card Reward Points per ₹100 (about 0.5% at cash value)
- Lounges
- Domestic: 4 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10 points per ₹100 at chemists and pharmacies, dining and movies: 10 SBI Card Reward Points per ₹100 (about 2.5% at cash value)
Earns nothing on
- No points at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
- No points on wallet loads (MCCs 6540, 6541)
- No points on cash advances and ATM withdrawals
- No points on EMI conversions (Flexipay, Merchant EMI)
- No points on rent (MCC 6513)
- No points on government-related transactions (MCCs 9399, 9311)
- No points on digital gaming platforms (MCCs 5816, 7993, 7994)
Where the sources disagree
- Sports as an accelerated category: The PULSE T&C (Oct 2026) and the product page give 10 points per ₹100 on sports as well; the Shop & Smile T&C table (Sep 2026) lists only chemist, pharmacy, dining and movies for SBI Card Pulse. Sports is not modelled either way.
Terms the calculator does not value
- Sports earn 10 points per ₹100 (MCCs 5655 sports apparel, 5941 sporting goods, 7941 sports clubs and promoters, 7997 membership and country clubs, golf), within the 7,500-point cap; no calculator category isolates them.
- FITPASS PRO and Netmeds First memberships are given again each year on payment of the renewal fee and one transaction; the issuer states no value.
Sources
- SBI Card PULSE product-page data file (fees, rates, welcome, milestone, lounges, insurance) (Product page, the bank's own, read 6 Nov 2026)
- SBI Card PULSE Terms and Conditions booklet (PDF created 12 Oct 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Key Fact Statement (file dated 26 Aug 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- SBI Card Shop & Smile rewards programme T&C (accrual caps by card, exclusions, redemption; PDF modified 23 Sep 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card customer notices page (15 Jul 2025 air accident notice; 29 Mar 2026 redemption notices) (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on rent payments from 1 Apr 2024 (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on government-related transactions from 1 Jun 2024 (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on digital gaming platforms from 1 Dec 2024 (Bank notice, the bank's own, read 6 Nov 2026)