{
  "id": "sbi-pulse",
  "locale": "en",
  "name": "SBI Pulse Credit Card",
  "bank": "SBI Card",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹1,499 + GST",
  "loungeAccess": "8 Domestic Lounges / year (2/qtr)",
  "rewardsRate": "10 points / ₹100 on chemist, pharmacy and dining · 8 domestic airport lounges",
  "bestFor": "Gym goers, pharmacy spends, health-conscious consumers & domestic airport lounges",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-pulse.html",
  "aiVerdict": {
    "score": 4,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.5,
  "affiliateId": "sbi-pulse",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "SBI Card — Pulse Credit Card schedule of charges",
    "SBI Card & Fitpass — Health memberships and Noise smartwatch welcome terms"
  ],
  "feeWaiver": "Waived at ₹2,00,000 annual spend",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Welcome Gift",
      "value": "Noise Smartwatch (₹4,999)"
    },
    {
      "key": "Fitness Pass",
      "value": "1-Yr Fitpass Pro (4k+ gyms)"
    },
    {
      "key": "Health Pass",
      "value": "1-Yr Netmeds First"
    },
    {
      "key": "Pharmacy & Dining",
      "value": "10 RP / ₹100 (2.5%)"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹1,499 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Chemists, Pharmacies, Dining & Movies",
      "rate": "2.5% (10 RP / ₹100)",
      "monthlyCap": "₹10,000 spend cap (10k pts/mo)",
      "perLakhSpent": "10,000 RP (₹2,500 value)"
    },
    {
      "category": "All Other Domestic Retail",
      "rate": "0.5% (2 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 RP (₹500 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Chemist Stores & Pharmacies",
      "multiplier": "5×",
      "rate": "2.5%",
      "monthlyCap": "10,000 pts / month",
      "dailyCap": "—",
      "note": "Apollo, Netmeds, 1mg & local chemists."
    },
    {
      "channel": "Dining & Movie Tickets",
      "multiplier": "5×",
      "rate": "2.5%",
      "monthlyCap": "10,000 pts / month",
      "dailyCap": "—",
      "note": "10 RP per ₹100 spent."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.25 / pt",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "Statement Credit (Cashback)",
      "value": "₹0.25 / pt",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹500–₹4,000).",
    "Wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,499 + GST (Noise Smartwatch + Fitpass Pro + Netmeds First)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,499 + GST (Waived at ₹2,00,000 spend; Fitpass Pro renewed)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹30,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹4.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}