The verdict
An outstanding card for active gym-goers and fitness enthusiasts. The Noise smartwatch (₹4,999 value) and 1-year Fitpass Pro gym access (worth over ₹10,000 in monthly workout passes) deliver massive first-year positive ROI against the ₹1,499 fee before even factoring in the 8 airport lounge visits.
Paying the ₹1,499 fee provides a Noise Smartwatch (~₹3,000 street price) + 1-Year Fitpass Pro (~₹10,000 gym value) + 8 airport lounges (~₹8,000) + Netmeds First (~₹500), generating over ₹21,000 in combined wellness value (14× fee return).
For individuals who don't visit gyms or order medicines online, the card's non-health rewards rate (0.5%) is low compared to 5% flat cashback cards.
✓What works
- +Noise ColorFit Pulse Smartwatch welcome gift on paying the ₹1,499 joining fee.
- +1-Year Complimentary Fitpass Pro membership providing access to 4,000+ premium gyms across India.
- +1-Year Complimentary Netmeds First membership (free doctor consultations and pharmacy discounts).
- +8 complimentary domestic airport lounges per year (2 per quarter).
- +10 Reward Points per ₹100 (2.5% return) on Chemist stores, Pharmacies, Dining, and Movie tickets.
✕What doesn't
- −General retail spend reward rate is 0.5% (2 RP per ₹100).
- −Annual fee waiver requires ₹2,00,000 spend.
- −Fitpass Pro pass requires completing minimum monthly transactions to maintain active status.
What it earns
1 SBI Reward Point = ₹0.25 on redemption catalog or statement credit.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Chemists, Pharmacies, Dining & Movies | 2.5% (10 RP / ₹100) | ₹10,000 spend cap (10k pts/mo) | 10,000 RP (₹2,500 value) |
| All Other Domestic Retail | 0.5% (2 RP / ₹100) | Uncapped | 2,000 RP (₹500 value) |
| Fuel & Rent | 0% | Excluded | 0 RP |
Accelerated earn
10X on Health & Pharmacies + Fitpass Pro Gym Access
Accelerated health rewards and unlimited gym memberships.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Chemist Stores & PharmaciesApollo, Netmeds, 1mg & local chemists. | 5× · 2.5% | 10,000 pts / month | — |
| Dining & Movie Tickets10 RP per ₹100 spent. | 5× · 2.5% | 10,000 pts / month | — |
Redemption options
Redeem points on sbicard.com for vouchers, merchandise, or statement credit.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Brand Vouchers & Gift CardsBEST VALUE | ₹0.25 / pt | 2,000 pts | None | ₹99 + GST |
| Statement Credit (Cashback) | ₹0.25 / pt | 2,000 pts | None | ₹99 + GST |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +8 complimentary domestic airport lounges per year (2 per quarter).
- +Fitpass Pro network of 4,000+ gyms and fitness studios.
- +Pharmacy and hospital pharmacy purchases.
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel purchases (1% surcharge waiver on ₹500–₹4,000).
- −Wallet loads.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹1,499 + GST (Noise Smartwatch + Fitpass Pro + Netmeds First) |
| Annual Renewal Fee | ₹1,499 + GST (Waived at ₹2,00,000 spend; Fitpass Pro renewed) |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.5% / month (42.0% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–65 years |
| Salaried Income | ₹30,000+ monthly net salary |
| Self-Employed Income | ITR above ₹4.0 Lakhs per annum |
Frequently Asked Questions
Does SBI Pulse Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for SBI Pulse Credit Card?
What is the reward rate and point redemption value on SBI Pulse Credit Card?
Which transactions are excluded from earning rewards on SBI Pulse Credit Card?
Who is SBI Pulse Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: SBI Pulse Credit Card
The SBI Pulse Credit Card is India’s dedicated health, wellness, and fitness credit card, introduced by SBI Card on the Visa Signature platform to reward health-conscious individuals, gym goers, and families managing recurring medical and pharmacy expenses. With an annual membership fee of ₹1,499 + GST, the renewal fee is 100% waived upon achieving ₹2,00,000 in qualifying retail spends in the previous card anniversary year.
Pulse’s headline value proposition delivers tangible health perks that substantially exceed its entry fee: an upfront Noise ColorFit Pulse smartwatch upon joining fee realization, complimentary 1-year FITPASS PRO membership granting access to 4,000+ gyms and fitness studios across India, complimentary 1-year Netmeds First membership for discounted medicine orders, 10 reward points per ₹100 (2.5% return) on pharmacy and dining, and 8 complimentary domestic airport lounges annually.
Key Privileges and Practical Everyday Benefits
- Noise ColorFit Smartwatch Welcome Gift: Receive a complimentary Noise ColorFit Pulse smartwatch (worth ₹4,999) upon payment of the joining fee within 60 days of card issuance.
- Complimentary 1-Year FITPASS PRO Membership: Enjoy 12 free workout sessions per month across a network of 4,000+ gyms and fitness centers nationwide, renewed annually on regular card fee payment.
- Complimentary 1-Year Netmeds First Membership: Receive unlimited free medicine delivery, an additional 2.5% Netmeds NMS SuperCash, and priority health consultations.
- Accelerated Pharmacy & Dining Rewards:
- Earn 10 reward points per ₹100 spent (2.5% return at 4 points = ₹1) on chemist shops, pharmacies, medical stores, and dining outlets.
- Earn 2 reward points per ₹100 spent (0.5% return) on general retail spending.
- Domestic Airport Lounge Access (8 Visits): 2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) across Indian terminals on Visa Signature.
- Milestone Vouchers & Spend Waiver: Receive a ₹1,500 Netmeds gift voucher upon achieving ₹4,00,000 in annual retail spending; ₹1,499 renewal fee waived at ₹2,00,000 spend.
Important Terms and Spend Conditions to Keep in Mind
- Health Membership Renewal Dependency: FITPASS PRO and Netmeds First memberships are valid for 1 year and renew only upon payment of the annual renewal fee (they do not renew if fee is waived or disputed).
- Attainable Spend Waiver Threshold: Waiving the ₹1,499 annual renewal fee requires spending ₹2,00,000 or more in eligible retail transactions during the previous anniversary year.
- Accelerated Category Restrictions: 10X points apply strictly to registered medical stores, pharmacies, and dining MCCs; hospital inpatient procedures and surgery billings earn standard base points.
- Excluded Spend Categories: Petrol pump transactions, wallet reloads, rent payments, government utility payments, and ATM cash advances do not accrue reward points.
- Standard Forex Markup: International spending incurs a 3.5% + GST foreign currency markup fee.
Who Benefits Most
- Daily Gym Goers & Fitness Enthusiasts: Active individuals who use FITPASS PRO for monthly workouts and save thousands on standalone gym memberships.
- Families with Regular Pharmacy Bills: Households ordering monthly maintenance medicines, supplements, and prescription drugs through Netmeds and local chemists.
- Health-Minded Travelers: Cardholders who appreciate combining fitness perks, smartwatch tracking, and 8 domestic airport lounge visits under a budget-friendly ₹1,499 annual fee.
- SBI Card — Pulse Credit Card schedule of charges
- SBI Card & Fitpass — Health memberships and Noise smartwatch welcome terms
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).