The SBI Pulse credit card is an exclusive Credit Card for fitness enthusiasts. The card offers several free health memberships and benefits to its cardholders to help them maintain a healthy lifestyle. The SBI Card PULSE customer will be eligible for their e-voucher to get an exclusive NOISE Color Fit Pulse 2 Max Smartwatch worth ₹5,999 on payment of a joining fee of ₹ 1,499 as a welcome gift.
Apart from this, cardholders can take advantage of a complimentary FITPASS PRO Membership for 1 year, complimentary Netmeds First Membership for 1 year, waiver of renewal fees worth ₹1,499 on annual spenders of ₹2 lakh or more, Flexipay service, etc.
Key Highlights
| Key Highlights | Joining Fee | ₹ 1,499 + GST |
| Annual Fee/Renewal Fee | ₹ 1,499 + GST | |
| Best Suited For | Shopping, rewards, health | |
| Welcome Offer | Cardholders will get a NOISE Color Fit Pulse 2 Max Smartwatch worth ₹ 5,999 | |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver | |
| Milestone Benefits | Users to get a waiver of a renewal fee, get ₹ 1,500 worth of e-voucher | |
| Reward Type | Reward points |
SBI Pulse Credit Card Benefits
| Benefits | Details |
|---|---|
| Welcome Benefits | The SBI PULSE Credit Card customer will be eligible for their e-voucher to get an exclusive NOISE Color Fit Pulse 2 Max Smartwatch worth ₹ 5,999 on payment of a joining fee of just ₹ 1,499. E-vouchers to eligible cardholders will be sent within 45 days of eligibility calculation through Email or SMS |
| Health Benefits | – Users will get a complimentary FITPASS PRO Membership for 1 year, to be received every year till the card is active – Get a complimentary Netmeds First Membership for 1 year, to be received every year Note– These memberships are renewed annually upon card renewal. – FITPASS PRO Membership Terms & Conditions: Annual FITPASS PRO memberships are a combination of subscriptions of FITPASS, FITFEAST, and FITCOACH each for Eligible cardholders of SBI Cards PULSE credit card – Fitpass Membership: This membership provides access to a network of gyms, fitness centers and classes – FitCoach Membership: Access to Artificial Intelligence-led personalized fitness coaching routines via the Fitpass mobile application – FitFest Membership: Access to expert nutritionists for personalized smart diet plans on the Fitpass mobile application |
| Reward Points | – Users will earn 10 Reward Points per ₹100 spent on Chemist, Pharmacy, Sports, Dining and Movies spends – Earn 2 Reward Points per 100 spent on all other spends This card also provides option to pay card outstanding with Reward Points. 4 Reward Points = ₹ 1 |
| Milestone benefits | Waiver of renewal fees worth ₹1,499 on annual spends of ₹2 lakh or more on your SBI Card PULSE in the previous year – User will get ₹ 1500 e-vouchers on achieving annual spending of ₹ 4 lakh |
| Insurance Benefits | Category of Insurance Cover Insurance Cover Air Accident– ₹ 50 lakh Fraud Liability– ₹ 1 lakh Loss of Check-In Baggage– ₹ 72,000 Loss of Travel Documents– ₹ 12,500 Delay of Check-In Baggage– ₹ 7,500 Delay In Flight– ₹ 7,500 Damaged Baggage– ₹ 5,000 |
| Lounge Benefits | – SBI Card PULSE Cardholders are eligible for 8 Domestic Lounge access in a year but capped to 2 access per quarter – Cardholders will get a Complimentary Priority Pass Membership worth US $99 for the first two years of card membership |
| Fuel Surcharge Waiver | 1% Fuel Surcharge waiver for each payment between ₹ 500 – ₹ 4,000. Maximum Surcharge waiver of ₹250 per statement cycle, per credit card account. |
| Contactless Advantage | – SBI Card Pulse card users can make daily purchases with ease. To do it, simply tap your card on the secure card reader to ensure the transaction is complete – Fast & convenient: No more handing over your card or looking for cash for small, everyday purchases. Security: The card never leaves the user’s hand during the contactless payment process, thus significantly reducing the risk of fraud due to card loss and skimming. Even if the card is tapped on the card reader multiple times, the unique security key feature of VISA PayWave will ensure that only one transaction goes through, thus making it more secure |
| Balance Transfer on EMIs | Save money while paying off your credit card dues Transfer credit card dues from other banks to the name of all cardholders to avail lower interest rates and ensure timely repayment. |
| FlexiPay | With FlexiPay, cardholders can convert their large transactions into easy monthly installments. Make a transaction of ₹ 2,500 or more using your SBI Card PULSE, & log on to sbicard.com within 30 days of purchase to convert it to FlexiPay. |
| Bill Pay | Pay utility bills such as electricity, telephone, mobile, and others using the Easy Bill Pay facility on your SBI Card PULSE |
| Cash on The GO | Withdraw cash from over 1 million VISA ATMs across the globe |
| Global Acceptance | You can use your SBI Card PULSE in over 24 million outlets across the globe, including 3,25,000 outlets in India Use your card to make payments at any outlet that accepts VISA |
| Add-On Cards Benefits | With SBI Card PULSE, one can empower his family with add-on cards for his parents, spouse, children, or siblings above the age of 18 (18+) |
To know about SBI NRE Fixed Deposit, click here
Reward Redemption Process
How to redeem your reward points on SBI Pulse Credit card?
- Redeem the Reward Points earned against various options such as electronics, homeware, clothing, books, hotel bookings, a variety of shopping vouchers, etc., after logging into the internet banking account or YONO mobile app.
- The reward points can also be redeemed against the statement balance, i.e., you can get them converted into cash.
- 1 RP = ₹ 0.25.
- A reward redemption fee of ₹ 99 is applicable, this fee will only be applicable on physically shipped products and credit statements.
- Unless otherwise noted by the bank, all your reward points will expire 24 months after they are earned.
Fee & Charges
| Types of Charges | Details |
|---|---|
| Joining Fee | ₹1,499 + taxes |
| Annual Fee/Renewal Fee | ₹1,499 + taxes from 2nd year onwards. Renewal Fee reversed if annual spends for last year >= ₹ 2,00,000 |
| Add-On Fee | Nil |
| Cash Advance Fee | 2.5% or ₹ 500 whichever is higher at domestic ATMs 2.5% or ₹ 500, whichever is higher at international ATMs |
| Finance Charges | 3.75% per month 45% per annum |
| Late Payment Fee | For outstanding balance- Charges Balance b/w Nil– Up to ₹ 0 – ₹ 500 ₹ 400– b/w ₹ 501 – ₹ 1,000 ₹ 750– b/w ₹ 1,001 – ₹ 10,000 ₹ 950– b/w ₹ 10,001 – ₹ 25,000 ₹ 1100– b/w ₹ 25,001 – ₹ 50,000 ₹ 1300– Above ₹ 50,000 ₹ 100– An additional Late Payment Charge of ₹ 100 will be charged on missing payment of the Minimum Amount Due (MAD) by the due date for two consecutive cycles |
| Overlimit Fee | 2.5% of the over limit amount that exceeds the credit limit or ₹ 600 whichever is higher, will be levied |
| Reward Redemption Fee | ₹ 99 |
| Interest Free Credit Period | The interest-free loan period can vary b/w 20 – 50 days, depending on when the merchant submits the claim |
| Cash Payment Fee | ₹ 250 + taxes |
| Card Replacement Fee | ₹ 100 – ₹250 |
| Fuel Surcharge Waiver | 1% Fuel Surcharge waiver for each payment between ₹ 500 – ₹ 4,000 |
| Foreign Currency Mark-Up Fee | 3.5% of the transaction amount |
| Cheque Payment Fee | ₹ 100 |
| Payment Dishonor Fee | 2% of Payment Amount subject to minimum charges of ₹ 500 |
| Network Change Fee | ₹ 200 |
| Rent Payment Charges | ₹ 199 + GST |
Eligibility Criteria for SBI Pulse Credit Card
| Eligibility criteria | Details |
| Age | Be at least 21 years old and no more than 60 years of age |
| Nationality | Indian |
| Income | An annual income of ₹ 2 lakh & above |
| Occupation | Salaried or self-employed |
| Credit score | Have a good credit history with a decent credit score of at least 750 |
Documents Required for SBI Pulse Credit Card
Applicants will be required to submit proof of identity, address and income along with a duly filled application form for SBI Pulse Credit Card Given below is the list of acceptable documents:
How to Apply for the SBI Pulse Credit Card
SBI Card allows its customers to apply for SBI Pulse Card either online or offline.
Offline:
If the customer wants to apply for the credit card offline, he has to visit his nearest SBI branch with all the required documents and fill up the physical application form.
Online:
If the customer wants to apply for this card online, he has to follow the following simple steps step by step-
Step 1) Visit the official website of SBI Card.
Step 2) You will see the ‘Apply’ section and you should click on ‘Apply Now’.
Step 3) Select ‘SBI Card Pulse’ and once again click on ‘Apply Now’.
Step 4) Fill in all the required information, complete all the formalities, and then click on proceed.
Customer Care Service
If a cardholder/ card applicant has any related queries/assistance, he can reach out to SBI Card’s customer care team via phone or email:
- Dial 1860 180 1290 or 39 02 02 02 (prefix local STD code)
- Email customercare@sbicard.com
FAQs
What is FlexiPay?
Flexipay is a service that allows SBI credit cardholders to convert retail purchases into EMIs. The service is available for purchases made using the SBI credit card. The total amount of the transactions converted to EMIs must be greater than ₹ 2,500.
Can the add-on card holder avail of the flexiPay or the easy money service?
No, SBI add-on cardholders are not eligible for the Flexipay service. Flexipay is only available for primary SBI credit cardholders.
What is the grace period on SBI Card PULSE?
The interest-free grace period on your SBI Card PULSE is b/w 20 to 50 days. This means that no interest is applicable on your outstanding amount from the statement date to the next 20 to 50 days. One can continue to enjoy it when he pays bills on time.
What is the minimum credit limit one can get on a SBI Card PULSE?
The credit limit range usually allowed on the SBI Card PULSE is a min. of ₹ 40,000 and a max. of ₹ 10 Lakhs.
What is the PULSE protection plan on the SBI Card PULSE Credit Card?
You get a complimentary insurance cover of ₹ 1 lakh on any financial loss caused due to fraudulent transactions on your SBI Card Pulse. This is applicable when you call the 24/7 SBI Card customer helpline number and report the loss. Customers can call the toll-free number 1800-419-4000 or 6000-4000
What is SBI Pulse Card balance transfer facility?
With the balance transfer facility of SBI Pulse Credit Card, cardholders can transfer their credit card balance to another credit card with a lower interest rate or they can transfer the outstanding balance of any other card to SBI Pulse Card
Is the SBI Pulse Credit Card free for a lifetime?
No, the SBI Card Pulse is not free. It comes with a joining & renewal fee of ₹ 1,499. However, users can make it free for themselves by getting the annual fee waived by spending ₹ 2 lakhs or more every year
Can cardholders withdraw cash using my SBI Pulse Card?
Yes, cardholders can use the card to withdraw cash. A cash advance fee of 2.5% on the withdrawn amount is levied, subject to a minimum of ₹500
Is lounge access available for free with a SBI Pulse credit card?
Yes, SBI Card PULSE Cardholder is eligible for 8 Domestic Lounge access in a year capped to 2 access per quarter
What is the SBI Pulse Card’s credit limit?
The SBI Pulse credit limit is determined by the customer’s income & CIBIL Score. If he has a high monthly income, he can take advantage of this credit card’s high credit limit
On availing of the ‘Balance Transfer on EMI’ facility, can the user repay the amount before the EMI tenure ends?
Yes, one can repay the amount before the EMI tenure ends. However, a charge of 3% on the outstanding principal + GST will be applicable.
How much money can be availed using the ‘Easy Money’ facility?
A minimum amount of ₹ 5000 and a maximum of up to 75% of the available cash limit can be availed using the ‘Easy Money’ facility.
