Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Annual fee₹1,499
Joining fee ₹1,499
Fee waiver₹2,00,000
Waived on ₹2L spend
Best return0.6%
Shopping spend
Your spend, your value
Will this card earn its keep for you?
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
₹5K30,000/mo₹5L
Est. annual value+₹1,290after annual fee
Value covers the ₹1,499 annual fee
Fee waiver estimator
Adjust your spend only if you need to test whether the card pays for itself.
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Reward rate breakdown
Open the category chart when two cards are close and you need the exact spend shape.
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Reward rate by category
Earns hardest on dining — 0.63% vs 0.13% base.
Default redemption value, before fees, caps and exclusions. Points and NeuCoins may require eligible redemption channels.
Diningbest earn
0.63%
Shopping
0.63%
Basedefault
0.13%
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Live offersNone right now
Offer availability changes often.
Best redemptionNot highlighted
This card is better treated as direct cashback or feature value.
MilestonesNo milestone edge
No standout milestone boost highlighted.
Redemption tools
Use these only if your shortlist is down to cards where redemption value can change the decision.
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Redemption optimizer unavailable
This card is better evaluated through direct cashback, fee drag, and perk value right now.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
Rows mapped16 rows
10 domestic • 6 international policy count
Access ruleCheck terms
Policy override notes:
• SBI Pulse lounge benefits are secondary to lifestyle positioning and may be policy gated.
• Confirm if spend-based eligibility applies for current quarter/cycle.
- Source file: SBI Card Airport Lounge Access page (Set A lounges).
- Participating lounge list effective 10 Jan'26.
- Source terms mention lounge POS authorization holds (typically INR 2 for Visa/RuPay and temporary INR 25 hold for Mastercard).
Verify latest spend criteria and guest access with issuer before travel.
Coverage sourceIssuer mapped
Mapped from issuer lounge dataset + card policy signals
Full lounge eligibility checklist
Open this to validate spend thresholds, program fit, and any conditions that can block access.
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Lounge eligibility checklist
Mapped from issuer lounge dataset + card policy signals
Lounge Spend Tracker
Threshold unknown
Check the spend threshold for SBI Card PULSE using spend in the issuer’s qualifying period.
₹0 spentAdd threshold to start tracking
Threshold check only. Confirm qualifying dates, remaining visits, card variant and airport with your issuer. Meeting this target does not guarantee lounge admission.
No spend threshold was detected from current lounge policy text. You can still track manually.
Spend threshold
Confirm if spend-based eligibility applies for current quarter/cycle.
Quarter / cycle rule
Confirm if spend-based eligibility applies for current quarter/cycle.
Guest access
Guest access policy is not explicitly listed in current data.
Priority Pass
International lounge access is listed; verify if this is via Priority Pass or direct network.
Airport-wise lounge locations
Open the full location map only if this card passes the lounge rule check above.
16 rows
Lounge locations
16 mapped rows available on demand
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Decision Details
Fees, exclusions and eligibility
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Sources, review dates and limitations
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.
Truth Data Snapshot
Issuer-linked details for offers, redemption, lounges, and reliability status.
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Offer Truth
Joining fee₹1,499
Annual fee₹1,499
Waiver threshold₹2,00,000
Cap typenone
Cap resetnone
Last verified2026-02-12
Redemption Truth
Cash value/pointNot listed
Travel value/pointNot listed
Transfer partners0
Min redemptionNot listed
Expiry policyNot listed
Last verified2026-02-12
Lounge Truth
NetworkVisa
Domestic count10
International count6
Quarterly limitNot listed
Airport-terminal rows16
Policy check2026-02-10
Reliability + Outcomes
Verification statusstale
Freshness days232
Source conflicts0
Applied reports0
Approval reports0
Frequently asked questions
Short answers for the usual apply, fee, reward, and lounge questions.
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Is SBI Card PULSE lifetime free?
It has an annual fee of ₹1499. Waived on ₹2L spend
What rewards does SBI Card PULSE offer?
Health & Wellness Benefits
Does SBI Card PULSE include lounge access?
SBI Card PULSE lists lounge access with 16 mapped lounge rows (10 domestic, 6 international policy count).
Who should consider SBI Card PULSE?
Fitness Enthusiasts
Sources and verification
Last verification date and how this page was assembled.
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Sources & Verification
Latest recorded check: 12 Feb 2026
Data Method: Imported issuer material and editorial research. Check dates can differ across fee, reward and lounge records; a timestamp alone does not guarantee every field is current.
