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SBI Card PULSE
SBI • Visa

SBI Card PULSE

Health & Wellness Benefits

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹1499Waived on ₹2L spend
Base Reward0.5%On all spends
Lounge Access1610 domestic • 6 intl
Est. Annual Savings₹1,440Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Waived on ₹2L spend

Net value₹1,800

Estimated savings per year.

Fee waiver target: ₹2,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Dining
2.5%
Shopping
2.5%
Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • SBI Card PULSE is best positioned as a lifestyle + dining specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 2.5% on dining-aligned lanes, while broad base return remains closer to 0.5%.
  • Current mapped lounge footprint is 16, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to lifestyle and dining spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 1,499 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

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 statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports21
  • Approval reports13

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Landmark Rewards SBI Card

Annual fee: Free

Shared focus: Lifestyle+14 more lounge visits in current datasetNo higher annual fee vs current card
View Details
Step 2

BPCL SBI Card Octane

Annual fee: ₹1499

Shared focus: LifestyleHigher top earn rate (7.2%)No higher annual fee vs current card
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for SBI Card PULSE using your current quarter spend.

₹0 spent₹25 target

Policy signal used: - 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). 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. Verify latest spend criteria and guest access with issuer before travel.

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.

Lounge Locations

16 airport lounge rows
View lounge map and location list16 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic T1

Bengaluru

2 lounges • 1 domestic • 1 international

2
080 Domestic Lounge - West PH 2Domestic

BEN • Bengaluru Airport • Domestic T1

080 International LoungeInternational

BEN • Bengaluru Airport • International T2

Chennai

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge - T2 TerminalInternational

CHE • Chennai Airport • International T2

Travel Club Lounge -T1 Lounge BDomestic

CHE • Chennai Airport • Domestic T1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic T1

Encalm LoungeInternational

HYD • Hyderabad Airport • International T1

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge DomesticDomestic

KOL • Kolkata Airport • Domestic T1

Travel Club Lounge InternationalInternational

KOL • Kolkata Airport • International T1

Mumbai

3 lounges • 2 domestic • 1 international

3
Adani East LoungeInternational

MUM • Mumbai Airport • International T2

Adani LoungeDomestic

MUM • Mumbai Airport • Domestic T1B

Travel ClubDomestic

MUM • Mumbai Airport • Domestic T2

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T3

Encalm LoungeInternational

NEW • New Delhi Airport • International T3

Pune

1 lounges • 1 domestic • 0 international

1
Elysian LoungeDomestic

PUN • Pune Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Noise ColorFit Pulse Smartwatch on joining
  • Fitpass Pro Membership
  • 5% Off on Pharmacy

Things to Consider

  • Watch is the main USP
  • Low base reward rate

About SBI Card PULSE

SBI Card PULSE is a points card from SBI, best for fitness enthusiasts. It is tagged under lifestyle, dining categories in our database.

LifestyleDining

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Frequently asked questions

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 16 lounge visits (10 domestic, 6 international).

Who should consider SBI Card PULSE?

Fitness Enthusiasts

Where can I apply for SBI Card PULSE?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.