1. Welcome Gift – Smartwatch Benefit
One of the biggest attractions of the SBI Pulse credit card is the welcome benefit.
After paying the joining fee, you receive:
Noise ColorFit Pulse 2 Max Smartwatch
For many users, this alone almost covers the joining fee value. If you were already planning to buy a fitness smartwatch, this feels like a good deal.
2. Complimentary Gym Membership
This is where the card stands out.
You get:
1-year complimentary Fitpass Pro membership
That means access to multiple gyms and fitness centers across India. If you regularly visit a gym, this benefit can save you a decent amount annually.
However, if you don’t work out, this feature may not add much value for you.
3. Reward Points Structure
The SBI Pulse card offers reward points instead of direct cashback.
10X Reward Points On:
Chemist purchases
Pharmacy bills
Dining
Movies
2 Reward Points On:
All other retail spends
Reward value is approximately ₹0.25 per point when redeemed.
If you frequently spend on dining and medical purchases, the reward rate becomes attractive. Otherwise, it works like a standard rewards card.
4. Annual Milestone Benefit
If you spend ₹2 lakh in a year:
You receive a ₹2,000 e-gift voucher
The annual fee is also reversed
For salaried professionals who use one primary credit card for most expenses, hitting ₹2 lakh annually is realistic.
5. Airport Lounge Access
The card provides:
4 domestic airport lounge visits per year
Limited to 1 per quarter
This is useful for occasional travelers. It is not a premium travel card, but the lounge access is a good add-on.
- Fuel Surcharge Waiver
1% fuel surcharge waiver
Valid for transactions between ₹500 and ₹4,000
This is a standard feature found in many SBI credit cards.
- Fees You Should Know
Joining Fee: ₹1,499 + GST
Annual Fee: ₹1,499 + GST
Annual fee waiver on ₹2 lakh annual spending
The card makes sense only if you can either use the fitness benefits or reach the spending milestone.
Who Should Consider SBI Pulse Credit Card?
This card works best for:
Young professionals
Fitness-conscious individuals
Regular gym users
People who dine out often
Users who spend consistently above ₹2 lakh annually
If your primary goal is pure cashback, there may be better alternatives. But if you value lifestyle perks, this card feels more rewarding.
Final Thoughts
The SBI Pulse credit card is not just about reward points. Its real value comes from the combination of:
Smartwatch welcome benefit
Gym membership
Dining and pharmacy rewards
Lounge access
