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SBI PULSE Credit Card

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उत्पाद विवरण
क्रेडिट कार्ड का नाम

SBI PULSE Credit Card

Bank Name :

State Bank Of India

प्रकार

Health and Wellness Credit Card

ब्याज दर

Up to 3.50% per month (42% per annum) from the transaction date.

पात्रता

The applicant should have a regular source of income with a minimum annual income of Rs. 2 Lakh.
The applicant should be between 21 and 60 years of age.
The applicant should be a resident of India

SBI PULSE Credit Card
पेशेवरों

  • Welcome benefit: Users will get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 on payment of joining fee. 1 year FITPASS PRO and Netmeds First complimentary memberships on min. one retail transaction in the first year.

  • Reward benefit: The value of 1 reward point is Rs. 0.25. Users will get 10 reward points per Rs.100 spent on Chemist, Pharmacy, Dining and Movies. Effective cashback rate: 2.5%. 2 reward points will be awarded on Rs.100 spent on all other spends. Effective cashback rate: 0.5%. 

  • Both memberships (FITPASS PRO and Netmeds First) are to be received every year, on card renewal.

  • 8 domestic lounge access in a year capped to 2 access per quarter. 

  • Priority Pass Membership fees is complimentary for the first two cardholder membership years.

  • Rs.1500 voucher on achieving retail spends of Rs. 4 lakh in a year. 

  • Complimentary air accident liability cover of Rs. 50 Lakhs.

  • Complimentary credit card fraud liability cover of Rs.1 lakh.

  • 1% fuel surcharge waiver.

  • Contactless advantage. 

  • Worldwide acceptance. 

  • Balance transfer on EMI. 

दोष

  • The regular reward rate is lower than a lot of other cards in its segment.

  • Only domestic lounge access is provided. You get a Priority Pass, but you need to pay for each visit at international lounges.

  • FitPass Pro membership only gets you 12 slots a month, 3 per week, and 1 per day. 

  • The standard membership of the Priority Pass Program is provided only to the primary cardholder of SBI Card PULSE.

पक्ष विपक्ष
Welcome Benefits

Users will get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 on payment of joining fee. 1 year FITPASS PRO and Netmeds First complimentary memberships on min. one retail transaction in the first year.

पुरस्कार प्रणाली

The value of 1 reward point is Rs. 0.25. Users will get 10 reward points per Rs.100 spent on Chemist, Pharmacy, Dining and Movies. Effective cashback rate: 2.5%. 2 reward points will be awarded on Rs.100 spent on all other spends. Effective cashback rate: 0.5%. 

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

Upto- 3.5% per transaction 

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

1 year FITPASS PRO and Netmeds First complimentary memberships subject to payment of Joining Fee and min. one retail transaction in the first year

Eligibility Criteria

The applicant should have a regular source of income with a minimum annual income of Rs. 2 Lakh.
The applicant should be between 21 and 60 years of age.
The applicant should be a resident of India

फ़ायदे

- Up to 5X reward points on dining, grocery, departmental and online spends.

- 1% fuel surcharge waiver across all petrol pumps in India, up to Rs. 100 per month.

- Complimentary lounge access at select domestic airports, up to 4 times per year.

- A welcome gift voucher worth Rs. 500 from Amazon.in on joining.

- Discounts and offers from partner merchants across categories like travel, dining, entertainment and more.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

To apply for the SBI Pulse Credit Card, please follow these steps:


  • Visit the official website of SBI Card.

  • Click on the Credit Cards tab.

  • Select the SBI Pulse Credit Card option.

  • Click on the Apply Now button.

  • Fill in the required details, including personal and income information, and upload the necessary documents such as PAN card, Aadhaar card, and income proof.

  • Once you have submitted your application, it will be reviewed by SBI Card. If your application is approved, you will receive your SBI Pulse Credit Card within a few days 

सम्पर्क करने का विवरण

1800 1234

खाता खोलने की प्रक्रिया और प्रक्रिया

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विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Welcome benefit: Users will get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 on payment of joining fee. 1 year FITPASS PRO and Netmeds First complimentary memberships on min. one retail transaction in the first year.

  • Reward benefit: The value of 1 reward point is Rs. 0.25. Users will get 10 reward points per Rs.100 spent on Chemist, Pharmacy, Dining and Movies. Effective cashback rate: 2.5%. 2 reward points will be awarded on Rs.100 spent on all other spends. Effective cashback rate: 0.5%. 

  • Both memberships (FITPASS PRO and Netmeds First) are to be received every year, on card renewal.

  • 8 domestic lounge access in a year capped to 2 access per quarter. 

  • Priority Pass Membership fees is complimentary for the first two cardholder membership years.

  • Rs.1500 voucher on achieving retail spends of Rs. 4 lakh in a year. 

  • Complimentary air accident liability cover of Rs. 50 Lakhs.

  • Complimentary credit card fraud liability cover of Rs.1 lakh.

  • 1% fuel surcharge waiver.

  • Contactless advantage. 

  • Worldwide acceptance. 

  • Balance transfer on EMI. 

  • The regular reward rate is lower than a lot of other cards in its segment.

  • Only domestic lounge access is provided. You get a Priority Pass, but you need to pay for each visit at international lounges.

  • FitPass Pro membership only gets you 12 slots a month, 3 per week, and 1 per day. 

  • The standard membership of the Priority Pass Program is provided only to the primary cardholder of SBI Card PULSE.

The SBI Pulse Credit Card is a newly launched credit card that aims to provide its cardholders with exclusive health benefits so that they can manage both their health and wealth together. The card offers a range of benefits, including health benefits, travel privileges, and rewards. However, the card does have some drawbacks, such as a lower regular reward rate and limited lounge access. The fees and charges associated with the card are reasonable, and the application process is straightforward.

SBI PULSE Credit Card

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

उत्पाद समीक्षा
फीस एवं प्रभार

  • Annual Fee (one time): Rs. 1,499 + Taxes

  • Renewal Fee (per annum): Rs. 1,499 + Taxes from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 2,00,000.

  • Add-on Fee (per annum): Nil. 

  • Cash Advance fees: 2.5% or Rs. 500 whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs

  • Finance charges: Up to 3.50% per month (42% per annum) from the transaction date. 

  • Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date. NIL for Outstanding Amount on payment date from Rs.0-Rs.500, Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000  up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000; Rs. 1300 for Outstanding Amount greater than Rs. 50,000. 

  • Reward Redemption Fees: Rs. 99/- per redemption. 

ईंधन अधिशुक्ल

1% fuel surcharge waiver for each transaction between Rs.500 and Rs.4,000. Maximum surcharge waiver of Rs.250 per statement cycle, per credit card account.

Billing Cycle

30 Days

फीस एवं प्रभार
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