SBI Pulse Credit Card Benefits

In today's blog, we will give you the information about SBI Pulse Credit Cards based on their welcome rewards, cashback rate, and more.

The SBI Pulse Credit Card is a lifestyle and wellness-focused card, specially curated for individuals who want to stay fit while enjoying travel and daily rewards. It combines healthcare perks, travel privileges, and rewarding spends in one complete package, making it one of the most unique offerings in SBI's credit card.

Some highlighted features that make this card attractive are:-

1. Noise Smartwatch – A Fitness Companion Right on Your Wrist

   One of the first rewards you receive with this card is a free Noise ColorFit Pulse Smartwatch, valued at around INR 5,000. This isn’t just a promotional gadget, it’s a fully functional health tracker that you can use every day. You’ll get this watch delivered to you after your first retail transaction with the card, which is a nice little bonus just for starting to use it.

   
   

   The watch comes with a bunch of useful features. It tracks your heart rate, which helps you understand your cardiovascular health over time. It also keeps a check on your blood oxygen levels (SpO2), especially important in today’s times when everyone’s a little more conscious of their respiratory health. It tracks your steps, sleep cycles, and calories burned, making it ideal for anyone trying to stay active or get into a healthier routine.

   
   

   For fitness beginners and enthusiasts alike, this watch can act as a motivator and a tracker. If you’re someone who has wanted to build better habits but struggled with consistency, wearing a smart device like this can give you gentle nudges throughout the day to move more and stay on track.

   
   

2. FITPASS Pro Membership – Access to 4,000+ Gyms Across India

   Fitness isn’t one-size-fits-all, and that’s exactly what FITPASS understands. With your SBI Pulse Credit Card, you get a free 1-year FITPASS Pro membership, which opens up a world of fitness options without tying you down to a single gym.

   
   

   FITPASS partners with over 4,000 gyms and fitness studios across India. That means whether you’re in Delhi, Mumbai, Bangalore, or even a smaller town, there’s a good chance you’ll find a partner facility nearby. What’s even better is that FITPASS doesn’t restrict you to just gym equipment. You can explore different activities like yoga, Zumba, functional training, pilates, spinning, and more. So, if you get bored easily or love trying new workouts, this membership gives you the flexibility to mix things up.

   
   

   You can book sessions through the FITPASS app and manage your schedule without the commitment of an annual gym contract. For working professionals or frequent travelers, this flexibility is a big win you can work out wherever you are, whenever you want.

   
   

3. Netmeds First Membership – Convenient Healthcare at Home

   Health isn’t just about staying fit, it’s also about easy access to reliable medical services, and that’s where this next benefit comes in. With the SBI Pulse Credit Card, you also get a 1-year free Netmeds First membership. This membership is ideal for individuals or families who prefer managing their healthcare needs from home.

   Here’s what it includes:

   • Free online doctor consultations, which save you the hassle of visiting a clinic for minor issues or follow-ups.

   • Priority medicine delivery ensures you receive your prescriptions faster than standard delivery services.

   • Discounts on pathology tests which is a great way to save money on annual health check-ups or regular lab work.

   • And yes, speaking of health check-ups, you even get a basic annual health screening included in the membership.

     
     

   This makes life simpler, especially for older adults, busy parents, or professionals with tight schedules. You don’t have to take time off work or wait in lines at clinics. You can consult a doctor or order medication from your phone, at your convenience.

   
   

4. Priority Pass Membership – International Travel Made Smoother

   For those who travel internationally, the SBI Pulse Card offers a complimentary Priority Pass membership for the first two years (usually worth $99). While the membership itself is free, you’ll need to pay per lounge visit after activation. Still, having the pass in hand gives you access to over 1,300 lounges across the world.

   
   

   Think about long layovers or delayed flights. Instead of waiting at crowded gates, you can relax in a lounge with comfortable seating, free snacks, beverages, clean restrooms, and high-speed Wi-Fi. These spaces are quieter and far more pleasant, especially if you’re on a work trip or just need a calm spot to recharge.

   
   

   Frequent international travelers know how valuable lounge access can be. Even if you don’t fly abroad every month, having the option for smoother travel is worth a lot—and with Pulse, you get that without paying the membership fee.

   
   

5. 8 Complimentary Domestic Lounge Visits – Comfort Within India

   Now, let’s talk about domestic travel, which most of us do more frequently. The SBI Pulse Credit Card gives you 8 free domestic airport lounge visits every year, 2 per quarter. Whether you're flying for a job interview, a business meeting, or just heading home for the holidays, these lounges provide a break from the usual airport chaos.

   
   

   What do you get inside? Most lounges offer air-conditioned seating, Wi-Fi, charging points, snacks, beverages, and clean washrooms, small comforts that make a big difference when you’re traveling. For young professionals, students, or frequent flyers, these visits can add a touch of calm to a rushed schedule.

   
   

   These domestic lounges are powered by DreamFolks, one of the top airport service aggregators in India. Their presence across major airports ensures wide access and a seamless lounge entry experience, usually just a swipe of your card at the counter.

   
   

What Are The Welcome Benefits Of Having an SBI Pulse Credit Card?

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

  
  

What Are The Milestone Benefits Of Having an SBI Pulse Credit Card?

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

What Is The Cashback Rate Of SBI Pulse Credit Card?

• The value of 1 reward point is INR 0.25. 

• Users will get 10 reward points per INR 100 spent on Chemist, Pharmacy, Dining, and Movies. Effective cashback rate: 2.5%. 

• 2 reward points will be awarded for INR 100 spent on all other spends. Effective cashback rate: 0.5%. 

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

Fees And Charges:

• Joining Fee: INR 1,499 + Taxes

• Annual Fee: INR 1,499 + Taxes

• Cash Withdrawal Fee (ATM): 2.5% or INR 500 whichever is higher at domestic ATMs and 2.5% or INR 500, whichever is higher at international ATMs

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

• Interest Rate (on unpaid amount): Up to 3.50% per month (42% per annum) from the transaction date.

Eligibility:

• The applicant should have a regular source of income with a minimum annual income of INR 2 Lakh.

• The applicant should be between 21 and 60 years of age.

• The applicant should be a resident of India

Conclusion:

In a world where most credit cards focus on retail discounts and cashback, the SBI Pulse Credit Card brings something different to the market: health, fitness, and a little bit of travel comfort. It's a great choice for individuals and families who are conscious about their health and life, and travel occasionally for work.

One of the first things you’ll notice about this card is that it’s not just a piece of plastic with reward points. It’s packed with actual benefits you can use, starting with a free Noise smartwatch. Unlike typical welcome gifts, this one encourages healthier living from day one. Along with that, SBI gives a FITPASS Pro membership, giving you access to thousands of gyms and fitness studios across India. Whether you prefer yoga, CrossFit, or basic cardio, the variety ensures there’s something for everyone.

For those who shop for medicine online, the inclusion of a Netmeds membership is there. The user will get savings on health checkups, medicines, and digital doctor consultations. These perks are not for advertising purposes but actually for taking care of an individual's health; they’re genuinely useful for anyone who invests in self-care regularly.

The card includes 8 complimentary domestic airport lounge visits per year, a feature that brings noticeable comfort during layovers or long travel days. For international travel, you get a Priority Pass membership, although the lounge visits themselves are chargeable beyond a point. Still, having the pass is convenient for frequent flyers, especially when combined with the other wellness benefits.

From a value perspective, the card is reasonably structured. The annual fee of INR 1,499 might seem a bit on the higher side at first glance, but it’s easily waived if you spend INR 2 lakh in a year. Considering the rewards and milestone benefits built into the system, that’s a fair deal for most moderate users.

Of course, the card isn’t perfect for everyone. If you're someone who doesn't actively use gym services, health-related memberships, or online medicine delivery platforms, a good portion of the value might go unused. In that case, a traditional cashback or travel card might suit you better.

But if you’re even mildly health-conscious and fly a few times a year, SBI Pulse hits a rare sweet spot. It’s not trying to do everything. Instead, it focuses on a specific lifestyle and delivers well within that scope. And when you look at the fine print, you’ll see that DreamFolks powers the lounge access, ensuring smooth entry at airports across India.

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