SBI PULSE Credit Card Review: Complete 2026 Update
Table of Contents
- Quick Verdict
- Card at a Glance
- Fees & Welcome Benefits
- Reward Point System Explained
- Travel & Lounge Benefits
- Milestone Benefits & Fee Waivers
- Pros & Cons
- Who Should Get This Card?
- Final Conclusion
Quick Verdict
- Is it good? Yes, especially for fitness enthusiasts.
- Reward rate? 10 Reward Points on every ₹100 spent on fitness-related categories.
- Best for? Gym-goers and health-conscious individuals.
Card at a Glance
| Feature | Details |
|---|---|
| Annual Fee | ₹1,499 + GST |
| Joining Fee | ₹1,499 + GST |
| Reward Rate | 10 Reward Points on ₹100 spent on fitness categories, 2 Reward Points on other categories |
| Welcome Benefit | Free Motorola Pulse 3 Headphone worth ₹1,599 on spending ₹6,000 |
| Lounge Access | 8 domestic lounge visits per year |
Fees & Welcome Benefits
The SBI PULSE Credit Card comes with an annual fee of ₹1,499 + GST. This fee is waived off if you spend ₹2 lakh in a year. The joining fee is the same as the annual fee, which is also ₹1,499 + GST. Upon joining, you receive a welcome benefit of a free Motorola Pulse 3 Headphone worth ₹1,599 when you spend ₹6,000 within the first few months.
Reward Point System Explained
Understanding the reward point system is crucial for maximizing benefits. With the SBI PULSE Credit Card, you earn:
| Category | Reward Points |
|---|---|
| Fitness-related spends (e.g., gym memberships) | 10 Reward Points per ₹100 |
| Other spends | 2 Reward Points per ₹100 |
These points can be redeemed for various products and services, making it a great option for those who frequently spend on fitness and wellness.
Travel & Lounge Benefits
For travel enthusiasts, the SBI PULSE Credit Card offers 8 domestic lounge visits per year. This is a significant perk for those who travel frequently. Each visit allows you to relax in comfort before your flight, making your travel experience more enjoyable.
Milestone Benefits & Fee Waivers
The card also features milestone benefits that reward you for your spending:
- Spend ₹2 lakh in a year to waive the annual fee.
- Spend ₹6,000 to receive a free Motorola Pulse 3 Headphone.
- Spend ₹10,000 to receive a free Motorola Power Pack Micro worth ₹2,999.
These benefits make the card appealing for those who can meet the spending thresholds.
Pros & Cons
| Pros | Cons |
|---|---|
| High reward rate on fitness-related spends | Products received may be defective |
| Free lounge access | Reward rate may not apply if you don’t want the product |
| Attractive welcome benefits | Renewal benefits not as attractive as first year |
| Easy fee waiver conditions | Annual fee may not be justified for non-gym users |
Who Should Get This Card?
The SBI PULSE Credit Card is ideal for:
- Fitness enthusiasts who regularly spend on gym memberships and health-related products.
- Individuals looking for a card with good travel benefits.
- Those who can meet the spending thresholds for milestone benefits.
Final Conclusion
In our experience, the SBI PULSE Credit Card is a solid choice for fitness lovers and frequent travelers. With its attractive reward points system and lounge access, it offers great value. However, if you don’t spend much on fitness, you might want to consider other options like the SBI Central Review or the SBI OLA Money Review. Overall, if you align with its benefits, this card could be a great addition to your wallet.
For more details, you can check the official SBI Card page here or visit CardExpert for comparisons.