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SBI Card PULSE

The SBI Card PULSE is a rewards-focused credit card with an annual fee of ₹1,499 plus taxes. It offers 5X rewards on spends at chemists, pharmacies, and select categories. Cardholders also get FITPASS PRO and Netmeds memberships, along with two complimentary domestic lounge visits per quarter, enhancing convenience for health-conscious and frequent travelers.

SBI Card PULSE

About SBI Pulse Credit Card

The SBI Pulse Credit Card is designed with a focus on health and wellness, making it one of the few cards in India catering to this segment. Cardholders enjoy enhanced rewards on purchases at pharmacies and chemists, along with complimentary subscriptions to FITPASS PRO and Netmeds. New users also receive a Noise ColorFit Pulse 2 Max Smartwatch as a welcome benefit. Beyond wellness, the card offers perks on lifestyle categories such as dining and entertainment.

That said, the overall reward rate is relatively modest, which may limit its attractiveness for non-wellness spends. Even for health-related transactions, alternative cashback or reward cards may sometimes provide better returns. This guide covers all key details of the SBI Pulse Credit Card and how it compares to other popular rewards and cashback cards.

SBI Pulse Credit Card: Health & Wellness Perks

  • Fitness & Health Memberships: Free subscriptions to FITPASS PRO and Netmeds, renewed automatically upon card renewal.

  • Bonus Rewards on Wellness Purchases: Earn 10 reward points for every Rs. 100 spent at pharmacies and chemists.

  • Welcome Gift: Receive a Noise ColorFit Pulse 2 Max Smartwatch upon activating the card.

  • Annual Milestone Rewards: Get Netmeds vouchers worth Rs. 1,500 on spending Rs. 4 lakh in a year.

SBI Pulse Credit Card: Lifestyle & Additional Perks

  • Rewards Program:

    • Earn 10 reward points for every Rs. 100 spent on dining and movies.

    • Earn 2 reward points for every Rs. 100 on all other transactions.

    • Each reward point is valued at Rs. 0.25.

  • Lounge Access:

    • 8 complimentary domestic lounge visits annually (2 per quarter).

    • Priority Pass membership valued at USD 99.

  • Annual Fee Waiver:

    • Fee waived when annual spends reach Rs. 2 lakh.

  • Fuel Benefits:

    • 1% fuel surcharge waiver (up to Rs. 250 per billing cycle) for transactions between Rs. 500 and Rs. 4,000.

  • Insurance Coverage:

    • Protection against fraud up to Rs. 1 lakh.

    • Air accident cover of up to Rs. 50 lakh.

SBI Card PULSE Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

SBI PULSE Credit Card: Fee & Charges

Particulars Amount
Joining Fee Rs. 1,499
Annual Fee Rs. 1,499
Finance Charges 3.50% per month
Late Payment Charges
On outstanding balance of –
Less than Rs. 500 Nil
Rs. 500 – Rs. 1000 Rs. 400
Rs. 1000 – Rs. 10000 Rs. 750
Rs. 10000 – Rs. 25000 Rs. 950
Rs. 25000 – Rs. 50000 Rs. 1,100
More than Rs. 50000 Rs. 1,300

Things to Consider Before Applying for SBI Pulse Credit Card

Who Should Consider This Card:

  • Individuals seeking complimentary health and wellness perks.

  • Those who already have a card that covers lifestyle categories like dining, movies, or travel.

  • Cardholders who can spend around Rs. 4 lakh annually to fully utilize milestone-based rewards.

Who Might Want to Look Elsewhere:

  • People looking for a versatile, all-purpose rewards credit card.

  • Those who prefer to avoid an annual fee of Rs. 1,499.

  • Individuals who already enjoy free health or wellness memberships through other means.

Steps to Close SBI Card PULSE Credit Card

If you want to close your SBI Card PULSE Credit Card, you can follow the official offline methods provided by SBI Card. These methods are useful if you prefer direct assistance or are unable to submit an online request.

Visit Nearest Branch

  • Visit your nearest SBI branch with valid ID proof and credit card details

  • Request the credit card closure form from the bank representative

  • Fill in all required details accurately

  • Submit the form for verification and processing

Call Customer Care

Dial the following numbers:

Follow these steps:

  • Request the executive to initiate credit card closure

  • Provide details such as last 4 digits of the card and registered mobile number

  • Complete verification as instructed

Send Written Request

You can also send a formal written request including:

  • Cardholder name

  • Registered address

  • Contact number

  • Last 4 digits of the credit card

Mailing Address:-

  • SBI Cards and Payment Services Limited
    • Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower
    • E-1,2,3 Netaji Subhash Place, Wazirpur, New Delhi – 110034

Important Points to Remember

  • Clear all outstanding dues including EMIs, interest, and charges before closure

  • Redeem reward points before account closure

  • Cancel all auto-debits and subscriptions linked to the card

  • Do not use the card after submitting the closure request

  • Request confirmation via SMS or email

After Closure

  • Cut the card diagonally across the chip and magnetic strip

  • Check your credit report after a few weeks to ensure the status is updated as “Closed”

SBI Card PULSE Credit Card Helpline Number

If you need assistance regarding your SBI Card PULSE Credit Card, you can contact the customer support team of SBI Card for help with billing, payments, card blocking, reward points, and other services.

Customer Care Helpline Numbers

Availability

  • IVR services: 24×7 available

  • Customer care executives: Monday to Saturday (9:00 AM – 6:00 PM)

  • Note: Calls to 1860 numbers may be chargeable depending on your telecom operator

International Customer Support

This number can be used when calling from outside India.

Email Support

For personal credit cards, you can raise queries via SBI Card net banking or official website.

SMS Services (For Existing Cardholders)

Send SMS to 5676791 from your registered mobile number:

  • Balance Check: BAL XXXX

  • Available Limit: AVAIL XXXX

  • Block Card: BLOCK XXXX

  • Payment Status: PAYMENT XXXX

  • Reward Points: REWARD XXXX

  • E-Statement: ESTMT XXXX

  • Duplicate Statement: DSTMT XXXX MM

(Replace XXXX with last 4 digits of your card)

WhatsApp Support

Activation methods:

  • Missed call on 08080945040

  • SBI Card mobile app or website registration

  • SMS: WAOPTIN XXXX to 5676791

Services Available

Customer care can help you with:

  • Billing and statement-related queries

  • Reporting lost or stolen cards

  • Fraud and transaction disputes

  • Reward points and offers information

  • Credit card closure or upgrade requests

Important Tips

  • Keep your registered mobile number and card details ready

  • Never share sensitive information like OTP, PIN, or CVV

  • Always note your complaint/reference number for tracking

  • In case of fraud, block your card immediately using official channels

FAQs

How can I claim the welcome gift for SBI Pulse Credit Card?

The card offers a Noise ColorFit Pulse 4 Pro Smartwatch as a welcome gift. After paying the joining fee, you will receive an email or SMS within 21 working days with a voucher link. Redeem it by entering the voucher code and necessary details as prompted.

The credit limit varies based on your income, credit score, history, and internal bank policies. You can check the assigned limit in the welcome kit or by logging into your SBI Card account.

  • Complimentary FITPASS PRO and Netmeds memberships

  • Welcome gift: Noise ColorFit Pulse 4 Pro Smartwatch

  • Up to 20 reward points per Rs. 100 spent

  • Rs. 1,500 Netmeds voucher on annual spends of Rs. 4 lakh

  • Priority Pass membership and 8 free domestic lounge visits per year

  • Additional lifestyle rewards on dining and movies

Yes, cash withdrawals are possible, but they attract high interest from the date of withdrawal along with a service fee. It’s advisable to avoid cash advances to prevent high debt costs.

Log in to your SBI Card account online, go to the ‘Requests’ section, select card activation, and enter your card details. You can also call the SBI Card helpline for assistance.

Yes, the card is accepted at over 24 million outlets worldwide.

You can redeem the Netmeds voucher once your existing membership expires.

Cardholders are eligible for up to 12 sessions per month.

Reservations must be made in advance via the FITPASS mobile app.

You can close the account by calling the SBI Card helpline or sending a written request via email. Ensure all outstanding dues are cleared to avoid negative impacts on your credit score.

The card carries a joining fee of Rs. 1,499 plus applicable taxes.

Yes, 8 complimentary domestic lounge visits per year are included, along with a Priority Pass membership worth USD 99.

SBI SimplyCLICK is optimized for online shopping with higher e-commerce rewards, while SBI Pulse focuses on everyday spends such as dining, movies, and wellness.