SBI Card
SBI Card PULSE
Annual Fee
₹1,769₹1,499 + GSTBase Reward
2% points
Foreign Markup
3.5% of the transaction amount
Welcome Benefits
Noise ColorFit Pulse 4 Pro Smart Watch Worth ₹7,999 and Complimentary Fitpass Pro and Netmeds First Membership
Product Highlights
- Complimentary Noise ColorFit Pulse 4 Pro Smart Watch worth ₹7,999
- Complimentary FitPass Pro membership
- Complimentary Netmeds First membership
Category Rewards
dining
10X on dining, movies, chemists/pharmacies
10X
entertainment
10X on dining, movies, chemists/pharmacies
10X
Specialty
10X on dining, movies, chemists/pharmacies
10X
Specialty
10X on dining, movies, chemists/pharmacies
10X
Fee Waiver
Renewal fee waived on ₹2L annual spend
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Movies
10 Reward Points/₹100
Dining
10 Reward Points/₹100
Pharmacy
10 Reward Points/₹100
Chemist
10 Reward Points/₹100
Reward Calculator
Costs you ₹269/year
Break-even needs ~₹15,332/month at your reward mix.
₹13K
across all your buckets
6K
SBI Reward Points
₹1.5K
via standard · ₹0.25/pt
Effective rate
0.96%
Annual fee
₹1,769
Year 1 net
₹-269
Year 2+ net
₹-269
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
Annual fee reversal
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹3,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 10 Reward Points for every ₹100 spent on Movies, Dining, Pharmacy & Chemist, and 2 Reward Points for every ₹100 spent on other categories.
- 1 RP = Re. 0.25 against statement balance
Benefits & Features
Domestic: 2 Free Domestic Lounge Visits Per Quarter (Max 2 visits per quarter) International: N/A Complimentary access to 8 domestic airport lounges annually
Pros & Cons
Pros
- 10 Reward Points on Movies, Dining, Pharmacy & Chemist
- Complimentary Priority Pass membership for the first two years
- Renewal fee waiver on spending ₹2 lakhs
Cons
- Joining fee of ₹1,499
- Redemption fee of ₹100 on each request
Additional Info
Important note 1
Note 2
Up to 7,500 accelerated Reward Points each month
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Networks
Fee Waiver
Renewal fee waived on ₹2L annual spend