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SBI PULSE Credit Card


Privileges on SBI Card PULSE

Know what you would be entitled to with this card

SBI PULSE Credit Card Welcome Gift

Welcome Gift

  • Get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 on payment of joining fee
Learn more

Welcome Gift

  • Click here to know more
SBI PULSE Card Health Benefits

Health Benefits

  • Enjoy 1 year complimentary FITPASS PRO Membership, to be received every year, on card renewal
  • Enjoy 1 year complimentary Netmeds First Membership, to be received every year, on card renewal
Learn more

Health Benefits

  • Both Memberships are subject to payment of Joining Fee and min. one retail transaction
  • Click Here to Learn More
SBI Card PULSE Reward Points

Reward Points

  • Enjoy 10 Reward Points per Rs. 100 spent on Chemist, Pharmacy, Dining and Movies spends
  • Earn 2 Reward Points per Rs.100 spent on all your other spends
Learn more

Reward Points

  • Pay your card outstanding with Reward Points. 4 Reward Points = Rs. 1
  • You can also redeem your Reward Points against a host of options from the Reward Catalogue
SBI PULSE Credit Card Milestone Benefits

Milestone Benefits

  • Waiver of Renewal Fee on annual spends of Rs.2 Lakhs
  • Get Rs.1500 E-Voucher on achieving annual retails spends of Rs. 4 Lakhs
Learn more

Milestone Benefits

  • Click here to Learn more
SBI PULSE Credit Card Benefit - Comprehensive Insurance Cover

Comprehensive Insurance Cover

  • Avail Fraud Liability Insurance Cover of Rs. 1 lakh
  • Air Accident Cover of Rs. 50 lakh
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Comprehensive Insurance Cover

  • Loss of check in baggage up to Rs 72,000 (1000 USD)
  • Delay of check in baggage Rs 7,500
  • Loss of travel documents up to Rs 12,500
  • Baggage Damage- Cover up to Rs. 5000
  • Click Here for detailed T&C
SBI PULSE Card Lounge Benefits

Lounge Benefits

  • Complimentary 8 Domestic Lounge visits (Restricted to 2 per quarter)
  • Complimentary Priority Pass Membership worth US $99 for first two years of cardholder membership
Learn more

Lounge Benefits

  • Click here for detailed Terms & Conditions
    • Annual Fee (one-time):Rs. 1,499 + Taxes
    • Renewal Fee (per annum):Rs. 1,499 + Taxes

SBI Card PULSE - Features, Fee and Charges

Your SBI Card PULSE now comes with a host of features

  • Terms and Conditions

      • For detailed Terms and Conditions and Usage Directions, click here
  • Reward Point

      • Enjoy 10 Reward Points per Rs.100 spent on Chemist, Pharmacy, Dining and Movies
      • Earn 2 Reward Point per Rs.100 spent on all your other spends
      • 4 Reward Points = Rs.1
      • Use your Reward Points to pay the outstanding balance on your credit card or redeem against a wide array of gifts
      • Click here to browse through our Rewards Catalogue to choose your gifts
  • Welcome Benefits

      • Get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 on payment of joining fee
  • Health Benefits

      • Enjoy 1 year FITPASS PRO and Netmeds First complimentary memberships subject to payment of Joining Fee and min. one retail transaction in the first year
      • Both memberships (FITPASS PRO and Netmeds First) to be received every year, on card renewal
  • Lounge Program

      • SBI Card PULSE Cardholder are eligible for 8 Domestic Lounge access in a year capped to 2 access per quarter
      • Refer Visa Lounge Program Terms and Conditions on
      • Visa reserves the right at any time, without prior notice to add, alter, modify or change list of lounges under this program applicable for SBI Card PULSE
      • Priority Pass Membership fees is complimentary for first two cardholder membership years
      • There are no complimentary visits for SBI Card PULSE
      • The standard membership of the Priority Pass Program is provided only to the primary cardholder of SBI Card PULSE
  • Milestone Benefits

      • Get Rs.1500 voucher on achieving retail spends of Rs. 4 lakh in a year
      • Get annual membership fee reversal from second year of your subscription. To avail fee reversal, you need to have spent Rs. 2 lakh or more on your SBI Card PULSE in the previous year
  • Air Accident & Fraud Liability Cover

      • Get complimentary Air Accident Liability Cover of Rs. 50 Lakhs
      • Get complimentary credit card Fraud Liability Cover of Rs.1 lakh
      • This cover is valid for a period of 48 hours prior to reporting of loss, to 7 days post reporting of loss. Please call SBI Card helpline to report card loss: Dial 1860 180 1290 or 39 02 02 02 (prefix local STD code)
  • 1% Fuel Surcharge waiver

      • 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.
  • Contactless Advantage

      • Daily purchases now made easy with SBI Card PULSE. Simply tap your card at a secure reader to transact
      • Fast & convenient: No need to hand over your card or look for cash / coins for everyday small ticket purchases
      • Security: The card never leaves your hand during a Contactless transaction, significantly reducing the risk of card loss and fraud due to skimming (counterfeit). Even if the card is tapped multiple times at the reader, the unique security key feature of VISA PayWave will ensure that only one transaction goes through, thus making it more secure
      • Please click here to download the FAQ’s
      • Please click here to download the list of Merchants enabled for transactions.
  • Worldwide Acceptance

      • You can use your SBI Card PULSE in over 24 million outlets across the globe, including 3,25,000 outlets in India
      • Use your card to make payments at any outlet that accepts VISA
  • Add-on Cards

      • With SBI Card PULSE, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18
  • Cash on the Go

      • Withdraw cash from over 1 million VISA ATMs across the globe
  • Utility Bill Payment Facility

      • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your SBI Card PULSE
      • Click here to know more
  • Flexipay

      • With Flexipay, convert your transactions in easy monthly installments. Just transact for Rs. 2,500 or more using your SBI Card PULSE, and log onto within 30 days of purchase to convert it into Flexipay
      • Click here to know more
  • Balance Transfer on EMI

      • Save money while paying your credit card dues
      • Transfer the outstanding balance of other banks’ credit cards to your SBI Card PULSE, to avail a lower rate of interest and pay back in EMIs
      • Log onto with your user ID and password to avail this service
      • Click here to know more
  • Easy Money

      • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
      • Log in with your username and password to to book Easy Money
  • Fees

      • 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
  • Order of payment settlement

      • All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.
  • Things to know

      • Submit account payee cheques following CTS 2010 standards for timely processing of your cheque payment
      • All taxes would be charged as applicable on all the above Fees, Interest & Charges

      Your continued use of the card will be deemed acceptance of amendments in all Terms and Conditions


      For assistance, please call SBI Card helpline at:

      Dial 1860 180 1290 or 39 02 02 02 (prefix local STD code)

      All information in this communication is correct as per July 2018 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at

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