SBI Card PULSE
SBI · VISA★ 4.0/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
1% on Other
1% base value on other spends
SBI Card PULSE is built for health-conscious urban professionals. Earns accelerated reward points on gym memberships, pharmacy, diagnostics, and health apps like Cult.fit. Includes a complimentary Fitbit or similar wellness device and Practo Prime subscription.
Who is this for?
For working professionals who spend ₹3,000+/month on gym, pharmacy, and health apps. If health spending is a significant budget line, PULSE is the only mainstream Indian credit card that rewards it specifically.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 1% | — |
Other: 1% base value on other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Should you get it?
- Best for: Cult.fit / gym membership holder, Regular pharmacy and diagnostic centre visitor, Practo or HealthifyMe user, Health-conscious professional with ₹3K+ monthly health budget
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Other (1% back).
Pros
- Complimentary fitness device (Fitbit or equivalent) worth ₹3,000-5,000 on joining
- Accelerated reward points on gym memberships, pharmacy, diagnostics, and health apps
- Complimentary Practo Prime subscription for health consultations
- Only mainstream Indian card that rewards health spending as a category
Cons
- Value entirely concentrated in health categories — below-average earn on all other spends
- Requires ₹3,000+/month genuine health spend to justify the ₹1,499 annual fee
- No lounge access or travel benefits
- ₹1,499 annual fee with no waiver option — a fixed annual cost
Eligibility & documents
What your sbi reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 60,000 pts/month from Apr 2026
Vouchers & merchandise
The concern
Outside health categories the card is ordinary — it needs ₹3,000+/month of genuine health spend to beat generalist alternatives.
Bottomline
CardAdvisor Rating: 4.0 / 5PULSE is the only mainstream card that treats health spending as a category worth rewarding — plus a fitness-device welcome gift that effectively prepays the fee. Niche, but for the Cult.fit demographic the math genuinely works.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the SBI Card PULSE are taken from SBI's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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