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Explore cards from India's leading banks.
SBI CardFree to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
10 points per ₹100 on pharmacy, chemist, movies, dining; 2 points per ₹100 on other spends
Reward points redeemable against catalogue items or statement balance (1 point = ₹0.25).
The privileges that come bundled in, beyond the reward points.
Welcome smartwatch (Noise ColorFit Pulse 4 Pro) worth ₹7,999
Complimentary Fitpass Pro membership
Complimentary Netmeds First membership
4 complimentary domestic lounge visits per year (1 per quarter)
Priority Pass membership for first 2 years
1% fuel surcharge waiver on transactions ₹500‑₹4,000
Rs.1,500 e‑voucher on annual spend ₹4 lakh
Renewal fee waiver on annual spend ₹2 lakh
Zero liability protection up to ₹1 lakh
Travel insurance covers (lost baggage, delayed baggage, etc.)
An honest read on where this card earns its keep — and where it doesn't.
Health & wellness memberships
Smartwatch welcome gift
Lounge access
Fuel surcharge waiver
High annual fee (₹1,499 + taxes)
Low reward rate on non‑health spends
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI Card before you apply.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of SBI Card are often approved on slightly lower scores.
Everything you need to know about SBI Card Pulse fees, reward conversion, lounge access, and application eligibility.
The joining fee for SBI Card Pulse is nominal, and the annual renewal fee is ₹1499 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for SBI Card Pulse from SBI Card, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
SBI Card Pulse is designed to reward everyday spends. It currently features: "Not verified from configured sources". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via SBI Card's rewards portal.
Yes, SBI Card Pulse offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.
You can apply for SBI Card Pulse directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
