SBI Pulse Credit Card: Wellness, Rewards & Travel Privileges in One

SBI Pulse Credit Card: Wellness, Rewards & Travel Privileges in One

Introduction

In today’s fast-paced lifestyle, health and financial discipline often go hand in hand. Modern professionals look for convenience, savings, and wellness benefits in every product they choose, including credit cards. Recognizing this need, SBI Card introduced the SBI Pulse Credit Card, a health-focused card that combines fitness rewards, wellness services, travel privileges, and financial benefits.

Unlike regular credit cards that only offer discounts or cashback, the SBI Pulse Credit Card integrates health check-ups, fitness memberships, insurance protection, and reward points, making it an ideal choice for health-conscious individuals, frequent travelers, and modern professionals.

What Makes the SBI Pulse Credit Card Unique?

The SBI Pulse Card is built around three key pillars: wellness, lifestyle, and financial value. From free gym memberships to reward points on medical expenses, it caters to a lifestyle where health is a priority.

• Fitness-centric benefits like free membership of FITPASS PRO.
  
  

• Healthcare rewards through Netmeds First subscription.
  
  

• Airport lounge access for frequent flyers.
  
  

• Comprehensive insurance cover for safety and security.
  
  

This unique mix makes it stand out from traditional reward-based credit cards.

Health & Wellness Benefits

1. Welcome Gift: Get a Noise ColorFit Pulse Smartwatch worth ₹4,999 on joining.
   
   

2. FITPASS PRO Membership: Complimentary 1-year access to thousands of gyms and fitness studios across India.
   
   

3. Netmeds First Subscription: Exclusive savings on medicines, health check-ups, and wellness products.
   
   

4. Free Annual Health Check-up: Promoting preventive healthcare for cardholders.
   
   

These features make the SBI Pulse Credit Card one of the rare cards in India that focuses on both financial and physical well-being.

Reward Program

The card offers an impressive reward structure:

• 10 Reward Points per ₹100 spent on pharmacy, dining, and entertainment.
  
  

• 2 Reward Points per ₹100 spent on all other purchases.
  
  

• Milestone Rewards:
  
  

• Spend ₹2,00,000 in a year → Annual fee waived.
  
  

• Spend ₹4,00,000 in a year → Get an e-voucher worth ₹1,500.
  
  

This ensures that both everyday spending and lifestyle purchases are rewarded generously.

Travel & Lounge Access

For frequent flyers, the SBI Pulse Credit Card also doubles as a travel companion:

• Domestic Lounges: 8 complimentary visits every year (2 per quarter).
  
  

• International Access: Complimentary Priority Pass Membership worth $99 (valid for the first 2 years).
  
  

These privileges allow cardholders to travel in comfort without additional costs.

Insurance & Protection Benefits

Security is another strong feature of the SBI Pulse Card. It offers:

• Air Accident Insurance Cover: ₹50 lakh.
  
  

• Fraud Liability Cover: Up to ₹1 lakh for lost or stolen cards.
  
  

This ensures peace of mind while traveling or in case of emergencies.

Additional Features

• Fuel Surcharge Waiver: 1% waiver on transactions between ₹500 – ₹4,000 (maximum ₹250 per billing cycle).
  
  

• Contactless Payments: Enabled for quick, secure transactions.
  
  

• EMI Conversion: Convert large purchases into affordable monthly installments.
  
  

Fees & Charges

Eligibility Criteria

• Age: 21 – 65 years for salaried; up to 65 years for self-employed.
  
  

• Income: Minimum income requirement as per SBI norms.
  
  

• Credit Score: 700+ preferred.
  
  

• Residency: Indian resident with valid address proof.
  
  

Documents Required

• Identity Proof: Aadhaar, PAN, Passport, or Voter ID.
  
  

• Address Proof: Utility bill, Aadhaar, or Passport.
  
  

• Income Proof: Salary slip/ITR/Bank statement (last 3 months).
  
  

• Photograph: Passport-size photo.
  
  

How to Apply

Online:

1. Visit the official SBI Card website.
   
   

2. Select SBI Pulse Credit Card.
   
   

3. Fill in personal and financial details.
   
   

4. Upload documents and apply.
   
   

5. Post-verification, the card will be dispatched.
   
   

Offline:

• Visit the nearest SBI branch.
  
  

• Fill the application form, attach documents, and submit.
  
  

• Once verified, the card is issued and delivered.
  
  

Who Should Get the SBI Pulse Credit Card?

This card is perfect for:

• Health-conscious professionals who want fitness + financial benefits.
  
  

• Frequent travelers who value lounge access and travel insurance.
  
  

• High spenders looking to maximize milestone rewards.