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ValueHigh
VerdictTop Tier
VerifiedYes
Rating4.8/5
124 verified reviews
Executive Summary: The SBI Card PULSE by SBI Card is a Lifestyle offering featuring 2% cashback. Key benefits include 10X rewards on Practo, Cult.fit, Netmeds, Pharmeasy, 5X on dining and grocery. Most suitable for users seeking Best for health-conscious individuals who...
SBI Card
SBI Card PULSE
Data Verified
Last checked: 22 May 2026Best for health-conscious individuals who regularly spend on fitness memberships, online pharmacy, doctor consultations, and wellness products.
India's first health and fitness-focused credit card, offering 10X reward points on health, wellness, and fitness platforms including Practo, Cult.fit, Netmeds, Pharmeasy, and Apollo 24|7. Also includes lounge access and dining rewards.
HealthFitnessDiningShoppingLifestyle
Annual Fee
₹1499
Annual fee waived on spending ₹3 lakh annually
Cashback
2%
Headline Rate
Forex Markup
3.5%
Standard Rate
Value Calculator
AI Powered
₹25,000
MinMax
Calculations are indicative based on the product's headline rates. Actual benefits may vary based on spend categories and credit profile.
Annual Savings
₹6,000
Based on your 2% cashback rate.
Expert Verdict
"SBI Card PULSE is unique — it's the only card in India that specifically rewards health and fitness spending. 10X on Practo (doctor consults), Cult.fit (gym), and Netmeds/Pharmeasy (medicine) covers recurring health expenses that most cards ignore. The welcome smartwatch completely offsets the fee. Verdict: Fills a genuine gap."
Key Privileges
Welcome BenefitNoise ColorFit Pulse Smartwatch worth ₹4,999 on joining fee payment
Fee WaiverAnnual fee waived on spending ₹3 lakh annually
Interest Rate (APR)42%
Min. Income₹4 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score720
- Min. Income₹4 lakh per annum
- EmploymentSalaried/Self