SBI Card Pulse

The SBI Card Pulse launched by one of the largest banks in the country, the State Bank of India (SBI) is a fitness focused credit card, specifically designed for those who follow an active lifestyle. The card can be availed at an annual fee of Rs.1,499 and it offers health and wellness benefits, spend-based reward points, annual fee waiver facility and many other benefits.

Updated On - 06 Sep 2025
sbi pulse credit card

Key Features and Benefits of the SBI Pulse Credit Card

The features and benefits offered by SBI Pulse credit card are mentioned below:

  1. On payment of the joining fee, the card will offer a Noise ColorFit Pulse Smart Watch worth Rs.4,999.
  2. Get one-year NetMeds membership complimentary and one-year FITPASS PRO membership.
  3. On annual spend of Rs.2 lakh, the card offers the facility of waiver of renewal fee.
  4. On achieving the annual expenditure of Rs.4 lakh, the card offers Rs.1500 E-Voucher.
  5. Get up to eight complimentary domestic lounge access (2 every quarter)
  6. Get 10 reward points on Rs.100 spent on pharmacy, dining, and entertainment and two reward points on all other spends.
  7. Get 1% fuel surcharge waived on transactions between Rs.500 to Rs.4,000
  8. Get Priority Pass Membership worth $99 for the first two years.
  9. The card also offers Fraud Liability Insurance and air accident coverage of rs.1 lakh and Rs.50 lakh.
  10. The card also offers other benefits, such as balance transfer on EMI, facility of utility bill payment, Flexipay (convert your transactions in easy monthly installments), add-on cards and global acceptance.

Fees and Charges of SBI Pulse Credit Card

The fees and charges applicable on SBI Pulse credit cards are given below:

Fee Type

Charge

Annual Fee

Rs.1,499 + taxes

Renewal Fee

Rs. 1,499 + taxes

Add-on Fee

Nil

Cash Advance Fee

2.5% of the amount withdrawn or Rs.500 (Domestic and international ATMs)

Finance Charges

3.75% per month or 45% per annum

Payment dishonor fee

2% of the payment amount; minimum of Rs.450

Statement request

Rs.100 per statement (more than 2 months old)

Cash payment fee

Rs.199 to Rs.250

Late payment

  1. From Rs.0 to Rs.500 - Nil
  2. More than Rs.500 up to Rs.1,000 - Rs.400
  3. More than Rs.1,000 up to Rs.10,000 - Rs.750
  4. More than Rs.10,000 up to Rs.25,000 - Rs.950
  5. More than Rs.25,000 up to Rs.50,000 - Rs.1,100
  6. More than Rs.50,000 - Rs.1,300.

Cheque payment fee

Rs.100

Over limit fee

2.5% of the over limit amount; minimum of Rs.600

Rewards redemption fee

Rs.99

Foreign currency transaction

3.50%

Eligibility Criteria for SBI Pulse Card

The general eligibility criteria for SBI credit cards are mentioned below:

  1. The age of the applicant should be between 21 to 70 years.
  2. The applicant should be resident of India.
  3. The applicant must have a good credit score.
  4. Applicants can be either salaried or self-employed and must have a regular source of income.

Note: For details about the eligibility criteria for the SBI Pulse credit card, reach out to the bank.

Documents Required for SBI Pulse Card

The following documents are required for SBI Pulse Card:

  • Valid address proof: Electricity bill (not more than three months old), Income tax return, Aadhar card, etc.
  • Valid identity proof: PAN card, Passport, etc.
  • Valid income proof: Salary slips (not more than three months old), bank passbook records, etc.
  • Duly signed application form.
  • Passport size photographs.

SBI Pulse Credit Card Balance Transfer Facility

The SBI Pulse Card gives its customers the facility to convert the outstanding balance into easy EMIs at a low rate of interest. To avail of this service, the customer is required to log onto sbicard.com with a valid username and password.

How to avail the Balance Transfer on EMI facility?

Follow the steps mentioned below to avail the Balance Transfer on EMI facility:

  1. Step 1: Log into sbicard.com
  2. Step 2: Select the 'Benefits' link on left hand navigation and choose the 'Balance Transfer on EMI' option.
  3. Step 3: Fill in the required details and confirm to book 'Balance Transfer on EMI' option.

Alternatively, you can call up the SBI card helpline at 39 02 02 02 (prefix local STD code) /1860 180 1290 (from BSNL/MTNL lines) and make a request to avail the 'Balance Transfer on EMI' facility. You can also send an SMS BTEMI to 56767 from the registered mobile number.

SBI Pulse Card Flexipay

The SBI Pulse Card gives its customers the 'Flexipay' facility. The 'Flexipay' facility allows the user to convert transactions worth Rs.2,500 or more into easy monthly installments. To avail of this service, the customer is required to log into sbicard.com and convert the transaction into 'Flexipay' within 30 days of purchase.

How to avail the Flexipay facility?

Follow the steps mentioned below to avail the Flexipay facility:

  1. Step 1: Log into sbicard.com
  2. Step 2: Select the 'Flexipay' option from left hand navigation under the ‘Low Interest Option’ that comes under the 'Benefits' section.
  3. Step 3: Select the transaction(s) > Rs.500 you want to convert into Flexipay, select the required details and confirm the booking.

Alternatively, you can call up the SBI card helpline at 39 02 02 02 (prefix local STD code) /1860 180 1290 (from BSNL/MTNL lines) and make a request to avail the 'Flexipay' facility. You can also send an SMS FP to 56767 from the registered mobile number. 

FAQs on SBI Pulse Card

  • Can an add-on card holder avail the Flexipay facility?

    No, the add-on card holder cannot avail the Flexipay facility.

  • Does the contactless transaction amount have a limit?

    Yes, the contactless payment mode allows payment up to Rs.5,000 for a single transaction only. For payments above Rs.5,000, the customer has to swipe the credit card.

  • On availing the 'Balance Transfer on EMI' facility, can I repay the amount before EMI tenure ends?

    Yes, you can repay the amount before the EMI tenure ends. However, a charge of 1.70% per month for a tenure of 180 days and 0% for 60 days on the outstanding principal + GST will be applicable.

  • Can add-on card holder apply for 'Easy Money' service?

    No, the add-on card holder cannot apply for the 'Easy Money' service.

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