SBI Pulse Credit Card Review

To sync with the Indians’ growing interest in fitness, lifestyle, and global exposure, The sbi credit card company has launched the SBI Pulse Credit card. It is a one-of-a-kind credit card that comes with a ColorFit Pulse Smart Watch as a welcome gift. Targeting the huge youth population base of India, SBI has tailored this card with a plethora of healthcare and lifestyle benefits like – complementary FITPASS PRO Membership, big deals on medicines, complimentary priority pass membership, and lots of other useful sbi credit card features. To find more about this card, check the sbi credit card details given below.

SBI Credit Card Eligibility Criteria:

  • Resident Type: Indian
  • For salaried person:
    • Age: 21 to 60 years. 
    • Income: The average monthly income of the applicant should be greater than Rs. 25,000.
  • For self-employed person:
    • Age: 21 to 65 years.
    • Income: The average annual income of the applicant should be greater than Rs. 3 lakh. 
  • A very good CIBIL score (770 or above) will help you to get this card.

If you can fulfill the above-stated SBI credit card requirements, then you can apply for this card from the SBI online application portal. As submit your sbi credit card online application you will get a unique application id, which you can use to check sbi credit card application status from the online sbi credit card tracking page.

Required Documents To Apply For SBI Pulse Card:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

As per the new sbi credit card rules, all new credit cards are delivered in an inactive state, and the users can activate them manually by generating a new sbi credit card PIN. If you want to know how to generate sbi credit card pin then make sure to take a look at the 100xGain faq page

SBI Credit Card Annual Charges:

  • SBI credit card joining fee: Rs. 1499 + GST
  • SBI credit card annual fee: Rs. 1499 + GST

SBI Pulse Credit Card Benefits:

  • A very unique welcome gift to make a healthy start for you:

With your sbi credit card activation and realization of the first-year joining fee, you will receive a noise colorfit pulse smartwatch (worth Rs. 4,999) as a welcome gift. 

  • A powerful SBI credit card reward points scheme:

The SBI Pulse credit card is probably the only card that offers reward points on medicines. The sbi card reward points scheme is specified in the table given below. 

Category of transaction Rate of earning reward points
Spends made on medicine, dining, and movies 10 reward points for every Rs. 100 transaction
Spends made on all other categories 2 reward points for every Rs. 100 transaction. 

You can use your sbi credit reward points to pay your monthly credit card bill, one sbi credit card points value is equal to 25 paise. You can also use your points to get a product from the sbi credit card reward point catalog

The number of reward points you earn in a month will be reflected in your monthly sbi credit card statements. You can also check your sbi credit card statement online from your net banking account, click here to go to the sbi credit card login page.

  • Enjoy free access to airport lounges:

The sbi credit card offers up to 8 free access to most of the domestic lounges (max 2 access per quarter). 

This card also comes with a complimentary priority pass membership for the first 2 years. You can call the sbi credit card customer care number 1860 180 1290/1860 500 1290 or 39020202 to apply for your membership.

  • Stay fit and healthy with complementary healthcare benefits:

You will get a complimentary one-year FITPASS PRO membership and a Netmeds First Membership. The memberships will be renewed every year with the renewal of your card.

  • Earn extra benefits from milestone spending:

You can also earn some extra benefits from your card. The details of this sbi credit card offer are given in the table below.

Spending milestone Benefit
Rs. 2 lakh within a year A complete waiver on next year’s annual fee of sbi credit card
Rs. 4 lakh within a year An e-gift voucher worth Rs. 1500

The gift voucher will be sent to you within 45 days of achieving the milestone. 

As per the new rules, online transactions on new credit cards are turned off to increase security during shipment, but you can turn it on very easily from your sbi card app. If you are curious to know how to activate sbi credit card for online transactions? then take a look at our FAQ page

  • Complimentary insurance coverage protection to support you in unfortunate events:

This card also has complimentary insurance coverage protection. The details are given in the table below.

Particulars  Coverage amount
Death caused by air accidents Rs. 50 lakh
Loss of baggage (checked-in) Rs. 72,000 (or 1000 USD)
Loss/theft of travel documents Rs. 12,500
Delayed baggage (Checked in) Rs. 7,500
Damaged baggage Rs. 5000
Fraud liability coverage Rs. 1 lakh
  • Advanced contactless payment facility:

SBI has equipped this card with the new and improved contactless sbi card payment facility, it allows you to make payments just by placing your card over any POS machine that accepts contactless payments.

Due to security reasons, the contactless sbi bank credit card payment method is limited to Rs. 2000 per transaction, you can also set your own limit for the contactless feature from the sbi credit card online banking account.

  • Convenient SBI credit card payment options:

You can pay sbi credit card bill online from your net banking account or from any credit card payment app like Cred, Google pay, Paytm, etc. But if you don’t have access to those online sbi credit card bill payment options then you can make your sbi credit card payment through neft, cheque, or from your nearby SBI branch.

  • Get more security with built-in EMV Chip:

This card comes with a built-in EMV chip, it stores your credit card details with a secure encryption method which makes your card nearly impossible to skim or clone. 

SBI Credit Card Charges:

Particulars Payable amount
Cash withdrawal charges on SBI credit card 2.5% against the transaction amount, min Rs. 500 (applicable once per withdrawal, also check your SBI credit card cash withdrawal limit before making a withdrawal)
SBI credit card finance charges The SBI credit card rate of interest can go up to 3.5% monthly or 42% annually
Foreign currency conversion charge 3.5% against the transaction amount (applicable once per transaction)
Add on credit card fee None

Click here if you are interested in the sbi credit card terms and conditions.

How To Contact SBI Credit Card Customer Service:

  • Call the SBI credit card customers care numbers: 1860-180-1290 / 022-3902-0202 or 1860-180-7777
  • Write to the SBI credit card customer care email id: customercare@sbicard.com 

If you want to know how to file a dispute against any suspicious or unauthorized transactions then make sure to take a look at the 100xGain faq page. The sbi credit card dispute settlement process is already discussed there in a very easy way.

100xGain Ratings: 

8/10

Pros and Cons SBI Pulse Credit Card:

Pros  Cons
  • This card offers several lifestyles and fitness-related offers which make it the best SBI credit card for fitness lovers.
  • There is a SBI credit card annual fee waiver offer that can make your SBI credit card lifetime free.
  • This card offers free access to airport lounges and a complimentary priority pass membership.
  • There is nothing offered in the entertainment and dining categories.

Final Opinion:

If you are a fitness enthusiast and looking for a card that can sync with your lifestyle, then this card will be a solid choice for you. The feature I like the most is the ability to earn reward points from medicines and entertainment categories, and the free annual membership of FITPASS PRO. This card also offers free airport lounge access and priority pass membership. So if you can fulfill the previously-stated sbi credit card requirements then hurry up and grab this card, before SBI realizes they are giving away more than it costs. 

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