State Bank of IndiaSBI Card Pulse

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State Bank of India

SBI Card Pulse

4.0Best for dining out

Lounge accessVerifying

Joining fee incl. GST: ₹1,769
Renewal fee incl. GST: ₹1,769
Conditional welcome value: —
Forex markup: 3.5%
Interest p.a.: 45%
Min income (salaried): —

Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. On payment of joining fee

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

Membership redemption, annual voucher qualification and current lounge conditions require full offer/variant confirmation. Watch price is not treated as cash value.

Spend category	Reward rate	Reward limit
Dining 10 RP per ₹100 on qualifying pharmacy, dining, movies and sports merchants; shared 7,500 RP/month (₹1,875), then 2 RP per ₹100.	2.5%	₹1,875 shared reward / monthThen 0.5% on eligible excess
Entertainment Only the qualifying merchants or payment route below 10 RP per ₹100 on qualifying pharmacy, dining, movies and sports merchants; shared 7,500 RP/month (₹1,875), then 2 RP per ₹100.	2.5%	₹1,875 shared reward / monthThen 0.5% on eligible excess
Selected merchants Only the qualifying merchants or payment route below 10 RP per ₹100 on qualifying pharmacy, dining, movies and sports merchants; shared 7,500 RP/month (₹1,875), then 2 RP per ₹100.	2.5%	₹1,875 shared reward / monthThen 0.5% on eligible excess
Other eligible purchases	0.5%	—

Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

Fees & charges

Joining fee₹1,499

Annual fee₹1,499

Annual fee waiverAnnual fee reversed on annual spends of ₹2,00,000 or more in the previous year

Foreign currency markup3.5%

Finance charge (p.a.)45%

Fuel surcharge waiver1%, up to ₹100/mo

Spend milestones

Annual spend	Benefit	Value
₹4,00,000	Netmeds e-gift voucher worth ₹1,500 on annual spends of ₹4,00,000	₹1,500

Key benefits

Airport lounge access — 1/quarter domestic (4 complimentary domestic airport lounge visits per year, max 1 per quarter)
Complimentary Noise smartwatch as welcome gift
1-year Netmeds First membership (doctor consultations, annual health check-up, lab discounts)
1-year FITPASS PRO membership
10 RP per ₹100 on pharmacy, dining, movies and sports (≈2.5% value back)
2 RP per ₹100 on all other retail spends (≈0.5%)
1% fuel surcharge waiver (₹500–₹3,000, max ₹100/month)
10 RP per ₹100 on qualifying pharmacy, dining, movies and sports merchants; shared 7,500 RP/month (₹1,875), then 2 RP per ₹100.
For cards eligible for statement-credit redemption, SBI requires blocks of 4,000 points from 1 April 2026 and caps redemption at 60,000 points/month. This is separate from earning; redemption fees and unused balances reduce realised value.

What we like

+Health and fitness focus: Netmeds First + FITPASS PRO memberships
+Noise smartwatch welcome gift
+2.5% value back on pharmacy, dining, movies and sports
+Domestic lounge access included

What to watch

−Annual fee of ₹1,499 plus GST
−Fee waiver needs ₹2 lakh annual spend
−Base earn rate only 0.5% outside bonus categories
−Welcome gift value not guaranteed (subject to model availability)

Eligibility

Age 21–70

Income/credit eligibility per SBI Card internal approval criteria; SBI does not publish a fixed minimum income

Check State Bank of India's current criteria and the source notes. Meeting a published minimum is not approval — the issuer decides every application on its own criteria, including your credit history. How we source this