State Bank of IndiaSBI Card Pulse
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State Bank of India
SBI Card Pulse
4.0Best for dining out
Lounge access
- Joining fee
- ₹1,499
- Annual fee
- ₹1,499
- Welcome bonus
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income
- —
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Dining 10 RP per ₹100 on chemist/pharmacy, dining, movie and sports spends. 1 RP ≈ ₹0.25 = 2.5% value back | 2.5% | — | ₹3,000 |
Entertainment 10 RP per ₹100 on movie and sports goods spends = 2.5% value back | 2.5% | — | ₹3,000 |
| All other spends | 0.5% | — | ₹600 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
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)
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)
Compare with similar cards
- Top reward
- 0.5%
- Annual fee
- ₹4,999
- Welcome bonus
- ₹5,000 value
- Top reward
- 5%
- Annual fee
- ₹999
State Bank of IndiaBPCL SBI Card Octane
- Top reward
- 7.25%
- Annual fee
- ₹1,499
- Welcome bonus
- ₹1,500 value