Pulse SBI Card Review: An In-Depth Analysis of Its Benefits and Features

The Pulse SBI Card, offered by State Bank of India (SBI), is a premium credit card that comes with a host of exciting benefits and features. In this comprehensive review, we will delve into the various aspects of the card, including its rewards program, complimentary memberships, insurance coverage, and more. By the end of this essay, you will have a clear understanding of whether the Pulse SBI Card is the right fit for your financial needs and lifestyle.

Welcome Offer:

One of the standout features of the Pulse SBI Card is the attractive welcome offer. Cardholders can avail themselves of a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 upon payment of the joining fee. This initial benefit adds significant value to the card and can be a compelling reason to choose it over other credit cards.

Complimentary FITPASS PRO Membership and Netmeds:

The Pulse SBI Card provides cardholders with a 1-year complimentary FITPASS PRO Membership and Netmeds on card renewal every year. This feature is especially valuable for fitness enthusiasts and those who require regular medical purchases. We will explore the terms and conditions of these memberships and their overall utility for the cardholders.

Reward Points Program:

Earning reward points is an essential aspect of any credit card, and the Pulse SBI Card offers an enticing rewards program. Cardholders can earn 10 reward points for every Rs. 100 spent on Chemist, Pharmacy, Dining, and Movies spends. Additionally, they can earn 2 reward points for every Rs. 100 spent on all other expenses. We will calculate the potential rewards based on different spending patterns to assess the true value of this rewards program.

Annual Retail Spends Voucher:

A notable incentive for high spenders is the Rs. 1500 E-Voucher, which can be obtained by achieving annual retail spends of Rs. 4 lakhs. We will discuss the redemption process, eligible expenses, and the overall feasibility of reaching this spending threshold.

Insurance Coverage:

The Pulse SBI Card comes with two critical insurance benefits: Air Accident Cover of Rs. 50 lakhs and Fraud Liability Insurance Cover of Rs. 1 lakh. We will examine the coverage details, claim process, and how cardholders can benefit from these insurance provisions.

Lounge Access and Priority Pass Membership:

Cardholders of the Pulse SBI Card can enjoy complimentary access to domestic airport lounges, adding a touch of luxury and comfort to their travel experiences. Moreover, for the first two years of card membership, they receive a complimentary Priority Pass Membership worth US $99. We will explore the lounges’ locations, terms of access, and the value of the Priority Pass Membership for frequent travelers.

Fees and Charges:

While the Pulse SBI Card offers numerous benefits, it is essential to evaluate the associated fees and charges. We will review the annual fee, interest rates, late payment charges, and any other fees cardholders should be aware of before applying for the card.


The Pulse SBI Card offers a range of exclusive benefits, from the welcome offer to the reward points program, insurance coverage, and complimentary memberships. This detailed review has highlighted the strengths and potential drawbacks of the card, enabling you to make an informed decision. Whether you are a frequent traveler, fitness enthusiast, or simply seeking valuable rewards, the Pulse SBI Card may be an excellent addition to your wallet. As with any financial product, it is crucial to assess your individual needs and spending habits to determine if this card aligns with your lifestyle and financial goals.

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