SBI Card PULSE credit card
Fitness card: Noise smartwatch welcome, 10X on pharmacy, dining and movies, Fitpass Pro.
Source: SBI Card – SBI Card PULSE product page · last reviewed 2026-09-12
Why it fits – and what to watch
hover any tile for the detail! Not a RuPay card – your UPI QR spends cannot go on it.
Where the money comes from
₹2,610/yr · 0.8%UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
- How ₹2,610/yr is calculated
- SBI Card PULSE
- + Reward value on your spendat ₹0.25/SBI Reward Points realistic value
- ₹2,250
- + Fuel surcharge waiver1% up to ₹250/month
- ₹360
- + Annual fee incl. 18% GSTwaived – ₹1,769 at ₹2,00,000 spend
- ₹0
- = Recurring net savings
- ₹2,610/yr
- ÷ card spend counted UPI-only rupees excluded on non-RuPay cards
- ₹3,26,640
- = Effective savings rate
- 0.8%
How the score of 48 is built
weights total 100% · methodologyAirport lounges with this card
Open Lounge Finder →How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 4 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
- ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
- ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
- ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
- ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
- ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
- ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
- ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
- ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
- ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
- ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
+ 30 more airports in the Lounge Finder.
What changed on this card
- Policy changeSBI Card
SBI Card reward points: statement-credit redemption in blocks of 4,000, max 60,000 a month
Reward points on SBI cards can be redeemed as statement credit only in multiples of 4,000 points and up to 60,000 points per card per calendar month. Small balances therefore sit unredeemed for longer; the realistic point value CardLens uses is unchanged.
Card facts
At a glance
- Smartwatch in year one
- Lounge access
- Fitness membership
- 0.5% base
- Points worth ₹0.25
- Waiver at ₹2L
Community Q&A on the SBI Card PULSE
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the SBI Card PULSE?
Joining fee ₹1,499 and renewal fee ₹1,499, plus 18% GST (₹1,769 a year). The renewal fee is waived if you spend ₹2,00,000 in the card year.
Does the SBI Card PULSE give airport lounge access?
8 domestic/yr. 8 domestic per year.
How much can I save with the SBI Card PULSE?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹2,610 a year, an effective savings rate of 0.8% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the SBI Card PULSE's reward exclusions and caps?
No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: SBI Card PULSE lounge access by airport · all SBI Card cards · change log.