SBI Card PULSE
SBI Card
Annual / renewal fee
₹1,499 (plus applicable taxes).
VerifiedMost Important Terms & Conditions (MITC) - common to all SBI Cards17 Aug 2026, 4:40 PM ISTSBI Card
Earn rate
Confirm on the official page
Official source not yet captured
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You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
Overview
SBI Card PULSE by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹1,499 + taxes.
VerifiedSBI Card PULSE — official product page17 Aug 2026, 4:40 PM ISTSBI Card
Annual / renewal fee
₹1,499 (plus applicable taxes).
VerifiedMost Important Terms & Conditions (MITC) - common to all SBI Cards17 Aug 2026, 4:40 PM ISTSBI Card
Fee waiver
Renewal fee of ₹1,499 waived off on annual spends of ₹2 Lakh or more in the preceding year.
VerifiedMost Important Terms & Conditions (MITC) - common to all SBI Cards17 Aug 2026, 4:40 PM ISTSBI Card
Renewal fee
₹1,499 (Waived off on annual spends of ₹2 Lakh or more in the preceding year).
VerifiedMost Important Terms & Conditions (MITC) - common to all SBI Cards17 Aug 2026, 4:40 PM ISTSBI Card
Rewards
Redemption value
- Rewards Redemption Fee: ₹99 (applicable only on Physical products, Statement Credit & on Vouchers sent physically).
- Reward Points valid for 24 months and forfeited on the last day of the 24th month if not redeemed.
VerifiedMost Important Terms & Conditions (MITC) - common to all SBI Cards17 Aug 2026, 4:40 PM ISTSBI Card
Travel & lounge
Lounge access
Domestic lounge access.
VerifiedSBI Card PULSE product page17 Aug 2026, 4:40 PM ISTSBI Card
Travel benefit
- Loss of Check-in baggage - Cover up to ₹72,000 (US $1,000).
- Delay of check-in baggage - Cover of ₹7,500.
- Loss of travel documents - Cover of up to ₹12,500.
- Delay in flight - Cover of up to ₹7,500.
VerifiedSBI Card PULSE — official product page17 Aug 2026, 4:40 PM ISTSBI Card
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Noise ColorFit Pulse 2 Max Smart Watch worth ₹5,999 as a welcome gift (qualifying spend/window not stated on official source).
VerifiedSBI Card PULSE product page17 Aug 2026, 4:40 PM ISTSBI Card
Dining benefit
- Complimentary 1-year FITPASS PRO Membership on card renewal every year.
- Complimentary 1-year Netmeds First Membership on card renewal every year (both subject to payment of Joining Fee and minimum of one retail transaction).
VerifiedSBI Card PULSE — official product page17 Aug 2026, 4:40 PM ISTSBI Card
Insurance
Fraud Liability Insurance - Cover of ₹1 lakh.
VerifiedSBI Card PULSE — official product page17 Aug 2026, 4:40 PM ISTSBI Card
Milestone benefit
- Waiver of Renewal Fee on annual spends of ₹2 lakhs.
- Get ₹1,500 e-Voucher on annual retail spends of ₹4 lakhs.
VerifiedSBI Card PULSE — official product page17 Aug 2026, 4:40 PM ISTSBI Card
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
- Foreign Currency Transaction Fee: 3.5%.
- Dynamic Currency Conversion Fee: 3.5% (on transactions >= ₹1,000).
VerifiedMost Important Terms & Conditions (MITC) - common to all SBI Cards17 Aug 2026, 4:40 PM ISTSBI Card
Charge
- Cash Advance Fee: 2.5% of transaction amount subject to minimum ₹500 (domestic & international ATMs).
- Finance Charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
- Minimum finance charge ₹25.
- Cash Payment Fee: ₹250 + taxes.
- Payment Dishonor Fee: 2% of payment amount (minimum ₹500).
- Cheque Payment Fee: ₹200.
- Over Limit Fee: 2.5% of overlimit amount (minimum ₹600).
- Late Payment Charges: Nil for ₹0-100.
- ₹100 for >₹100-500.
- ₹500 for >₹500-1,000.
- ₹750 for >₹1,000-10,000.
- ₹950 for >₹10,000-25,000.
- ₹1,100 for >₹25,000-50,000.
- ₹1,300 for >₹50,000.
- Plus additional ₹100 on missing MAD for two consecutive cycles.
- Dynamic Currency Conversion Fee: 3.5%.
- Card Replacement Fee: ₹100-₹250.
- Rent Payment Processing Fee: ₹199 (MCC 6513).
- Utility Payments Fee: 1% if total utility payments exceed ₹50,000 in a billing cycle (w.e.f. 1st Dec 2024).
- Fee on Education Payments via third-party apps: 1% (w.e.f. 1st Nov 2025).
- Fee on Wallet Load exceeding ₹1,000: 1% (w.e.f. 1st Nov 2025).
- Add-on Fee: Nil.
- Rewards Redemption Fee: ₹99.
VerifiedMost Important Terms & Conditions (MITC) - common to all SBI Cards17 Aug 2026, 4:40 PM ISTSBI Card
Fuel surcharge waiver
- 1% fuel surcharge waiver (excluding GST) provided for eligible transaction value on select cards.
- Fuel surcharge is 1% of transaction amount plus applicable taxes.
VerifiedMost Important Terms & Conditions (MITC) - common to all SBI Cards2 Aug 2026, 6:20 AM ISTSBI Card
Interest-free period
20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).
VerifiedMost Important Terms & Conditions (MITC) - common to all SBI Cards17 Aug 2026, 4:40 PM ISTSBI Card
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the SBI Card PULSE?
Officially traced: Rs.1,499 (plus applicable taxes).
Most Important Terms & Conditions (MITC) - common to all SBI CardsWhat is the joining fee on the SBI Card PULSE?
Officially traced: Rs. 1,499 + taxes.
SBI Card PULSE — official product pageIs the SBI Card PULSE annual fee ever waived?
Renewal fee of Rs.1,499 waived off on annual spends of Rs.2 Lakh or more in the preceding year.
Most Important Terms & Conditions (MITC) - common to all SBI CardsWhat lounge access does the SBI Card PULSE include?
Domestic lounge access.
SBI Card PULSE product pageWhat welcome benefit does the SBI Card PULSE offer?
Noise ColorFit Pulse 2 Max Smart Watch worth Rs.5,999 as a welcome gift (qualifying spend/window not stated on official source).
SBI Card PULSE product pageWhat are the transfer ratios for SBI Card PULSE points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.sbicard.com/en/personal/credit-cards/sbi-card-pulse.html.
VerifiedSBI Card PULSE product page17 Aug 2026, 4:40 PM ISTSBI Card
Verified 2026-08-17 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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