SBI Card PULSE

Renewal feeJoining fee

₹1,499 + GST₹1,499 + taxes from second year onwards, per annum

Fee waiver rule

Renewal Fee is reversed if annual spends for last year >= ₹2,00,000.

Add-on card fee

₹0

Welcome benefit

Get a Noise ColorFit Pulse 4 Pro Smart Watch worth ₹7,999 on payment of Joining Fee.

Reward rate

2 Reward Points per ₹100 · everyday spends2 Reward Points per ₹100 on all other spends.

Reward earning on dining spends

10 Reward Points per ₹100 spent on Dining.

Reward exclusions

Any purchases at petrol pumps/service stations.

Reward caps

Reward Points on accelerated categories as defined in section 11 of Terms and Conditions, will be subject to a capping of 7,500 Reward Points per calendar month

What one reward unit is worth

Reward Points value: 4 Reward Points = ₹1.

Catalogue redemption

Redeem Reward Points against a host of options from the Reward Catalogue.

Statement-credit redemption

Pay card outstanding with Reward Points; 4 Reward Points = ₹1.

Point expiry

Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month

Domestic lounge access

Complimentary 4 Domestic Lounge visits every year (restricted to 1 per quarter)

Priority Pass

Complimentary Priority Pass Membership worth US $99 for first two years.

Milestone benefits

Get ₹1,500 e-Voucher on annual retail spends of ₹4 lakhs.

Renewal benefit

Complimentary 1-year FITPASS PRO Membership on card renewal every year.

Benefit given each anniversary year

Complimentary 1-year Netmeds First Membership on card renewal every year.

Fuel surcharge waiver

Enjoy a 1% fuel surcharge waiver on every transaction between ₹500 and ₹4,000 at all petrol pumps across India.

Lost card liability

Fraud Liability Insurance Cover of ₹1 lakh.

Travel insurance

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

Add-on card eligibility

Add-on cards for your parents, spouse, children or siblings above the age of 18.

Balance transfer terms

Transfer outstanding balances of other banks' credit cards at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

Convert eligible purchases into easy monthly EMIs.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%

Cash advance fee

2.5% or ₹500 whichever is higher (domestic & international ATMs)

Cash withdrawal limit

₹15,000 per day on ATM Withdrawals, subject to Cash Advance Limit availability

Interest on unpaid balance

3.75% p.m. (45% p.a.) for unsecured cards.

Interest-free period

20-50 days interest-free when you pay in full.

Late payment fee

From Nil (amount due ₹0 to ₹100) to ₹1,300 (amount due above ₹50,000)

Over-limit fee

2.5% of Overlimit Amount (subject to a minimum of ₹600). Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund.

Payment return or dishonour fee

2% of Payment amount (subject to a minimum of ₹500)

Statement or duplicate statement fee

Duplicate monthly statements are provided only for a period of six months preceding the request and are subject to a service charge

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250

Charge for lounge visits beyond the free limit

USD 27 + applicable taxes per Priority Pass visit

Cheque payment / dishonour fee

Cheque Payment Fee: ₹200 plus applicable taxes

Education / school fee charge

Fee on Education Payments^ : W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500) at International ATMs

Reward redemption fee

Rewards Redemption Fee: ₹99+ applicable taxes.

Wallet load charge

Fee on Wallet Load^^^ : W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

Rent transaction fee

₹199 processing fee on all rent payment transactions.

Utility transaction fee

If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that billing cycle.

GST note

All taxes would be charged as applicable on all the above Fees, Interest & Charges

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

Minimum Amount Due shall be 100% of GST + 100% of EMI amount + 100% of Fees/Charges +100% of finance charges+ Overlimit Amount (if any) + 2% of remaining balance outstanding.

Minimum age

Minimum 21 years