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SBI Card Pulse

India's first health & wellness credit card — fitness, pharma & movie rewards

Health CardFitnessPharmacyLifestyle
Apply Now — Official SBI Card Site ↗
Joining Fee
₹1,499 + GST
Annual Fee
₹1,499 + GST
Reward Rate
10 RP/₹100 pharmacy/chemist/movies/dining; 2 RP/₹100 others
Lounge Access
4 domestic per year
Forex Markup
3.5%
Fuel Waiver
1% surcharge waiver
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Key Features & Benefits
  • 10 Reward Points per ₹100 on pharmacy, chemist, movies & dining (2.5% rate)
  • 2 Reward Points per ₹100 on all other eligible retail spends
  • Complimentary Noise ColorFit Pulse Smart Watch (worth ₹5,000) as welcome gift
  • Complimentary Fitpass Pro annual membership (access to 5,500+ gyms/yoga studios)
  • Complimentary Netmeds First annual membership (healthcare + pharmacy discounts)
  • 4 complimentary domestic lounge visits per year
  • Annual fee waiver on ₹2L annual spend
  • 1% fuel surcharge waiver
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Welcome & Joining Benefits
  • Noise ColorFit Pulse Smart Watch worth ₹5,000 on joining
  • Complimentary Fitpass Pro membership (1 year) on fee payment
  • Complimentary Netmeds First membership (1 year) on fee payment
Milestone Benefits
  • ₹2L annual spend → ₹1,499 annual fee waived
Pros & Cons

✓ Advantages

  • ₹5,000 smart watch as welcome gift — covers 3+ years of annual fee value
  • Fitpass Pro + Netmeds together worth ₹5,000+/year in subscriptions
  • 10X on pharmacy/chemist — unique; great for families with healthcare expenses
  • 4 lounge visits at ₹1,499 fee — excellent value
  • Annual fee waived at ₹2L spend

✗ Disadvantages

  • Best benefits tied to health/wellness ecosystem
  • 10X limited to pharmacy + movies + dining only
  • 3.5% forex
  • Smart watch model may change from year to year
Frequently Asked Questions
Is the Noise smart watch still the welcome gift?
The smart watch was the launch welcome benefit. SBI may update this — verify the current welcome gift on sbicard.com before applying.
What is Fitpass Pro?
Fitpass Pro gives unlimited access to 5,500+ fitness centers, gyms, yoga studios, and swimming pools across India. Normally priced at ₹1,999–₹2,999/year, it's complimentary with SBI Pulse.
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