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SBI Card PULSE Review

by orbinside

SBI Card PULSE – A Credit Card for Medical Savings

SBI Card PULSE offers a lot of privileges ranging from Multiple Fitness & Pharmacy Memberships to Lounge Program. It compliments its customers with range of privileges services and milestones rewards which anyone may not get anywhere else.

Now we will explain you the features, rewards and privileges you would be entitle to with this Card.

Welcome Gifts

Upon receipt of Card Joining Fee, Customer will be entitled for Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999.

  • E-voucher will be received on you registered mobile and email address with 45 days from the eligibility calculation.
  • Vouchers can be redeemed at the Noise Website or App for NOISE ColorFit Pulse 2 Max Smartwatch.

Health Rewards

  • 1 Year complementary FITPASS PRO Membership, to be received every year, on card renewal.
  • 1 Year complementary Netmeds First Membership, to be received every year, on card renewal.
  • Both Memberships are subject to joining fee payment and min. 1 retail transaction.

Lounge Benefits

  • 8 Complementary Domestic Lounge Access Visits (Restricted upto 2 per quarter).
  • Complimentary Priority Pass Membership worth US $99 for first two years of cardholder membership.

Comprehensive Insurance Cover

  • Fraud Liability Insurance Cover upto Rs. 1,00,000.
  • Air Accidental Cover of Rs. 50,00,000.
  • Loss of check-in baggage upto Rs. 72,000 (1000 USD)
  • Delay of check-in baggage Rs. 7,500.
  • Loss of Travel documents upto Rs. 12,500.
  • Baggage Damage-Cover up to Rs. 5,000.


PULSE Rewards Program

Standard Rewards

  • 10 Rewards Points per Rs. 100 on Chemist, Pharmacy, Dining and Movie Spends.
  • 2 Rewards Points per Rs. 100 on all other spends.

Milestone Rewards

  • Rs. 1,500 NETMEDS E-voucher on spending Rs. 4,00,000 in the anniversary year.
  • Also, spends based annual fee reversal on Rs. 2,00,000 in the anniversary year.

Other Privileges

  • 1% Fuel Surcharge Waiver across all petrol pumps. Government Tax will be as applicable. Rs. 250 Maximum Waiver allowed per month, per statement cycle.

You will be getting all these privileges for an annual fee of  Rs. 1499 + Taxes and Renewal fee of Rs. Rs. 1499 + Taxes every year. Please visit sbicard website for further details. Rewards Redemption Value is Rs. 1 for every 4 rewards earned.


Salient Reviews of the Card

  • Rewards Redemption is good. Customer will get minimum 50 Paisa for every Rs. 100 spend on card. if customer spends Rs. 4,00,000 at basic redemption transactions then, he will get Rs. 10,998 worth Benefits including Rewards Points + annual fee reversal worth Rs. 4,999 + Taxes + Health Smart Watch worth Rs. 5000 first year. Customer will save or get to spend spends additionally second year onwards, total minimum Rs. 4,999 upon spending Rs. 4,00,000 which will give him 1.25% return on his spendings. Hence, Its Minimum ROS – Return on Spending is 1.25% on Rs. 4,00,000 + Medical Benefits. Its a great way to alternate saving while you spend.
  • It makes perfect sense to apply the card for everyone considering current rate of medical expenses.


Card Rating

  • People Card 
  • ROS – Return On Spending
  • Medical Card

if you like the card and found perfect for you, Please click here to apply. 

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