The SBI Pulse Credit Card is a lifestyle-focused credit card designed for individuals who want to combine fitness with financial benefits. It stands out by offering complimentary gym membership, healthcare perks, and reward points on everyday spending.
Overview of SBI Pulse Credit Card
With an annual fee of around ₹1,499, this card is ideal for users who frequently spend on dining, entertainment, and wellness services. It is especially popular among young professionals who want value beyond just cashback and rewards.
Free Gym & Health Membership Benefits
One of the biggest highlights of the SBI Pulse Credit Card is its complimentary fitness membership. Cardholders get access to FITPASS PRO, allowing entry to multiple gyms and fitness centers across India.
Additionally, the card offers Netmeds First membership, which includes:
- Doctor Consultations: Free online doctor consultations
- Medicine Discounts: Savings on medicines and health checkups
- Fast Delivery: Priority delivery on healthcare products
Welcome Benefits
On joining, users often receive a fitness-focused welcome gift such as a smartwatch (like Noise ColorFit). This aligns perfectly with the card’s health-centric approach and adds immediate value.
Reward Points Structure
The card offers accelerated rewards on lifestyle spending categories:
- 10X Rewards: On dining, movies, chemists, and pharmacies
- Regular Rewards: 2 points per ₹100 on other spends
These reward points can be redeemed for vouchers, merchandise, or statement credit.
Travel & Lounge Benefits
Apart from lifestyle benefits, the card also provides travel perks:
- 8 complimentary domestic airport lounge visits per year
- Complimentary Priority Pass membership for international lounge access
Insurance & Security Benefits
Cardholders also get multiple protection benefits:
- Air accident cover up to ₹50 lakh
- Fraud liability cover up to ₹1 lakh
- Coverage for baggage loss or delay
Fuel & Additional Benefits
- 1% fuel surcharge waiver on eligible transactions
- Contactless payments for fast transactions
- EMI & Flexipay options on large purchases
Who Should Apply?
- Fitness enthusiasts who go to the gym regularly
- Users spending on dining and entertainment
- People looking for a wellness-focused credit card
Final Verdict
The SBI Pulse Credit Card is more than just a rewards card—it’s a lifestyle upgrade. With free gym membership, healthcare benefits, and strong rewards, it delivers excellent value for users who prioritize both fitness and smart spending.
