State Bank of India
SBI Card PULSE
Data last verified: 11 October 2026
- Joining fee₹1,499 + GST
- Annual fee₹1,499 + GST
- Reward rate0.5% base, up to 2.5% on dining
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹1,499 + GST
- Annual fee₹1,499 + GST
- Fee waiverOn ₹2 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
01SBI Card PULSE Rewards and Benefits
02SBI Card PULSE Annual Fee and Charges
- Joining fee
- ₹1,499 + GST
- Annual fee
- ₹1,499 + GST
- Spend-based waiver
- Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 2.5%₹125
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Dining: 2.5% back, up to ₹1,875 a month
- Spending ₹16,667 or more a month: the ₹1,769 fee is waived
- Flyers: 4 airport lounge visits a year
Skip it if…
- you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on dining: the 2.5% rate applies only there, everything else earns 0.5%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How SBI Card PULSE earns Rewards
0.5% base, up to 2.5% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.5% | No cap | The card's normal rate |
| Dining and food delivery | 2.5% | ₹1,875 | All merchants in the categoryTerms: 10 reward points per ₹100 (2.5%) on dining, movies, sports, chemist and pharmacy spends (1 point = ₹0.25). SBI caps accelerated points at 7,500 a calendar month across all of those categories together |
| Groceries | 0.5% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.5% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.5% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.5% | No cap | The card's normal rate |
| School and college fees | 0.5% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 2 reward points per ₹100 on all other eligible spends
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05SBI Card PULSE Lounge Access and Travel
Domestic lounge access is 4 visits a year, through Priority Pass with Priority Pass. 4 complimentary domestic airport lounge visits a year (1 per quarter), with no spend condition, plus a complimentary Priority Pass membership worth $99 for the first two years, the membership only, international visits are paid. Spending abroad carries a 3.5% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. ott subscription, insurance cover, airport lounge access, milestone bonuses.
- OTT subscription: Complimentary FITPASS PRO and Netmeds First memberships, renewed each year on card renewal, both conditional on paying the fee and making at least one retail transaction
- Insurance cover: Fraud liability cover ₹1 lakh, lost check-in baggage up to ₹72,000, baggage delay ₹7,500, lost travel documents up to ₹12,500 and flight delay up to ₹7,500
- Milestone bonuses: ₹1,500 e-voucher on ₹4 lakh of annual retail spend
06SBI Card PULSE Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR)
07Recent Changes
What State Bank of India changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 10 Jan 2026 | Reduced: Domestic lounge visits halvedSource: State Bank of India | 8 per year (max 2 per quarter) | 4 per year (max 1 per quarter) |
| 15 Jul 2025 | Reduced: Complimentary air accident cover withdrawnSource: State Bank of India | ₹50 lakh cover | None |
| 1 Dec 2024 | Reduced: Digital gaming spends stop earningSource: State Bank of India | Reward Points earned | No Reward Points on MCC 5816, 7993, 7994 |
| 15 Dec 2021 | Changed: SBI Card PULSE launched | - | - |
See this card's change history → · All card changes in January 2026 →
08Cards Similar to SBI Card PULSE
SBI Card PULSE is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | SBI Card PULSE |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹1,499 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹1,499 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.5% base, up to 2.5% on dining | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 4 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the joining fee for the SBI Card PULSE?
The joining fee is ₹1,499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the SBI Card PULSE?
The annual fee is ₹1,499 + GST.
Does the SBI Card PULSE give airport lounge access?
Yes. Domestic lounge access is 4 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
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