State Bank of India
SBI Card Pulse
4.0 / 5visa · mastercard
- Joining fee
- ₹1,499
- Annual fee
- ₹1,499
- Base reward
- 0.5%
- Min income
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Dining | 2.5% | Uncapped |
| Entertainment | 2.5% | Uncapped |
Benefits
- ▸Complimentary Noise smartwatch as welcome gift
- ▸1-year Netmeds First membership (doctor consultations, annual health check-up, lab discounts)
- ▸1-year FITPASS PRO membership
- ▸10 RP per ₹100 on pharmacy, dining, movies and sports (≈2.5% value back)
- ▸2 RP per ₹100 on all other retail spends (≈0.5%)
- ▸1% fuel surcharge waiver (₹500–₹3,000, max ₹100/month)
The good
- + Health and fitness focus: Netmeds First + FITPASS PRO memberships
- + Noise smartwatch welcome gift
- + 2.5% value back on pharmacy, dining, movies and sports
- + Domestic lounge access included
The catch
- − Annual fee of ₹1,499 plus GST
- − Fee waiver needs ₹2 lakh annual spend
- − Base earn rate only 0.5% outside bonus categories
- − Welcome gift value not guaranteed (subject to model availability)