What is the reward rate on the SBI Card PULSE?

You earn 10 points per ₹100 on Chemist, Pharmacy, Sports, Dining and Movies. Everything else earns 2 points per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 1000 points, roughly ₹250, which is about 2.5% back. The accelerated rate stops after ₹1,875 of spend in a month. Fuel earn nothing at all.

Does the SBI Card PULSE give free airport lounge access?

The SBI Card PULSE gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. International lounge visits are capped at 2 a year. There is no prior spend requirement on paper, though SBI Card has been moving cards to spend linked access, so confirm before you rely on it at the airport.

What changed on the SBI Card PULSE recently and is it still worth it in 2026?

Air/rail accident insurance discontinued (Aug 2025); lounge tightened (Jan 10, 2026). The changes are dated Jul 2025; Jan 2026. At ₹2L of yearly spend the card returns roughly ₹2,000 at its general rate of about 1%, against a ₹1,499 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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Card Details

6907 3806 2663 8874

SBI Card PULSE

SBIVISA, MASTERCARD

Monzy Score

7/ 10

Good for diners and foodies.

~2.5% back on top spends; thin rewards outside its core category; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹1,499

Annual Fee

₹1,499

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Neelkanth: Up to ₹6500 Instant Discount
Exclusive Discounts · till 12 Sep 2026
Pai-International: Up to Rs 16000 Instant Discount at PAI International
Exclusive Discounts · till 13 Sep 2026
Pittappillil: Up to Rs 10000 Instant Discount at Pittappilill Agencies
Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026

Earn Points

10 RP/₹100

Rewards on movies, dining, pharmacy & chemist

2 RP/₹100

Reward Points on all other spends

Benefits

Shopping

10 Pts/₹100 Chemist, Pharmacy, Sports, Dining,…

Wellness-focused spending perks
Accelerated value-back on chemist and pharmacy transactions
Complimentary FITPASS PRO and Netmeds memberships
Value-back percentage not disclosed

Lounges

4 domestic lounge visits/year

Airport comfort perks
Includes domestic lounge access
Number of visits not specified

Protection

Renewal fee waived on ₹2 lakh annual spends

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, cash advance

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Movies, dining, chemist & pharmacy

cap 7500RP=1875

₹750

Other spends

2RP/100

₹0

Total Annual Return

₹9,000

2.5% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

SBI Card PULSEPOSITIVE

“Appreciation Post: SBI Pulse Credit Card – Totally Worth It!”

by r/CreditCardsIndia, Jul 2025

SBI Card PULSEPOSITIVE

“SBI PULSE worth it?”

by r/CreditCardsIndia, Jul 2026

SBI Card PULSENEUTRAL

“Got Sbi Pulse cc, 3rd cc in sbi”

by r/IndianCreditCards, Apr 2026

SBI Card PULSENEUTRAL

“Missed Spend Target on SBI Pulse Card by ₹14K, Can I”

by r/CreditCardsIndia, Aug 2025

SBI Card PULSENEUTRAL

“Needed Info about SBI pulse”

by r/CreditCardsIndia, Aug 2025

Frequently Asked Questions

The SBI Card PULSE charges ₹1,499 plus GST as a joining fee and the same ₹1,499 again at renewal. SBI Card waives the renewal fee if you spend ₹2L in the previous year, which is about ₹16,667 a month. If your card spend sits below that, treat ₹1,499 as a real yearly cost that your rewards have to clear first.

Things to Keep in Mind

FITPASS PRO and Netmeds First memberships are subject to payment of joining fee and at least one retail transaction.

Renewal fee is reversed if annual spends in the last year are ≥ ₹2,00,000.

←

Card Details

6907 3806 2663 8874

SBI Card PULSE

SBIVISA, MASTERCARD

Monzy Score

7/ 10

Good for diners and foodies.

~2.5% back on top spends; thin rewards outside its core category; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹1,499

Annual Fee

₹1,499

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Earn Points

10 RP/₹100

Rewards on movies, dining, pharmacy & chemist

2 RP/₹100

Reward Points on all other spends

Benefits

Shopping

10 Pts/₹100 Chemist, Pharmacy, Sports, Dining,…

Wellness-focused spending perks
Accelerated value-back on chemist and pharmacy transactions
Complimentary FITPASS PRO and Netmeds memberships
Value-back percentage not disclosed

Lounges

4 domestic lounge visits/year

Airport comfort perks
Includes domestic lounge access
Number of visits not specified

Protection

Renewal fee waived on ₹2 lakh annual spends

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, cash advance

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Movies, dining, chemist & pharmacy

cap 7500RP=1875

₹750

Other spends

2RP/100

₹0

Total Annual Return

₹9,000

2.5% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

SBI Card PULSEPOSITIVE

“Appreciation Post: SBI Pulse Credit Card – Totally Worth It!”

by r/CreditCardsIndia, Jul 2025

SBI Card PULSEPOSITIVE

“SBI PULSE worth it?”

by r/CreditCardsIndia, Jul 2026

SBI Card PULSENEUTRAL

“Got Sbi Pulse cc, 3rd cc in sbi”

by r/IndianCreditCards, Apr 2026

SBI Card PULSENEUTRAL

“Missed Spend Target on SBI Pulse Card by ₹14K, Can I”

by r/CreditCardsIndia, Aug 2025

SBI Card PULSENEUTRAL

“Needed Info about SBI pulse”

by r/CreditCardsIndia, Aug 2025

Frequently Asked Questions

Things to Keep in Mind

FITPASS PRO and Netmeds First memberships are subject to payment of joining fee and at least one retail transaction.

Renewal fee is reversed if annual spends in the last year are ≥ ₹2,00,000.

←

Card Details

6907 3806 2663 8874

SBI Card PULSE

SBIVISA, MASTERCARD

Monzy Score

7/ 10

Good for diners and foodies.

~2.5% back on top spends; thin rewards outside its core category; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹1,499

Annual Fee

₹1,499

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Earn Points

10 RP/₹100

Rewards on movies, dining, pharmacy & chemist

2 RP/₹100

Reward Points on all other spends

Benefits

Shopping

10 Pts/₹100 Chemist, Pharmacy, Sports, Dining,…

Wellness-focused spending perks
Accelerated value-back on chemist and pharmacy transactions
Complimentary FITPASS PRO and Netmeds memberships
Value-back percentage not disclosed

Lounges

4 domestic lounge visits/year

Airport comfort perks
Includes domestic lounge access
Number of visits not specified

Protection

Renewal fee waived on ₹2 lakh annual spends

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, cash advance

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Movies, dining, chemist & pharmacy

cap 7500RP=1875

₹750

Other spends

2RP/100

₹0

Total Annual Return

₹9,000

2.5% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

SBI Card PULSEPOSITIVE

“Appreciation Post: SBI Pulse Credit Card – Totally Worth It!”

by r/CreditCardsIndia, Jul 2025

SBI Card PULSEPOSITIVE

“SBI PULSE worth it?”

by r/CreditCardsIndia, Jul 2026

SBI Card PULSENEUTRAL

“Got Sbi Pulse cc, 3rd cc in sbi”

by r/IndianCreditCards, Apr 2026

SBI Card PULSENEUTRAL

“Missed Spend Target on SBI Pulse Card by ₹14K, Can I”

by r/CreditCardsIndia, Aug 2025

SBI Card PULSENEUTRAL

“Needed Info about SBI pulse”

by r/CreditCardsIndia, Aug 2025

Frequently Asked Questions

Things to Keep in Mind

FITPASS PRO and Netmeds First memberships are subject to payment of joining fee and at least one retail transaction.

Renewal fee is reversed if annual spends in the last year are ≥ ₹2,00,000.