SBI Pulse Credit Card: A Deep Dive into Perks, Rewards, and Exclusive Features
As we all know, SBI is a leading card issuer in India, providing credit cards with benefits across varied categories. Each and every card is focused on the unique needs of individuals, such as shopping, lifestyle, travel, movies, grocery, etc. Some of the SBI credit cards are SBI Simply Click, SBI Simply Save Credit Card, SBI Prime Credit Card, SBI Card Elite, and many more. In this article, we will be discussing the SBI Pulse Credit Card. Firstly, let us know why we should get this card.
Why Should You Get an SBI Pulse Credit Card?
You should opt for this credit card if you are:
- A health or fitness freak.
- If you are looking for a card that offers benefits related to health and entertainment,
- It also offers lounge benefits, which can make travel easy and convenient.
- You can also get air accident and fraud liability insurance coverage.
- But this card is not suited if you are looking for lifestyle benefits or a high reward rate on categories other than health and wellness.
Features and Benefits
Mentioned below are the features and benefits of the SBI Pulse Credit Card:
- Get a complimentary Noise Color Fit Pulse Smart Watch worth INR 5,999 within 45 days of payment of joining fees.
- All the benefits can be availed only if joining fees are paid on time and at least one retail transaction is made using a credit card.
- Get a complimentary membership of Fit Pass Pro to enjoy:
- Access to more than 4000 gyms and fitness studios.
- Access to physical or online fitness sessions.
- Personal nutritionist and exclusive AI-led fitness coaching sessions.
- Get a complimentary membership of NetMeds, and get ready to enjoy:
- Unlimited doctor consultations online.
- Basic health check-ups every year.
- Complimentary 2.5% NMS cash up to INR 1000 on prepaid orders.
- Additional discounts of 5% on pathology tests.
- Get free deliveries.
- Get a Netmeds e-gift voucher worth INR 1500 when more than INR 4 lakhs are spent in an anniversary year.
- Get a waiver on renewal fees when INR 2 lakhs or more are spent in an anniversary year.
- Get access to 8 domestic airport lounges every year, with a maximum of up to 2 lounge visits every quarter.
- Get a priority pass membership for the first 2 years.
- Get a waiver of 1% for transactions below INR 4000, with a maximum of up to INR 250 per statement cycle.
- Get 10 Reward Points per INR 100 spent on movies, dining, pharmacy, and chemist.
- Get 2 Reward Points per INR 100 spent on other categories.
- Get insurance benefits worth:
| Category | Insurance Cover |
| Air Accident | INR 50 lakhs |
| Zero Liability | INR 1 lakh |
| Lost Baggage | INR 72,000 |
| Delayed baggage | INR 7,500 |
| Loss of Travel Documents | INR 12,500 |
| Damaged Baggage | INR 5,000 |
How to Redeem Reward Points?
Mentioned are the steps to redeem the reward points:
- Log in to www.sbicard.com
- Redeem the points against multiple categories like shopping, gift vouchers, etc.
- Also, the SBI mobile app can be used for the same.
- 1 Reward point = INR 0.25, i.e. 4 reward points= INR 1
Eligibility Criteria
Mentioned below are the eligibility parameters to apply for SBI Pulse Credit Card:
- The minimum age of an applicant should be 18 years.
- The maximum age of an applicant should be 65 years.
- An applicant can either be a salaried individual or a self-employed individual.
- He/ she should have a decent credit score, i.e. 750 or above.
- He/ she should have a stable income.
Fees and Charges
Mentioned below are the fees and charges associated with SBI Pulse Credit Card:
| Fees / Charges | Amount |
| Annual Fee (one time) | INR 1,499 |
| Renewal Fee (per annum) | INR 1,499 |
| Finance Charges | 3.50% per month |
| Late Payment Fee |
|
Documents Required
Mentioned below is the list of documents required to apply for SBI Pulse Credit Card:
Identity Proof:
- PAN Card
- Aadhar Card
- Driving License
- Passport
- Voter’s ID
- Overseas Citizen of India Card
- Person of Indian Origin Card
- Job Card issued by NREGA
- Letter issued by UIDAI or any other government-approved ID proof
Address Proof:
- Aadhar Card
- Driving License
- Passport
- Utility Bill
- Ration Card
- Property Registration Document
- Person of Indian Origin Card
- Job Card issued by NREGA
- Bank Account Statement or any other government-approved ID proof
Income Proof:
- The latest one or 2 Salary Slip
- Latest Form 16
- Last 3 months’ bank statement
How to Apply for an SBI Pulse Card?
Below are the steps to apply for a SBI Pulse Card:
Step 1: Launch the official website of SBI Card.
Step 2: Under the tab “Apply”, click “Apply Now”.
Step 3: A list of all cards will then be displayed on the screen.
Step 4: Choose the SBI Pulse credit card and click “Apply Now”.
Step 5: Fill out the details required in the application form and click “Submit”.
Steps to Activate SBI Pulse Credit Card
Mentioned below are the different options to activate and generate the PIN of the SBI Pulse Credit Card:
- Visit your nearest ATM. On the main menu, press the option “Generate PIN using OTP”.
- Another way is to get your Internet banking activated by logging in. Click “Credit Card Activation or Pin generation”.
- Also, you can contact customer care and ask them to assist you in getting the card activated.
How to Check SBI Pulse Credit Card Application Status?
Following are the steps to check the SBI Pulse Credit card application –
- On visiting SBI Card’s official website, you will see the credit card option. At the bottom of the page, you will see the option of “Track Application.” click on that option by entering your application number, and you will get the status of your application.
- Also, one can contact the SBI customer care executive, who will assist you with your card status.
- If you don’t prefer calling or other online methods, you can simply visit your closest branch and request the bank officials to assist you in knowing the status of your application.
