SBI CardPULSE
SBI Card ·
PULSE
Joining ₹1,499 · Annual ₹1,499
Fee break-even: ≈₹2,99,800/yr through this card at its base rate. Below that, the fee eats the rewards.
Earns Reward Points · assumed 0.25 ₹/point. 4 points = ₹1 on redemption
Verified 13 Aug 2026Forex markup3.5%
Fuel surcharge1% waived between ₹500 and ₹4,000
Domestic lounge4 a year. 1 per quarter at domestic lounges
EMINil on 3 months, then ₹45 to ₹169 by tenure, only on purchases of ₹20,000 or more processing fee · A converted purchase stops earning rewards · Nothing to pay on a 3 month plan. Minimum ₹2,500 to convert. · Flexipay and merchant EMI earn nothing
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 0.5% | Base rate |
| Amazon | 0.5% | Base rate |
| Flipkart | 0.5% | Base rate |
| Subscriptions & OTT | 0.5% | Base rate |
| Offline spend | 0.5% | Base rate |
| UPI spending | 0% | No RuPay variant is published, so UPI linking is unavailable |
| Dining | 2.5% | 10 points per ₹100 on dining, chemists, pharmacies, sports and movies |
| Swiggy | 2.5% | Uses its dining rate |
| Zomato | 2.5% | Uses its dining rate |
| Groceries | 0.5% | Base rate |
| Quick commerce | 0.5% | Base rate |
| Swiggy Instamart | 0.5% | Base rate |
| Blinkit | 0.5% | Base rate |
| BigBasket | 0.5% | Base rate |
| Movies & shows | 2.5% | 10 points per ₹100 |
| BookMyShow | 2.5% | Uses its movies rate |
| PVR INOX | 2.5% | Uses its movies rate |
| Fuel | 0% | Fuel earns nothing beyond the surcharge waiver |
| Travel (general) | 0.5% | Base rate |
| Flights | 0.5% | Base rate |
| Hotels | 0.5% | Base rate |
| MakeMyTrip | 0.5% | Base rate |
| IRCTC rail | 0.5% | Base rate |
| International | −3% | 0.5% reward − 3.5% forex markup |
| Utilities & bills | 0.5% | Base rate |
| Rent | 0% | Rent earns nothing |
| Education fees | 0.5% | Base rate |
| Insurance premiums | 0.5% | Base rate |
| Government & tax | 0.5% | Base rate |
| Wallet loads | 0% | Wallet loads earn nothing |
| Anything else | 0.5% | Base rate |
| Jewellery | 0.5% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- Welcome: a Noise ColorFit Pulse 4 Pro smartwatch worth ₹7,999 on payment of the joining fee
- 1 year FITPASS PRO and Netmeds First memberships, renewed on each card renewal
Other exclusions
- Flexipay and merchant EMI earn nothing
What we liked
- A Noise smartwatch worth ₹7,999 on paying the ₹1,499 joining fee
- 2.5% on dining, chemists and movies
- FITPASS PRO and Netmeds memberships renew yearly, plus 4 lounge visits
What to mind
- SBI does not print a fee reversal condition on the page
- 0.5% base outside the health and dining categories
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.