Eligible spend
2 points per ₹100 on eligible spend
SBI VISA
PULSE
Should you get this?
Conditional fit
Why this card
- 10 points/₹100 on eligible dining and health Pharmacy Sports Dining Movies
- You spend on dining.
- 1 per quarter domestic lounge.
Trade-off
The annual fee (₹1,499) is waived only when eligible annual spend exceeds ₹2,00,000.
Annual fee ₹1,499 per year
Rewards 2 pts / ₹100 base
Lounge access 1 per quarter
Forex markup 3.5% high
Compare with Axis Bank IndiGo →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend2 pts / ₹100Credited as reward pointsDoes not earn on —
- fuel
Dining10 pts / ₹100Credited as reward points—
Health Pharmacy Sports Dining Movies10 pts / ₹100Credited as reward points7,500 points per calendar month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend; then 2 pts / ₹100 base
Redemption value
What a Reward Point is worth
- Cash redemption value₹0.25 per Reward Point
How to avoid the annual fee
Spend threshold for waiver Above ₹2L annual eligible spend required for the waiver
Above ₹2L eligible annual spend waives the fee
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getCaps
- Health Pharmacy Sports Dining Movies7,500 points per calendar month
Why?
at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend; then 2 pts / ₹100 base
No reward on
- Fuel
Realisation
Credited as reward points
Reported reward terms
Evidence · not used in rates or comparisonsReported category terms
- Movies
- 10 points per ₹100Domestic & international
Reported by secondary sources · verify with issuer1 other source
Evidence only · excluded from decisions
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹2,00,000yearAnnual fee waiver
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (2 pts / ₹100). Up to ~1,000 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹250 at the conservative redemption floor
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 1 per quarter · verified 6 Jul 2026
- International (cardholder)
- Not included on base card No international lounge access.
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- SBI official Lifestyle Sbi Card Pulse page
- CardInsider
- PaisaBazaar
- Operator-verified anchor
Rewards
- Base earn
- 2 points per ₹100 value depends on redemption
- Effective return (honest floor)
- ~0.5% base (conservative redemption) Conservative redemption floor; best documented path is not ranked on.
- Cash redemption value
- ₹0.25 per Reward Point Issuer headline channel — full channel grid in Redemption value.
- Point validity
- Points expire 2 years after earning
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹1,499
- Joining fee
- ₹1,499 · verified 1 Jul 2026
- Fee waiver spend
- Above ₹2,00,000 · verified 20 Jun 2026 Annual fee waived on eligible anniversary-year spend above ₹2,00,000.
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- Shared Sbicard Com
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Mid-tier
Travel & perks
Fuel Benefits
At the pumpNo verified fuel benefit available.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Health Pharmacy Sports Dining Movies cap: 7,500 points per calendar month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend.
- After the Health Pharmacy Sports Dining Movies cap is reached, further spends earn the base rate.
Exclusions
These spends do not earn reward points.
Financial
- Fuel
Latest update
- Annual fee: ₹1,499.
- Forex markup currently listed at 3.5%.
- 1 per quarter domestic lounge.
Common questions
From verified card factsIs this good for lounge access?
1 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies above ₹2,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.
Learn more
Guides matched to this card — not a random syllabus.
- How reward rate works
Pts / ₹100 without the marketing fog - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum