SBI

SBI Card PULSE Credit Card

Good for online shopping across multiple brands.

SBI VISA

PULSE

Should you get this?

Conditional fit

Confirm terms

Why this card

Up to 10 pts / ₹100 on Dining
You can comfortably spend ₹2,00,000 a year on the card.
You spend on dining.

Issuer evidence · 3 sources →

Trade-off

The annual fee (₹1,499) is waived only after ₹2,00,000 of eligible annual spend.

Annual fee ₹1,499 per year

Rewards 2 pts / ₹100

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 above

General spend2 pts / ₹100——

Dining10 pts / ₹100——

Movies10 pts / ₹100——

Health Pharmacy Sports Dining Movies10 pts / ₹100——

Redemption value

What a Reward Point is worth

Cashback₹0.25 / pt

Annual fee break-even math

When does this card pay for itself

₹3L

Conservative yearly spend needed at the ₹0.25-per-point ranking floor.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Verified value

₹0.25 per point

Cashback

Base earn

2 points per ₹100 (~0.5% base (conservative redemption))

Best verified lane

Dining

10 pts / ₹100

View bonus categories →

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹2,00,000yearAnnual fee waiverreasonablestrong

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). ~1,000 pts/month. Category and partner bonuses aren't included in this estimate.
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 facts

Benefits

Lounge Access

Domestic (cardholder): 1 per quarter · verified 6 Jul 2026

4 sources agree · verify issuer terms before applying

Where to verify

SBI official Lifestyle Sbi Card Pulse page
CardInsider
PaisaBazaar
Operator-verified anchor
International (cardholder): Not included International details not available.

4 sources agree · 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.
Headline point value: ₹0.25 per Reward Point (Cashback) Issuer headline channel — full channel grid in Redemption value.

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹1,499
Joining fee: ₹1,499 · verified 1 Jul 2026
Fee waiver spend: ₹2,00,000 · verified 20 Jun 2026 Near catalog median waiver (₹2,00,000 vs ₹2,00,000).
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 3.5%

3 sources agree · 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