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, movies, 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—
Movies10 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
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.
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.
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