IN
SBI Card
SBI Pulse
🇮🇳 India · SBI Card

SBI Pulse

Health/fitness focused — smartwatch + wellness benefits.

3.9 / 5
Joining fee
₹1,499
Annual fee
₹1,499
Top reward
1%
Min income
₹360,000

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5-year value calculator

How much SBI Pulse actually pays you over time, net of annual fees.

50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards6,000
Annual fee0 (waived ✓)
Cumulative net value
+30,000
over 5 years
Year 1
6,000
+6,000/yr
Year 2
12,000
+6,000/yr
Year 3
18,000
+6,000/yr
Year 4
24,000
+6,000/yr
Year 5
30,000
+6,000/yr
Year 1 (with bonus)
6,000
Year 2+ (steady state)
6,000/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

Everything else
1%
📈
🎁
Welcome bonus

Noise smartwatch on activation + 5,000 reward points

What you get

  • Free Noise ColorFit Pulse 2 smartwatch
  • 4 reward points per ₹100 on chemists, dining, movies
  • 4 domestic lounge visits/year
  • 1-year FITPASS PRO membership
  • Cult.fit + 1mg discount partnerships

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
₹360,000
Min credit score
740+
Self-employed
Eligible