SBI Pulse Credit Card

Below are the main highlights of SBI Card PULSE:

Following are the key features and benefits of SBI Card PULSE:

Welcome Gift

A Noise ColorFit Pulse 2 Max Smart Watch of Rs. 5,999 on payment of joining fee.

Health Benefits

• 1-year complimentary FITPASS PRO membership every year on card renewal.
• 1-year complimentary Netmeds First Membership every year on card renewal.

Reward Points

• 10 reward points on spending every Rs. 100 on Chemist, Pharmacy, Dining & Movies.
• 2 reward points on spending every Rs. 100 on all other categories.
• 4 Reward Points = Rs. 1
• The accumulated reward points can be redeemed for payment of your card’s outstanding bill or against a host of options from the Reward Catalogue.

Milestone Benefits

• Renewal Fee Waiver on minimum annual spends of Rs. 2 Lakhs.
• Rs. 1,500 E-Voucher on achieving milestone annual retail spends of Rs. 4 Lakhs.

Comprehensive Insurance Cover

• Rs. 1 Lakh worth of fraud liability insurance cover.
• Air accident cover of Rs. 50 Lakhs.
• Loss of check-in baggage cover up to Rs. 72,000 (1000 USD).
• Delay of check-in baggage cover Rs. 7,500.
• Loss of travel documents cover up to Rs. 12,500.
• Baggage damage cover up to Rs. 5,000.

Airport Lounge Benefits

• 8 (limited to 2 per quarter) complimentary domestic lounge visits.
• Complimentary Priority Pass Membership of US $99 for the first 2 years of cardholder membership.

Following are the fees and charges associated with SBI Card PULSE:

• Annual fee: Rs. 1,499 + taxes (one time).
• Renewal fee from 2nd year onwards: Rs. 1,499 + taxes. Reversed on annual spending of Rs. 2,00,000 or more for last year.
• Add-on fee: Nil.
• Finance charges: Up to 3.50% per month (42% per annum) from the transaction date.
• Overlimit fee: 2.5% of the over limit amount or Rs. 600, whichever is higher.
• Cash withdrawal charges: 2.5% of the amount withdrawn or Rs. 500 (at domestic ATMs) & 2.5% of the amount withdrawn or Rs. 500 (at international ATMs).
• Late payment charges:
  • Nil for the outstanding amount of Rs. 0 – Rs. 500.
  • Rs. 400 for the outstanding amount above Rs. 500 – Rs. 1,000.
  • Rs. 750 for the outstanding amount above Rs. 1,000 – Rs. 10,000.
  • Rs. 950 for the outstanding amount above Rs. 10,000 – Rs. 25,000.
  • Rs. 1,100 for the outstanding amount above Rs. 25,000 – Rs. 50,000.
  • Rs. 1,300 for the outstanding amount above Rs. 50,000.
  • An additional Rs. 100 will be charged for missing the Minimum Amount Due (MAD) payment for 2 consecutive cycles.

• Rewards redemption fee: Rs. 99 (on gifts/ cash/ specific vouchers).
• Fee for card replacement: Rs. 100 – Rs. 250
• Payment dishonour charges: 2% of the payment amount (minimum Rs. 500)
• Credit limit increase fee: Rs. 200.
• Network change fee: Rs. 200.
• Foreign currency transaction charges: 3.5%.
• Cheque payment fee: Rs. 100.
• Processing fee for rent payment transactions: Rs. 99.
• Dynamic & static conversion markup fee: 3.50% for transactions above or equal to Rs. 1,000.

Eligibility Criteria for SBI Card PULSE

The eligibility criteria for the SBI PULSE Card are mentioned below:

• The applicant should be salaried or self-employed.
• The age of the applicant should be a minimum of 21 years and up to 60 years.
• The applicant should have a regular income source with a minimum annual income of Rs. 2 Lakh.
• The applicant should be an Indian resident.
• The applicant should have a good credit history.
• The credit score of the applicant should be 750 or above.

The documents required to apply for an SBI Pulse Credit Card are mentioned below:

• Identity proof like Aadhar Card, Driving Licence, PAN Card, or Voter ID Card.
• Address proof like Aadhar Card, Utility Bills, Driving Licence, or Passport.
• Income proof including last 3 months’ bank statements and salary slips or latest audited Income Tax Return.

You can apply for SBI Card Pulse through any of the following ways:

• Offline: Visit the nearest branch of SBI bank and fill in the credit card application form or call the customer care team of the bank.
• Online: You can apply for the SBI card online through the official website of the bank or through its mobile application called YONO. Follow the below-mentioned steps to apply for the card through the bank’s website:
  • Visit the official website of the bank and go to the ‘Credit Cards’ page.
  • Select the SBI Card PULSE option.
  • Click on the ‘Apply Now’ button and proceed further by filling in all the required details.

Alternatively, you can also apply for this card online from our website by following the steps given below:

• Click on the ‘Credit Cards’ section on our website’s homepage and enter all the required personal and professional details.
• Verify your mobile number by typing the OTP received on your number.
• You will get a call from one of our credit card experts, who will help you complete the credit card application process.