Introduction: A Credit Card That Cares About Your Health
In today’s fast-moving lifestyle, most people are looking for a balance between fitness, health, and financial convenience. The SBI Pulse Credit Card is designed exactly for that. Issued by the State Bank of India, this credit card combines health, wellness, and lifestyle benefits into one package. It not only rewards you for your spending but also helps you stay healthy through exclusive memberships and offers. Whether you are a fitness enthusiast, a frequent traveler, or someone who values healthcare, the SBI Pulse Credit Card caters to all.
1. Complimentary Health and Fitness Memberships
The SBI Pulse Credit Card stands out because of its strong focus on health and fitness. Cardholders receive a complimentary Fitternity membership worth ₹7,500. Fitternity is one of India’s leading fitness platforms that provides access to gyms, fitness classes, and online health sessions across the country. With this membership, you can book workouts, join virtual fitness programs, and stay motivated to achieve your fitness goals.
This health-first approach makes the SBI Pulse Credit Card unique, giving users not only financial benefits but also tools to maintain a healthy lifestyle.
2. Apollo 24|7 Gold Membership for Premium Healthcare
The SBI Pulse Credit Card also provides a complimentary Apollo 24|7 Gold Membership. This membership brings India’s top healthcare services to your fingertips. With this benefit, cardholders can enjoy unlimited online doctor consultations, free home delivery of medicines, and special discounts on diagnostic tests and health check-ups.
It ensures that you and your family get medical support anytime and anywhere. Whether it’s a late-night consultation or a quick medicine order, the Apollo 24|7 Gold Membership offers both convenience and care.
3. Reward Points on Everyday Spending
Apart from health benefits, the SBI Pulse Credit Card makes your daily spending more rewarding. You can earn 10 reward points for every ₹100 spent on dining, movies, pharmacy, and entertainment. For all other purchases, you earn 2 reward points per ₹100 spent.
These points can be easily redeemed for vouchers, gifts, or even cashback through the SBI Card Reward portal. The rewards program ensures that every transaction you make brings you closer to exciting offers and savings.
4. Comprehensive Insurance Coverage
One of the most practical features of the SBI Pulse Credit Card is its built-in insurance protection. It offers an air accident cover worth ₹50 lakh, providing financial security in case of emergencies during air travel. In addition, you also get a fraud liability cover of up to ₹1 lakh, protecting you against unauthorized transactions.
These coverages make the SBI Pulse Credit Card not only a smart choice for rewards but also a safe one for your peace of mind.
5. Fuel Surcharge Waiver
Frequent commuters and travelers will appreciate the 1% fuel surcharge waiver offered by the SBI Pulse Credit Card. This benefit is applicable on transactions between ₹500 and ₹4,000 at all petrol pumps across India. You can save up to ₹250 per month on fuel, which adds up to a significant annual saving.
Given the rise in fuel costs, this feature is a valuable addition that ensures your travel expenses remain manageable.
6. Complimentary Airport Lounge Access
Traveling becomes more comfortable with the SBI Pulse Credit Card. Cardholders get four complimentary domestic airport lounge visits every year, limited to one per quarter. This means you can relax in exclusive airport lounges with access to free snacks, beverages, Wi-Fi, and comfortable seating before your flight.
For frequent flyers, this is a great benefit that enhances the travel experience without extra cost.
7. Annual Fee and Renewal Offers
The SBI Pulse Credit Card comes with an annual fee of ₹1,499 plus taxes. However, the best part is that this fee can be waived off if you spend ₹2 lakh or more in a year. Considering the value of the health memberships, insurance benefits, lounge access, and reward points, the annual fee is easily justifiable.
The renewal fee waiver makes this card ideal for those who plan to use it actively for everyday spending and lifestyle needs.
8. Contactless Payment and Security Features
SBI Pulse Credit Card supports contactless payment technology, allowing you to simply tap your card at any NFC-enabled terminal for transactions below ₹5,000 without entering a PIN. This makes payments faster, more convenient, and highly secure.
Every transaction is protected by SBI’s advanced encryption systems. Additionally, cardholders can manage transactions, set spending limits, and block their cards through the SBI Card mobile app, ensuring complete control and safety.
9. Global Acceptance
The SBI Pulse Credit Card is accepted in over 24 million outlets worldwide, including 3.25 lakh outlets in India. Whether you are shopping online, booking hotels, or dining abroad, you can use your SBI Pulse Credit Card without any hassle. It provides the same level of convenience and rewards even when you are traveling internationally.
10. Easy EMI Conversion
Large expenses can often disrupt your budget, but the SBI Pulse Credit Card gives you the flexibility to convert big purchases into easy EMIs. Any transaction above ₹2,500 can be converted into an EMI with tenures ranging from 3 to 24 months. This makes it easier to manage significant expenses like medical bills, travel bookings, or electronics purchases without financial strain.
This feature ensures that you maintain financial stability while enjoying the benefits of your credit card.
11. 24x7 Customer Support
SBI offers reliable and round-the-clock customer support for all its cardholders. Whether you need to check your account details, report a lost card, or resolve a billing issue, assistance is just a call or message away. The SBI Card app also allows you to manage your card effortlessly, check statements, and redeem reward points in real-time.
Why the SBI Pulse Credit Card Stands Out
The SBI Pulse Credit Card is an ideal choice for those who want a balance of health, wellness, and financial benefits. It combines the features of a lifestyle card with health-focused privileges. Here’s a quick summary of why it stands out:
- Complimentary Fitternity Membership worth ₹7,500
- Free Apollo 24|7 Gold Healthcare Membership
- Reward Points on pharmacy, dining, and entertainment
- Comprehensive insurance cover
- Fuel surcharge waiver
- Complimentary airport lounge access
- Annual fee waiver for high spending
With this card, you don’t just spend money you earn rewards, save on healthcare, and enjoy exclusive privileges that fit modern lifestyles.
Conclusion: A Smart Choice for Health and Happiness
The SBI Pulse Credit Card is more than just a financial product; it’s a lifestyle companion designed for today’s generation. It promotes health, ensures safety, and offers rewards that truly add value. From doctor consultations and fitness memberships to travel benefits and fuel savings, it covers all essential aspects of modern living.
If you are looking for a credit card that supports both your wellness goals and your financial habits, the SBI Pulse Credit Card is a smart choice. It combines the best of both worlds—health and luxury—making it one of the most valuable credit cards in India today.
