February 2026

SBI Pulse Credit Card Personal Review SBI Pulse Credit Card Annual Fees: ₹1,499 + GST Benefits: Fitpass + Smartwatch Best for: Fitness Freaks Reward Type: Reward Points (25% Value) Rating: Apply Here Is there any credit card offering Free Gym Membership? Trying to find a credit card offering complimentary access to gym? SBI’s Pulse Credit Card is one of the best options offering Annual FITPASS PRO Membership and a Noise ColorFit Pulse 4 Pro Smartwatch as a welcome gift. Checkout our detailed personal review blog to explore all the features & benefits of SBI Pulse Credit Card any my personal tips? Let’s get started. Table of Contents SBI Pulse Card: Fees & Eligibility Key Features & Benefits How to Apply? SBI Pulse Card: Welcome Benefits Explained? How Does FITPASS PRO Works? Final Verdict: Is SBI Pulse Card Worth Applying? SBI Pulse FAQs SBI Pulse Card: Fees & Eligibility Key Features & Benefits How to Apply? SBI Pulse Card: Welcome Benefits Explained? How Does FITPASS PRO Works? Final Verdict: Is SBI Pulse Card Worth Applying? SBI Pulse FAQs SBI Pulse Credit Card: Fees & Eligibility Joining Fees: ₹1,499 + GST (18%) Annual Fees: ₹1,499 + GST (18%) Annual Fee Waiver: Annual Fee is waived off (credited back) on annual spends of ₹2,00,000 or more in the previous year. SBI Pulse Credit Card Eligibility Requirements Age over 21 and CIBIL over 700 Salaried or Self Employed Annual Income > ₹2,00,000 Key Features and Benefits Welcome Benefit: A Noise ColorFit Pulse 4 Pro Smart Watch (worth ₹7,999) is offered as a welcome gift to SBI Pulse Credit Card Holders. Annual Benefits: Cardholders also get 1 year complimentary FITPASS PRO and Netmeds First membership, to be received every year, on card renewal. Milestone Benefit: Get an e-voucher worth ₹1,500 on achieving annual retail spends of ₹4 Lakhs. Rewards Points: Enjoy 10 Reward Points per ₹100 spent on Chemist, Pharmacy, Sports, Dining & Movies Earn 2 Reward Points per ₹100 spent on all your other spends Lounge Access: Offers 2 domestic airport lounge access per quarter with no spend criteria. Priority Pass: Offers a complimentary Priority Pass Membership worth US $99 (for International Lounge) for the first two years of cardholder membership, restricted to the primary cardholder. Joining Fee: It has a joining fee of ₹1,499. Annual Fees: It has an annual fee of ₹1,499, waived off on annual spends of ₹2,00,000/more. Suggestion: Apply for any SBI card through a SBI Card Invite Link to get an additional Gift Voucher worth ₹500, over and above other welcome benefits, from SBI. SBI Card Referral Code: 2yuDiroydc7 How to Apply? Applying for the SBI Pulse Credit Card is an easy and seamless digital process: Visit SBI Card: Visit their website and search for the SBI Pulse Credit Card (Under Lifestyle Tab). Click on Apply Now and you will be redirected to SBI | Sprint Website. Provide your Details: The website will ask your Personal, Professional and KYC Details. Eligibility Check: Once the details are provided, SBI will run an eligibility check and will show a tentative credit limit, if approved. Complete Application: Follow the on-screen instructions (like PAN & Aadhar Validation, Personal & Occupation Details, Selfie Verification) and then complete the process with Video KYC verification. Physical Verification: SBI Representative will visit your office/home, as per employment, to verify details and address. Virtual Card Details: Once verification is done, SBI will start the dispatch process, and in the meanwhile, bank will issue a virtual card which can be used for online shopping. Card Delivery: Within 2-3 days, you will receive your credit card delivered at your communication address. Then generate pin and start using it for offline shopping. SBI Pulse Card: Welcome Benefits Explained My primary reason for SBI Pulse Credit Card’s USP can be the welcome benefits/vouchers it offers: Noise ColorFit Pulse 4 Pro Smart Watch, Annual FITPASS PRO Membership and Netmeds First Membership. Here is a quick detail about each. Noise ColorFit Pulse 4 Pro Smart Watch This Smart Watch Variant is worth ₹7,999 (available at around ₹2,999 on e-commerce websites). SBI sends a Voucher Code (instead of the watch) which can be used to get the same watch at zero cost through Noise Website. Smart Watch Voucher Code is sent within 21 days of paying the joining fee. FITPASS PRO Annual Membership FITPASS PRO’s Annual Membership is worth more than ₹10,000. FITPASS Voucher Code is also sent within 21 days of the joining fee payment. Netmeds First Annual Membership Netmeds First Annual Membership is worth ₹499. Netmeds Membership Voucher is also sent within 21 days of the joining fee payment. I didn’t even consider it while applying for it. How does FITPASS Pro Membership Work? Getting a complimentary FITPASS Pro Membership with a Credit Card might fascinate you and make you think that its a normal partnered gym membership program allowing you to access gym any day and any time you want, but, it is not like that. Here are some crucial details about the FITPASS Pro Membership that you should know. How to redeem the FITPASS PRO Voucher Code? Download the App: Download the FITPASS app from the Google Play Store or App Store. Register: Create an account using your mobile number. Navigate to Subscription: Go to the PRO membership section and select the plan. Enter Code: Input the voucher code in the “Coupon Code” or “Promo Code” field. Activate: Click “Apply” or “Join Now” to activate your annual membership. This Complimentary FITPASS Pro Membership offers you to access: any gym/fitness center that has partnered with FITPASS, any gym/fitness center for 12 times in a month, 3 times in a week and once in a day, any gym/fitness center for 60 minutes per session, personalized diet plans from nutritionist and AI powered online coaching on the FITPASS App. Insider’s Tip : As per the terms, Smart watch, FITPASS and Netmeds Voucher Codes are sent within 21 days of joining fee payment. Advice here is that you can call SBI Card Customer Care after paying the joining fees and request them for the Vouchers and they might honor it like they did