SBI Pulse Credit Card Personal Review
Annual Fees:
₹1,499 + GST
Benefits:
Fitpass + Smartwatch
Best for:
Fitness Freaks
Reward Type:
Reward Points (25% Value)
Rating:
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.
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 in our case.
Final Verdict: Is SBI Pulse Card Worth Applying?
I applied for the SBI Pulse Credit Card not as a regular spending card but just for the FITPASS PRO Annual Membership it was offering. I’d say this is a niche but well-designed credit card, not an all-rounder Credit Card.
Apply If:
You don’t want regular gyms: If you are a runner or practice calisthenics and want gym access just to keep a check on muscle building.
You want a Smartwatch: Not the best but the smart watch pays off for the joining fee.
You want a SBI Card: If you don’t have another SBI Credit Card for Instant Discount during Festive Sales (Like Amazon).
Skip If:
You were looking for regular gym membership: If you are kind of more regular gym goer then you can skip this card if you were solely applying for it.
You want a Cashback/Rewards Card: It is a good basic Card but not a great cashback/rewarding card. Better option would be SBI Cashback Card.
Saurabh | Founder & Content Writer at CreditCult.in
For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results.
Interested in Federal Scapia Credit Card? I would highly recommend you to checkout my personal review blog on Federal Scapia Credit Card and discover everything you should know about it before applying for it.
SBI Pulse Credit Card FAQs
1. What are the welcome benefits of SBI Pulse Credit Card?
SBI Pulse offers multiple welcome benefits, including a Noise smartwatch, FITPASS membership, and Netmeds vouchers (subject to current offers). These benefits are usually unlocked within 21 days of the joining fee payment.
2. Is the SBI Pulse Credit Card lifetime free?
No, SBI Pulse is not a lifetime free card. It comes with an annual fee, waived off on annual spends of more than ₹2,00,000.
3. Who should apply for SBI Pulse Credit Card?
This card is ideal for:
Fitness and wellness-conscious users
Salaried or self-employed professionals
Moderate spenders looking for lifestyle benefits
Users who trust and prefer SBI Card services
4. Is FITPASS PRO Membership actually useful?
Yes — if you don’t want a regular gym routine as you can access gym 12 days in a month.
5. Does SBI Pulse Credit Card have hidden charges?
Based on my usage, there were no hidden charges. All fees, interest rates, and charges are clearly mentioned in the SBI Card app and monthly statements.
6. Is there any SBI Card referral benefit for new applicants?
Yes, if you signup through a SBI Card invite link then you will get an additional ₹500 gift voucher over and above other benefits.
7. Do we also get the watch every year with SBI Pulse Card on annual fee payments?
No, Smart watch is only a one-time welcome gift. Its voucher code is issued within 21 days of the payment of joining fees.
