SBI Card PULSE
SBI Card · Checked 2026-10-09
SBI Card PULSE is a paid card focused on shopping rewards, dining rewards and reward points, charging ₹1,499 annually before GST.
CardIQ editorial view
Our take
SBI Card PULSE is a paid card focused on shopping rewards, dining rewards and reward points, charging ₹1,499 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 10 points per ₹100 on eligible pharmacy, sports, dining and movie spends.
- Renewal fee waived at ₹2 lakh eligible annual spend.
Trade-offs to understand
- 2 points per ₹100 on other eligible purchases.
- Renewal fee waived at ₹2 lakh eligible annual spend.
- The ₹1,499 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 10 points per ₹100 on eligible pharmacy, sports, dining and movie spends valuable enough to clear the fee. Factor in this condition: 2 points per ₹100 on other eligible purchases.
Compare before deciding
- AU Ananta — A higher-fee option to compare for broader benefits around shopping rewards and reward points.
- RBL Bank Platinum Maxima — A higher-fee option to compare for broader benefits around shopping rewards and reward points.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- 2 points per ₹100 on other eligible purchases.
- Health and fitness memberships are subject to activation and issuer terms.
- Renewal fee waived at ₹2 lakh eligible annual spend.