SBI Card PULSE- Features, Benefits, & Apply online

If you want a credit card that provides a good number of reward offers and benefits to all its cardholders, the SBI Card PULSE is the perfect credit card for you. This credit card provides advantages of various kinds, like welcome benefits, health benefits, reward points, milestone benefits, insurance benefits, lounge benefits, etc. 

Let us look at all the features and specifications of SBI Card PULSE and look at the various reasons for having this SBI credit card.

Fees and Charges

• Spend-Based Waiver: So, if you spend a lot of money with your SBI Card PULSE, like Rs. 2 lakhs or more in one whole year, you don’t have to pay the renewal fee. It’s like getting a free pass to keep using your card if you shop a lot. That means you can save some money, and that’s always a good thing when you want to buy more fun stuff.
• Rewards Redemption Fee: When you want to use the points you earn for buying things, it costs Rs. 100 each time you ask to use them. This fee is like a small price to pay for getting treats. Imagine you’ve saved up a bunch of points for a toy, but first, you need to pay this fee. It’s kind of like a ticket to get your reward.
• Foreign Currency Markup: If you ever go to another country and use your SBI Card PULSE to buy things there, they will add 3.5% extra to whatever you spend. For example, if you buy a snack that costs Rs. 100, you actually end up paying Rs. 103.50 because of this fee. It’s like a little extra charge for using your card outside of India. So, it’s smart to keep that in mind if you travel.
• Interest Rates: If you don’t pay back the money you borrowed with your SBI Card PULSE on time, they charge you a fee of 3.50% each month. This means if you borrowed Rs. 100, by the end of the year, you might have to pay back Rs. 142. That’s a lot more money. It’s important to pay back on time so you don’t end up owing way more than you borrowed.
• Fuel Surcharge: When you use your SBI Card PULSE to buy fuel, there’s a special deal. You can get a 1% discount on fees if you buy fuel that costs between Rs. 500 and Rs. 4,000. This means if you fill up your car, it’s a little cheaper. So, when you go to the gas station, remember that you could save a little money if you use your card to buy fuel.
• Cash Advance Charges: If you need cash and decide to take money out with your SBI Card PULSE, there’s a charge of 2.5% of the amount you take. But here’s the catch: you have to pay at least Rs. 500, even if you take out a smaller amount. So, if you just need a little cash, it might not be worth it because you could end up paying a lot. It’s like a hidden fee for getting cash, so you have to think before you do it.

SBI Card PULSE Details

• Reward Points on Health Spending: Whenever you spend money on health-related stuff, like buying medicine or going to the doctor, you earn 10 Reward Points for every Rs. 100 you spend. That’s a lot of points. Plus, you also get 10 Reward Points when you spend money on movies and dining. So, if you go out to eat or watch a film, you’re earning points at the same time.
• 2 Reward Points per Rs. 100 Spent: For other things you buy with your SBI Card PULSE, you earn 2 Reward Points for every Rs. 100 you spend. This means you can collect points pretty fast just by using your card for everyday shopping. It’s like getting a little reward every time you buy something.
• Complimentary Priority Pass Membership: For the first two years, you get a special Priority Pass membership for free. This is great as it lets you enter airport lounges. These lounges are comfy places where you can relax, eat snacks, and wait for your flight without all the noise of the airport.
• 8 Complimentary Airport Lounge Visits: With your Priority Pass, you can visit 8 airport lounges at certain airports in India, but you can only go to 2 lounges each quarter. So, if you travel a lot, this is a nice way to chill out before your flight and enjoy some snacks and drinks.
• E-Gift Vouchers Worth Rs. 1,500: If you spend enough money with your card in a year, you can get e-gift vouchers worth Rs. 1,500. This is like getting free money to shop for things you want. Just make sure to reach the spending goal to get your vouchers.
• Spend-Based Annual Membership Fee Waiver: If you spend a lot with your SBI Card PULSE, you can get your annual membership fee waived. This means you don’t have to pay to keep your card each year, which is really great because you can save that money for other things.
• Air Accident Insurance Coverage: When you have the SBI Card PULSE, you also get air accident insurance coverage worth Rs. 50 lakhs. This means if something bad happens while flying, you and your family are protected. It’s a really important safety feature that can give you peace of mind when you travel.

Reward Offers for SBI Card PULSE

• Movie & Dining Rewards: When you use your SBI Card PULSE to go to the movies or eat at restaurants, you earn 10 Reward Points for every Rs. 100 you spend. So, if you buy a movie ticket for Rs. 300, you’ll get 30 Reward Points. It’s a fun way to earn rewards while enjoying a movie night with friends or having a yummy dinner with family.
• Rewards Rate: You get 10 Reward Points for every Rs. 100 spent on pharmacy items, chemists, movies, and dining. If you buy something else, you still earn points, but it’s 2 Reward Points for every Rs. 100 spent. This means that when you use your SBI Card PULSE for shopping, you’re always collecting points, which is like getting a little treat every time you spend money.
• Travel Benefits: If you love to travel, you’re going to like the travel benefits with your SBI Card PULSE. You get free access to domestic airport lounges, which means you can sit in a comfy place while you wait for your flight. Plus, with the complimentary Priority Pass membership, you can enjoy even more lounges and relax with snacks and drinks before taking off.
• Domestic Lounge Access: With your SBI Card PULSE, you can visit 2 domestic airport lounges for free every quarter. That means every three months, you can chill in a nice lounge before your flight. It’s a great way to make waiting for your flight much nicer, with yummy snacks and a calm place to relax.
• Air Accident Cover: When you have the SBI Card PULSE, you get an air accident cover of Rs. 50 lakhs. This is super important because it means that if something really bad happens while flying, you and your family are taken care of. It’s a safety net that gives you peace of mind when you travel.

Conclusion

The SBI Card PULSE is a really awesome credit card if you want to earn rewards and get good benefits. You can get things like a free smart watch, gym memberships, and a lot of points for spending on fun stuff like movies and food. 

Plus, there are great travel perks like lounge access and important insurance benefits that keep you safe when you fly. It’s a smart choice for anyone who loves to shop, travel, and enjoy life while saving money.

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