In 2025, the way we use credit cards is changing. They’re no longer just tools for payments; they’re lifestyle companions. The SBI Pulse Credit Card perfectly captures this evolution by combining fitness, wellness, travel, and financial benefits in one smart package. Whether you’re a fitness enthusiast, a health-conscious professional, or someone who loves earning rewards while spending smartly, this card brings exceptional value to your everyday life.

A Credit Card That Prioritizes Your Health and Lifestyle

Issued by SBI Card, the SBI Pulse Credit Card is designed for individuals who want to stay healthy while enjoying premium lifestyle privileges. It offers everything from complimentary fitness memberships to medical benefits, airport lounge access, and generous reward programs. Simply put, this card doesn’t just reward your spending, it rewards your lifestyle.

Welcome Benefits That Combine Fitness and Finance

Right from the start, the SBI Pulse Credit Card makes a great impression. New cardholders get a complimentary FITPASS Pro membership, granting access to thousands of gyms, yoga studios, and fitness centers across India. Some offers even include a smart fitness watch, enabling users to track workouts, heart rate, and sleep patterns. These fitness-focused perks set the tone for a card that genuinely promotes healthy living.

Wellness Benefits That Truly Matter

The SBI Pulse Credit Card is ideal for anyone who values health and wellness. Cardholders enjoy:

• Free Online Doctor Consultations – Access qualified medical experts anytime without extra cost.
  
  

• Discounts on Full-Body Checkups – Save on diagnostic tests and preventive health packages at top medical centers.
  
  

• FITPASS Pro Access – Enjoy unlimited flexibility to work out anywhere in India.
  
  

• Smart Health Tracking – Monitor your health progress easily through a connected fitness device.
  
  

These benefits ensure that you stay healthy without incurring additional expenses on wellness services.

Earn Reward Points on Every Purchase

Every time you spend using your SBI Pulse Credit Card, you earn valuable reward points:

• 10 Reward Points per ₹100 spent on medical, pharmacy, and healthcare expenses.
  
  

• 2 Reward Points per ₹100 on all other categories.
  
  

You can redeem these points for travel, shopping, or even as statement credit through the SBI Card Rewards Portal. With a 24-month validity, you have plenty of time to make the most of your points.

Travel and Lifestyle Benefits That Add Comfort

The SBI Pulse Credit Card enhances every trip with its premium travel perks. Cardholders get 4 complimentary domestic airport lounge visits annually (one per quarter), making travel more comfortable. You can also enjoy up to 15% discounts at top restaurants via the SBI dining program and a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (up to ₹250 per billing cycle). These benefits make your lifestyle more rewarding and convenient.

Affordable Fees for Premium Privileges

Despite its premium features, the SBI Pulse Credit Card remains an affordable option.

• Joining Fee: ₹1,499 + GST
  
  

• Annual Fee: ₹1,499 + GST (waived on ₹2 lakh annual spend)
  
  

• Interest Rate: Up to 3.5% per month
  
  

• Foreign Transaction Fee: 3.5%
  
  

• Cash Advance Fee: 2.5% or ₹500 (whichever is higher)
  
  

Considering the health, travel, and wellness perks, the fee is easily justified for active users.

Robust Security and Insurance Protection

Security is a top priority with SBI. The card offers:

• Air Accident Insurance: Coverage up to ₹50 lakh
  
  

• Fraud Liability Cover: Up to ₹1 lakh
  
  

• Zero Liability Policy: Protection against misuse after reporting a loss
  
  

• Contactless Payments: Fast, secure, and safe NFC technology
  
  

These features ensure complete peace of mind for cardholders.

Who Should Apply for the SBI Pulse Credit Card

This card is best suited for:

• Fitness enthusiasts and health-conscious individuals
  
  

• Frequent travelers who value lounge access
  
  

• Professionals who prefer earning rewards for health and lifestyle spending
  
  

• Anyone looking for a card that supports overall well-being
  
  

If you want to combine health, luxury, and smart financial benefits, the SBI Pulse Credit Card is the right match for you.

Pros and Cons

Pros:

• Excellent fitness and wellness privileges
  
  

• Attractive reward points on healthcare spends
  
  

• Lounge access and dining discounts
  
  

• Comprehensive insurance and fraud protection
  
  

Cons:

• Annual fee may not appeal to low spenders
  
  

• Limited international travel benefits
  
  

Despite a few limitations, it offers excellent overall value for everyday users.

How to Apply for the SBI Pulse Credit Card

Applying is quick and easy:

1. Visit the official SBI Card website.
   
   

2. Fill out the online application form.
   
   

3. Upload your PAN, Aadhaar, address, and income documents.
   
   

4. Once verified, your card will be delivered within 7–10 working days.
   
   

The process is 100% digital and user-friendly.

Final Verdict: Is the SBI Pulse Credit Card Worth It in 2025?

Absolutely. The SBI Pulse Credit Card is not just a financial tool; it’s a lifestyle upgrade. It’s perfect for anyone who wants to stay fit, travel comfortably, and enjoy rewards on everyday spending. From free doctor consultations to airport lounge access and fitness memberships, it offers a rare mix of practicality and luxury.

If your goal in 2025 is to live smarter, healthier, and more rewarding, the SBI Pulse Credit Card is a worthy choice.