Is sbi pulse credit card is worth it???

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SBI PULSE DETAILED ANALYSIS

Welcome Benefits

  • Get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 on payment of joining fee.
    • The SBI Card PULSE customer will be eligible for their e-voucher to get exclusive NOISE ColorFit Pulse 2 Max Smartwatch on payment of joining fee.
    • E-Voucher to eligible card holders will be sent within 45 days of eligibility calculation through Email or SMS.
    • The Voucher Code cannot be used for any other product available on the Noise Website/App. It could only be redeemed for the NOISE ColorFit Pulse 2 Max Smartwatch.
Health Benefits
  • Enjoy 1 year complimentary FITPASS PRO Membership, to be received every year, on card renewal.
  • Enjoy 1 year complimentary Netmeds First Membership, to be received every year, on card renewal.
Reward Points
  • Enjoy 10 Reward Points per Rs. 100 spent on Chemist, Pharmacy, Dining and Movies spends.
  • Earn 2 Reward Points per Rs. 100 spent on all your other spends.
    • Pay your card outstanding with Reward Points. 4 Reward Points = Rs. 1 (1 Reward point = Rs 0.25 ).
    • You can also redeem your Reward Points against a host of options from the Reward Catalogue.
Milestone Benefits
  • Waiver of Renewal Fee on annual spends of Rs. 2 Lakhs.
  • Get Rs. 1500 E-Voucher on achieving annual retails spends of Rs. 4 Lakhs.
Comprehensive Insurance Cover
  • Avail Fraud Liability Insurance Cover of Rs. 1 lakh.
  • Air Accident Cover of Rs. 50 lakh.
  • Loss of check-in baggage up to Rs 72,000 (1000 USD).
  • Delay of check-in baggage Rs 7,500.
  • Loss of travel documents up to Rs 12,500.
  • Baggage Damage- Cover up to Rs. 5000.
Lounge Benefits
  • Complimentary 8 Domestic Lounge visits (Restricted to 2 per quarter).
  • Complimentary Priority Pass Membership worth US $99 (8224 rupees) for the first two years of cardholder membership.
Annual Fee and charges
  • One-time: Rs. 1,499 + Taxes
  • Renewal Fee (per annum): Rs. 1,499 + Taxes
  • The finance charges applicable on this credit card are 3.5% per month or 42% annually.
  • The cash advance fee on the SBI Card Pulse is 2.5% of the cash amount (minimum of Rs. 500). (This fee is charged when you withdraw cash using your credit card.)
  • The foreign currency markup fee on this card is 3.5% of the transaction amount. (Whenever you make a transaction in a different currency, you will have to pay this fee.)
1% Fuel Surcharge waiver
  • 1% Fuel Surcharge waiver for each transaction between Rs. 500 and Rs. 4,000.
  • Maximum Surcharge waiver of Rs. 250 per statement cycle, per credit card account.
Eligibility Criteria
  • Citizenship: You must be an Indian citizen.
  • Age: You must be between 21 and 60 years old.
  • Annual income: You must have a minimum annual income of ₹2 lakhs.
  • Employment: You must be employed with a reputed organization or be self-employed with a stable income.
  • Credit score: You must have a good credit score. SBI Card does not specify the minimum credit score required, but generally, a score of 750 or above is considered good.
Add-on Cards
  • With SBI Card PULSE, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18.
Overall Verdict
The SBI Card Pulse is an excellent choice for health-conscious individuals seeking an affordable, decent reward rate and other benefits.
 
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