SBI Pulse Credit Card Benefits, Review, Charges

SBI Pulse Credit Card Benefits, Review, Charges, SBI Card Pulse Health Card is a unique credit card offered by State Bank of India (SBI) that is specifically designed to cater to the healthcare needs of individuals and families. The card offers a range of benefits and features that can help cardholders manage their healthcare expenses in a more efficient and affordable manner.

sbi pulse credit card benefits
sbi pulse credit card benefits

SBI Pulse Credit Card Benefits, Review, Charges

SBI Pulse Card Eligibility

The Eligibility Criteria for the SBI Pulse Credit Card are:

  • Age: The applicant must be between 21 and 65 years of age.
  • Income: The minimum annual income required for the card is Rs. 2 lakh.
  • Credit score: The applicant must have a good credit score and a clean credit history.

SBI Pulse Credit Card Benefits Key Features of the SBI Pulse Credit Card are

SBI Pulse Credit Card Smart Watch

Get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 on payment of joining fee

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
  • Both Memberships are subject to payment of Joining Fee and min. one retail transaction

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
  • 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 for first two years of cardholder membership

Reward Point

  • Enjoy 10 Reward Points per Rs.100 spent on Chemist, Pharmacy, Dining and Movies
  • Earn 2 Reward Point per Rs.100 spent on all your other spends
  • 4 Reward Points = Rs.1
  • Use your Reward Points to pay the outstanding balance on your credit card or redeem against a wide array of gifts

SBI Pulse Credit Card Welcome Benefits

  • Get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 on payment of the joining fee

Health Benefits

  • Enjoy 1 year FITPASS PRO and Netmeds First complimentary memberships subject to payment of Joining Fee and min. one retail transaction in the first year
  • Both memberships (FITPASS PRO and Netmeds First) to be received every year, on card renewal

Lounge Program

  • SBI Card PULSE Cardholders are eligible for 8 Domestic Lounge access in a year capped to 2 access per quarter
  • Refer Visa Lounge Program Terms and Conditions on https://www.visa.co.in/en_in/visa-offers-and-perks/visa-airport-lounge-access-program/114566
  • Visa reserves the right at any time, without prior notice to add, alter, modify or change list of lounges under this program applicable for SBI Card PULSE
  • Priority Pass Membership fees is complimentary for first two cardholder membership years
  • There are no complimentary visits for SBI Card PULSE
  • The standard membership of the Priority Pass Program is provided only to the primary cardholder of SBI Card PULSE

Milestone Benefits

  • Get Rs.1500 voucher on achieving retail spends of Rs. 4 lakh in a year
  • Get annual membership fee reversal from second year of your subscription. To avail fee reversal, you need to have spent Rs. 2 lakh or more on your SBI Card PULSE in the previous year

Air Accident & Fraud Liability Cover

  • Get complimentary Air Accident Liability Cover of Rs. 50 Lakhs
  • Get complimentary credit card Fraud Liability Cover of Rs.1 lakh

This cover is valid for a period of 48 hours prior to reporting of loss, to 7 days post reporting of loss. Please call SBI Card helpline to report card loss: Dial 1860 180 1290 or 39 02 02 02 (prefix local STD code)

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.

E-Statements and SMS Alerts

The SBI Pulse Credit Card offers e-statements and SMS alerts to help cardholders keep track of their transactions and account balances. The e-statements are sent to the cardholder’s registered email address, while the SMS alerts are sent to the registered mobile number. These features help cardholders stay informed about their account activity and prevent unauthorized transactions.

Contactless Payments

The SBI Pulse Credit Card comes with contactless payment technology, which allows cardholders to make payments by simply tapping their card on a contactless-enabled terminal. This feature makes payments faster, more convenient, and more secure, as the card never leaves the cardholder’s hand during the transaction.

Daily purchases now made easy with SBI Card PULSE. Simply tap your card at a secure reader to transact

Fast & convenient: No need to hand over your card or look for cash / coins for everyday small ticket purchases

Security: The card never leaves your hand during a Contactless transaction, significantly reducing the risk of card loss and fraud due to skimming (counterfeit). Even if the card is tapped multiple times at the reader, the unique security key feature of VISA PayWave will ensure that only one transaction goes through, thus making it more secure

Worldwide Acceptance

  • You can use your SBI Card PULSE in over 24 million outlets across the globe, including 3,25,000 outlets in India
  • Use your card to make payments at any outlet that accepts VISA

Add-on Cards

The SBI Pulse Credit Card offers add-on cards for family members, which allows them to enjoy the same benefits and features as the primary cardholder. Add-on cards can be requested online or by visiting the nearest SBI branch.

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

Cash on the Go

Withdraw cash from over 1 million VISA ATMs across the globe

Utility Bill Payment Facility

Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your SBI Card PULSE

Balance Transfer and Flexipay

The SBI Pulse Credit Card offers balance transfer and Flexipay options to help cardholders manage their debt. Balance transfer allows cardholders to transfer their outstanding balances from other credit cards to their SBI Pulse Credit Card at a lower interest rate.

Flexipay allows cardholders to convert their large transactions into easy monthly installments at a lower interest rate. With Flexipay, convert your transactions in easy monthly installments. Just transact for Rs. 2,500 or more using your SBI Card PULSE, and log onto sbicard.com within 30 days of purchase to convert it into Flexipay

Balance Transfer on EMI

  • Save money while paying your credit card dues
  • Transfer the outstanding balance of other banks’ credit cards to your SBI Card PULSE, to avail a lower rate of interest and pay back in EMIs
  • Log onto sbicard.com with your user ID and password to avail this service

Easy Money

  • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
  • Log in with your username and password to sbicard.com to book Easy Money

SBI Pulse Credit Card Charges

Like all credit cards, the SBI Pulse Credit Card comes with certain charges and fees that are applicable to cardholders. Here are the main charges and fees associated with the SBI Pulse Credit Card:

SBI Pulse Credit Card Joining Fee

The joining fee for the SBI Pulse Credit Card is Rs. 1,499 + Taxes, which is a one-time fee charged at the time of card issuance. The joining fee may be waived off if the cardholder spends a certain amount within the first few months of card issuance.

SBI Pulse Credit Card Annual Charges

The annual fee for the SBI Pulse Credit Card is Rs. 1,499 + Taxes from second year onwards, which is charged on a yearly basis. The annual fee may be waived off if the cardholder spends a Rs. 2,00,000 in the previous year using their credit card.

  • Add-on Fee (per annum): Nil

Order of Payment Settlement

All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

SBI Pulse Credit Card Limit

The credit limit of an SBI Pulse Credit Card depends on various factors such as the credit score of the applicant, their income, their credit history, and their repayment capacity. The credit limit is the maximum amount of credit that the cardholder is allowed to use on their credit card.

The SBI Pulse Credit Card comes with a minimum credit limit of Rs. 10,000, and the maximum limit is determined based on the applicant’s eligibility criteria. The bank assesses the applicant’s eligibility based on their income, repayment history, credit score, and other factors.

If an applicant has a good credit score, a stable income, and a clean repayment history, they may be eligible for a higher credit limit. However, if an applicant has a poor credit score or a high debt-to-income ratio, they may be eligible for a lower credit limit.

The credit limit of an SBI Pulse Credit Card can be increased or decreased based on the cardholder’s repayment behavior and usage pattern. If a cardholder uses their credit card responsibly, pays their bills on time, and maintains a low credit utilization ratio, they may be eligible for a credit limit increase. On the other hand, if a cardholder misses payments or exceeds their credit limit, the bank may lower their credit limit.

To increase the credit limit of an SBI Pulse Credit Card, the cardholder can contact the bank’s customer service or visit the nearest SBI branch to request an increase. The bank may require additional documents and information to assess the cardholder’s eligibility for a credit limit increase.

In conclusion, the credit limit of an SBI Pulse Credit Card depends on various factors such as the applicant’s income, credit score, repayment history, and other eligibility criteria. The bank determines the credit limit based on these factors, and the credit limit can be increased or decreased based on the cardholder’s usage pattern and repayment behavior.

SBI Pulse Credit Card Customer Care Number

If you are an SBI Pulse Credit Card holder and need to contact customer care, you can call the following numbers:

  • SBI Card helpline number: 39 02 02 02 (prefix local STD code)
  • SBI Card customer care toll-free number: 1860 180 1290 (from mobile phones or landlines in India)
  • SBI Card customer care email: feedback@sbicard.com

The customer care service is available 24/7, so you can call at any time to get your queries resolved. When you call, you will be asked to provide your credit card number and other details for verification purposes. It is important to keep your credit card details confidential and not share them with anyone.

Alternatively, you can also visit the SBI Card website to access customer care services. The website has a ‘Contact Us’ section where you can find a list of frequently asked questions, as well as an online form to submit your queries or complaints. The website also has a live chat feature, which allows you to chat with a customer care representative in real-time to get your queries resolved quickly.

How to Apply for SBI Card PULSE

  • Visit the SBI Card website: To apply for SBI Card PULSE, visit the SBI Card website and click on the “Apply Now” button.
  • Fill in the Application Form: Fill in the application form with your personal and financial details. Make sure to provide accurate information, as this will be used to evaluate your creditworthiness.
  • Submit the relevant documents and wait for their reply. If they approve you then you will your card within 15 days after the application approval.

SBI Pulse Credit Card Review

In conclusion, the credit limit of an SBI Pulse Credit Card depends on various factors such as the applicant’s income, credit score, repayment history, and other eligibility criteria. The bank determines the credit limit based on these factors, and the credit limit can be increased or decreased based on the cardholder’s usage pattern and repayment behavior.

In conclusion, the SBI Pulse Credit Card offers a range of benefits and features that cater to the specific needs of customers who frequently use their credit cards for fuel purchases. With its reward points, fuel surcharge waiver, welcome offer, e-statements and SMS alerts, contactless payments, add-on cards, balance transfer, and Flexipay options, the SBI Pulse Credit Card is a great choice for those who want to save money on fuel purchases and earn rewards on other transactions.

SBI Card Pulse Health Card is a unique credit card offered by State Bank of India (SBI) that is specifically designed to cater to the healthcare needs of individuals and families. The card offers a range of benefits and features that can help cardholders manage their healthcare expenses in a more efficient and affordable manner.

Let’s take a closer look at the sbi pulse credit card benefits Health Card:

Health Benefits: The card offers a range of health benefits, including health check-ups, doctor consultations, and discounts on medicines and medical tests. Cardholders can also get access to telemedicine services and health coaching services, making it a comprehensive healthcare solution.

Reward Points: The card offers reward points on every transaction made using the card. These reward points can be redeemed for a range of products and services, including healthcare-related expenses.

Cashback: The card offers cashback on specific categories of spending, such as healthcare-related expenses. The cashback can be credited back to the cardholder’s account or redeemed for statement credit.

Discounts: The card offers discounts on various healthcare services, such as diagnostic tests, pharmacy purchases, and doctor consultations. These discounts can range from 5% to 25%, depending on the merchant and the type of spending.

Contactless Payments: SBI Card Pulse Health Card supports contactless payments, making it easy and convenient to make payments on the go. The card can be used at contactless-enabled terminals, allowing for a quick and secure payment experience.

Zero Annual Fee: The card comes with zero annual fees, making it affordable for all. There are also no joining fees or renewal fees, making it a great option for those looking for a low-cost credit card.

Overall, SBI Card Pulse Health Card is a great option for those looking for a comprehensive healthcare solution that can help them manage their healthcare expenses more efficiently and affordably.

The card offers a range of benefits and features, including health benefits, reward points, cashback, discounts, and contactless payments, making it a convenient and hassle-free experience. However, it is important to understand the terms and conditions of the card and use it responsibly to avoid accumulating debt.

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