SBI Pulse Credit Card

In today’s fast-paced world, financial flexibility and convenience are paramount. The State Bank of India, India’s most trusted and prestigious financial institution, understands the evolving needs of its customers. With this in mind, SBI proudly presents the SBI Pulse Credit Card, a financial companion designed to enhance your lifestyle, provide incredible rewards, and simplify your financial transactions.

The SBI Pulse Credit Card is more than just a payment tool; it’s a gateway to a world of exclusive privileges, tailored to meet the diverse needs and aspirations of modern consumers. This card is a testament to SBI’s commitment to innovation, reliability, and customer satisfaction.

Join us on a journey through this introduction to the SBI Pulse Credit Card, where we will explore its key features, benefits, and how it can transform your financial experience. Whether you’re an avid shopper, a frequent traveler, or someone who values simplicity in managing your finances, this card offers something for everyone.

Unlock a new level of financial freedom and discover the pulse of convenience, rewards, and security with the SBI Pulse Credit Card. Welcome to a world where your financial aspirations become reality.

Key Highlights of SBI Card PULSE

Annual fee Rs. 1,499 + taxes
Renewal fee Rs. 1,499 + taxes
Suitable for Travel & Rewards
Complimentary airport lounge access 8 domestic lounge visits (Up to 2 per quarter)
  • 10 reward points on spending per Rs. 100 on Chemist, Pharmacy, Dining & Movies
  • 2 reward points on spending per Rs. 100 on all other categories

Features and Benefits of SBI Pulse Credit Card


  1. Dual card functionality: Combines credit card and contactless card capabilities.
  2. Contactless payments: Convenient and secure transactions with a simple tap.
  3. Welcome rewards: Special rewards for new cardholders upon issuance.
  4. Reward points: Earn points for every transaction, redeemable for various rewards.
  5. Fuel surcharge waiver: Enjoy savings on fuel expenses at select petrol stations.
  6. Dining discounts: Exclusive discounts at partner restaurants for dining enthusiasts.
  7. EMI facility: Convert high-value purchases into easy monthly installments.
  8. Global acceptance: Use the card domestically and internationally with wide acceptance.
  9. Add-on cards: Extend card benefits to family members with additional cards.
  10. Online account access: 24/7 access to manage your card online, including payments and transactions.
  11. Zero lost card liability: Protection against unauthorized transactions on lost or stolen cards.
  12. Airport lounge access: Access to airport lounges worldwide for a more comfortable travel experience.
  13. Insurance coverage: Complimentary insurance coverage, including air accidental insurance and purchase protection.
  14. Credit limit flexibility: The option to request a credit limit increase when needed.
  15. Easy bill payments: Set up automatic bill payments for convenience.


  1. Versatile payment options with dual card functionality.
  2. Enhanced security with contactless payments and zero lost card liability.
  3. Earn rewards on everyday transactions for added value.
  4. Save on fuel expenses with the fuel surcharge waiver.
  5. Enjoy dining out more affordably with exclusive discounts.
  6. Manage larger expenses with the EMI facility.
  7. Travel with confidence thanks to global card acceptance.
  8. Share card privileges with family through add-on cards.
  9. Monitor and control your finances with online account access.
  10. Stay protected from unauthorized card use.
  11. Travel in style and comfort with airport lounge access.
  12. Gain peace of mind with complimentary insurance coverage.
  13. Adapt your credit limit to your changing financial needs.
  14. Simplify bill payments for various services.

SBI Pulse Credit Card Fees and Charges

  1. Joining Fee: This is a one-time fee charged when you first apply for the card. The exact amount may vary, and some promotions might waive this fee.
  2. Annual Fee: This is an annual charge for the card’s maintenance and access to its benefits and features. It is typically billed annually from the second year of card membership.
  3. Interest Charges: Interest is levied on the outstanding balance if you don’t pay the full amount on time. The interest rate can vary based on your card’s terms and conditions
  4. Cash Withdrawal Fee: When you use your credit card for cash advances at ATMs, there is usually a fee associated with this transaction, along with interest charges.
  5. Late Payment Fee: If you don’t make the minimum payment by the due date, a late payment fee is applied. The exact fee amount can depend on your outstanding balance and the terms of the card.
  6. Overlimit Fee: If you exceed your credit limit, an overlimit fee may be charged.
  7. Foreign Transaction Fee: When you make transactions in a foreign currency or abroad, a foreign transaction fee is typically applied.
  8. GST: Goods and Services Tax is applicable on various fees and charges associated with credit cards.
  9. Statement Retrieval Fee: If you request copies of your past statements, there may be a fee for this service.
  10. Card Replacement Fee: If your card is lost, stolen, or damaged, you may be charged a fee for getting a replacement card.
  11. Balance Transfer Fee: If you transfer outstanding balances from another credit card to your SBI Pulse Credit Card, a balance transfer fee may be applied.
  12. Cash Payment Fee: If you make a cash payment at an SBI branch to settle your credit card bill, there could be a cash payment fee.

SBI Pulse Credit Card Eligibility

1. Age Criteria: You should typically be within a certain age range to apply for an SBI credit card. The minimum age requirement is usually 18 years, and the maximum age can vary but is often around 65 years.

2. Income: SBI may have minimum income requirements for credit card applicants. The exact income threshold can vary based on the specific card and SBI’s policies at the time of application.

3. Credit Score: A good credit score is essential for credit card approval. SBI and most other banks look for a credit score above a certain minimum threshold. A higher credit score generally increases your chances of approval.

4. Employment Status

  • For Salaried Individuals: You should be a salaried employee with a regular source of income. You may need to provide proof of employment, such as salary slips and employment letters.
  • For Self-Employed Individuals: Self-employed applicants may need to provide business registration documents and income tax returns as proof of income.

5. Residential Status: Typically, you should be a resident of India to be eligible for an SBI credit card. Some cards may have specific requirements for non-resident Indians (NRIs).

Documents Required for SBI Pulse Credit Card

1. Identity Proof:

  • Aadhar Card
  • Passport
  • Voter ID Card
  • Driver’s License
  • PAN Card (Permanent Account Number)

2. Address Proof:

  • Aadhar Card
  • Passport
  • Voter ID Card
  • Driver’s License
  • Utility bills (electricity, water, gas, or landline telephone bills) not more than three months old
  • Bank account statement or passbook with the latest entries

3. Income Proof:

  • Salary slips or income certificate for salaried individuals
  • Income tax returns (ITR) or Form 16 for self-employed individuals
  • Bank statements showing regular income deposits

4. Passport-size Photographs: Recent passport-size color photographs may be required.

5. Duly Filled Application Form: You’ll need to complete the credit card application form provided by SBI.

6. Additional Documents: Depending on your employment type (salaried, self-employed), you may be asked to provide additional documents, such as employment letters, business registration documents, or financial statements.

7. KYC Documents: Know Your Customer (KYC) documents may also be required to comply with regulatory guidelines. This can include providing your PAN card, Aadhar card, and other KYC-related documents as requested.

8. Credit Score: While not a document, your credit score plays a significant role in the credit card application process. A good credit score increases your chances of approval.

How to Apply for SBI Pulse Credit Card

1. Check Eligibility:

Before applying, ensure you meet the eligibility criteria specified by SBI, including age, income, and credit score requirements.

2. Choose the Card:

Visit the SBI official website or visit an SBI branch to explore the available credit card options, including the SBI Pulse Credit Card. Choose the card that best suits your needs.

3. Prepare Required Documents:

Gather the necessary documents such as identity proof, address proof, income proof, photographs, and any other documents required by SBI for credit card applications. These may include your PAN card, Aadhar card, salary slips, bank statements, etc.

4. Online Application:

  • Visit the SBI official website and navigate to the credit card section. Look for the application form for the SBI Pulse Credit Card or the specific card you want to apply for.
  • Fill out the online application form with accurate information, including personal details, contact information, employment details, and income details. Double-check the information for accuracy.
  • Upload scanned copies of the required documents as part of the online application process.

5. Submission:

  • After completing the online application form and attaching the necessary documents, review your application carefully.
  • Submit the application electronically through the SBI website.

6. Application Verification:
Once you’ve submitted your application, SBI will review your application and the provided documents.

7. Follow Up:
Keep an eye on your email and mobile phone for any communication from SBI regarding your application. They may request additional documents or information during the review process.

8. Credit Check:
SBI will conduct a credit check to assess your creditworthiness as part of the approval process.

9. Approval or Rejection:
If your application is approved, you will receive an approval notification from SBI.

10. Card Delivery:
After approval, your SBI Pulse Credit Card will be processed and delivered to your registered mailing address.

11. Activation:
Once you receive your card, you’ll need to activate it as per the instructions provided by SBI.

Frequently Asked Questions (FAQs)

Q1: What is the SBI Pulse Credit Card?
A1: The SBI Pulse Credit Card is a specialized credit card offered by the State Bank of India (SBI) designed for frequent online shoppers and movie enthusiasts. It comes with specific features and benefits tailored to these interests.

Q2: What are the key features of the SBI Pulse Credit Card?
A2: The key features include accelerated rewards for online shopping and movie ticket purchases, milestone benefits, fuel surcharge waiver, and global acceptance. It is a contactless card for faster and secure transactions.

Q3: How can I apply for the SBI Pulse Credit Card?
A3: You can apply for the SBI Pulse Credit Card through the SBI official website, by visiting an SBI branch, or through other authorized channels. The application process typically requires proof of identity, address, and income.

Q4: What is the reward program associated with the SBI Pulse Credit Card?
A4: The card offers accelerated rewards on online shopping and movie spends. Cardholders earn reward points for every eligible transaction, and these points can be redeemed for various rewards, including merchandise and vouchers.

Q5: Are there any annual or joining fees for the SBI Pulse Credit Card?
A5: The fee structure may vary, and it is advisable to check the latest information on the SBI website or contact the bank directly for details on annual fees, joining fees, and any applicable charges.

Q6: Is there a welcome bonus for new SBI Pulse Credit Cardholders?
A6: The welcome benefits may vary, and SBI often introduces promotions for new cardholders. Check the latest offers and promotions on the official SBI website or contact customer service for the most up-to-date information.

Q7: How can I check my SBI Pulse Credit Card statement and manage my account online?
A7: SBI provides online banking facilities where you can log in to your account to check statements, pay bills, and manage your card. You can also use the SBI Card mobile app for convenient access to your credit card account.

Q8: Does the SBI Pulse Credit Card offer any insurance coverage?
A8: The card may provide certain insurance coverages, such as fraud protection and lost card liability. It is recommended to review the terms and conditions or contact SBI customer service for specific details on insurance benefits.

Q9: Can I use the SBI Pulse Credit Card internationally?
A9: Yes, the SBI Pulse Credit Card is generally accepted globally. It can be used for international transactions, and additional charges, such as currency conversion fees, may apply.

Q10: How do I contact SBI customer support for queries related to my SBI Pulse Credit Card?
A10: You can contact SBI customer support through the helpline numbers provided on the back of your credit card or visit the official SBI website for customer service contact details. Additionally, you can reach out to the nearest SBI branch for assistance.