An annual earning scenario is available below. Redemption conditions and benefits outside that scenario still need confirmation.
SBI Card PULSE
Review SBI Card PULSE fees, features, annual savings, missed-payment cost and alternatives using your own spending. The calculation shows both the rewards you may gain and repayment costs that can erase those gains.
Calculation coverage & fees
Complete card facts
Calculation coverage
Annual earning evidence & conditions
Annual scenario review · 2026-09-16
Annual earning model available
Eight personal cards; repeated-month eligible-spend scenarios, not full-profile verification. Welcome, birthday, membership and milestone benefits excluded.
The annual calculator uses repeated eligible domestic spending and standard renewal fees. It shows the documented cash route, a clearly labelled reference estimate, or points with your selected redemption quote. Vistara projections stop at the programme closure date. This review does not certify every benefit, offer or account condition.
See this card’s annual resultRedemption evidence & open checks
Research coverage
What has been checked for this card?
We keep issuer research separate from the calculator so an unresolved cap, exclusion or redemption route can never become an invented rupee saving.
Features & benefits
What this card can offer
These features come from the issuer information used for this card's automatic calculation profile. Check the calculation notes for restrictions and unresolved rules. Reward value may be limited to vouchers or travel rather than cash.
Annual earning model available
Uses eligible monthly purchases, transaction rounding and supported caps. Welcome, renewal gifts, birthday and milestone benefits are excluded.
Statement credit
4,000-point redemption blocks, monthly redemption limit and processing charges apply.
₹1,499 annual renewal fee
Before GST. Conditional renewal waiver at ₹2,00,000 eligible preceding-year spending.
Your money
See savings, fees and the cost of paying late
Annual value comparison
Use your real monthly spending. The same inputs are compared across available monetary models; profiles with unresolved rules are withheld.
Compare this card with all 87Card overview
What SBI Card PULSE is designed to offer
SBI Card PULSE appears in the Accurate Paisa directory under Health & wellness. This classification helps compare cards designed for similar spending, but your real return depends on eligible merchants, caps, exclusions, redemption and whether you pay an annual fee.
Health & wellness
Wellness cards may combine pharmacy, healthcare or fitness benefits with ordinary card rewards and partner restrictions.
Transparent rules
How Accurate Paisa calculates its value
Your monthly spending is annualised, then the recorded reward rates, caps and milestone rules are applied. Eligible fee waivers are checked before the annual fee and GST are subtracted. The outcome is a rupee estimate and effective return, not a promise of earnings.
- ✓Recurring estimate repeats this eligible monthly pattern for 12 cycles, with unused category caps. Each category is one transaction unless detailed amounts are supplied. Actual statement dates, MCCs, posting and reversals can change results.
- ✓Only eligible domestic personal retail is modelled. Exclude EMI, rent, wallets, cash, fees, government payments, gaming and excluded merchants. Generic UPI is unvalued unless the applicable merchant-payment option is confirmed. Welcome gifts, birthday rewards, milestone vouchers, lounges and memberships are excluded.
- ✓Renewal fee and redemption charges include 18% GST. Waiver assumes entered non-fuel/non-UPI retail qualifies under your account terms; confirmed BPCL fuel also counts for BPCL cards. The bank decides actual eligible spending. This is a renewal-year estimate, not a joining-year offer.
- ✓Utility MCC 4900 spending above ₹50,000/cycle attracts 1% on the whole utility amount plus GST; telecom is separate. Fuel surcharge and waiver, merchant charges and foreign exchange are not included.
- ✓Statement credit at ₹0.25/point, in 4,000-point blocks, maximum 60,000 points/calendar month from 1 April 2026. Assumes planned batches across enough months, sufficient card outstanding and redemption before 24-month expiry; last-cycle points may post later. Each batch costs ₹99 + GST (₹116.82). Remainder points are not counted as redeemed value.
- ✓PULSE: 10 points/₹100 for eligible dining/pharmacy share 7,500 points/month, then 2/₹100; mixed Apollo consultations/tests use base points unless all health spending is confirmed pharmacy. Movies and other accelerators are not inferred.
Do not spend more just to reach a reward or fee waiver. Credit-card finance charges can be several times larger than ordinary reward rates, so paying the full statement balance by the due date is the most important assumption behind a positive card-value estimate.
Questions & answers
Frequently asked questions
What type of card is SBI Card PULSE? +
It is listed by SBI Card under Health & wellness. Approval and the application route remain subject to the issuer's current rules.
How is the annual value of SBI Card PULSE calculated? +
Where a supported estimate is available, Accurate Paisa applies the recorded reward conversion, caps, fees and assumptions to your annual spending. Redemption restrictions can reduce the value you realise.
How is net card value calculated? +
Net annual value equals usable rewards plus eligible milestone value, minus the annual fee with GST and modelled transaction and redemption charges.
What happens if I miss a payment? +
Interest may apply to the unpaid balance, a late fee and GST may be charged, and the interest-free period can be lost. Use the estimator below with your statement figures.
Does the highest saving always mean the best card? +
No. Approval, acceptance, support, redemption, foreign-exchange charges and your ability to repay the full statement balance also matter.
Cardholder voice
Value, support and owner experience
No moderated cardholder rating is published yet. Accurate Paisa keeps its mathematical value score separate until enough real reviews are available.
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