Is SBI Card PULSE good for travel?

SBI Card PULSE is a lifestyle card from SBI. It is not primarily a travel card, but may offer some travel benefits.

SBI • lifestyle

SBI Card PULSE

Q: What is the annual fee of SBI Card PULSE?

The annual fee for SBI Card PULSE is Rs.1499 + GST.

Q: How to apply for SBI Card PULSE?

You can apply for SBI Card PULSE online through SBI's website or through CreditIQ's unbiased apply link. Eligibility typically requires a credit score of 750+ and a minimum income as per bank criteria.

Honest review — No affiliate bias — Updated May 2026

CreditIQ Score

8.2

out of 10

Rs. 1,499

Annual Fee

Rs. 1,499

Joining Fee

Visa/Mastercard

Network

lifestyle

CreditIQ Verdict

The SBI Card PULSE is a lifestyle credit card from SBI with an annual fee of Rs.1,499. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on lifestyle categories and want to earn meaningful rewards.

Fees & Charges

Annual FeeRs. 1,499 + GST

Joining FeeRs. 1,499 + GST

Interest Rate42% per annum (3.33% per month)

Forex Markup3.5% on international transactions

Cash Advance2.5% of amount (min Rs. 500)

Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...

+ Spend on lifestyle regularly

+ Spend Rs.5,996+ per month

+ Have a good credit score (750+)

+ Meet the bank income criteria

Skip if you...

- Travel internationally often (high forex markup)

- Carry a balance month-to-month

- Are a first-time credit card user

- Already have a similar card

Frequently Asked Questions

What is the annual fee of SBI Card PULSE?

The annual fee is Rs.1,499 + GST. It is waived if you meet the annual spend threshold.

What is the reward rate on SBI Card PULSE?

SBI Card PULSE offers 1. Check the benefits section above for category-specific accelerators.

How to apply for SBI Card PULSE?

You can apply online through SBI's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.

Applying via CreditIQ

Zero affiliate bias. We show all cards equally — ranked by value, not commission.

Apply & Earn Compare with other cards

Quick facts

Annual feeRs.1,499

NetworkVisa/Mastercard

BankSBI

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