SBI Pulse Credit Card 2025
10X Health Rewards
5% Swiggy Cashback
8 Lounge Visits
₹1,499 Fee
Save over ₹18,000+ every year with 10X health + 5% Swiggy + 8 lounges!
Best health + lifestyle card! SBI Pulse gives 10X reward points on health, 5% cashback on Swiggy, 8 lounge visits, and 1% cashback everywhere.
Perfect for health-conscious foodies!
Why Choose SBI Pulse in 2025?
10X health • 5% Swiggy • 8 lounge visits • 1% everywhere • Health insurance
Best for: Gym members, health insurance, food delivery, travelers
Card At a Glance
Joining Fee
₹1,499
₹1,499
Annual Fee
₹1,499
₹1,499
Reward Rate
10X Health | 5% Swiggy
10X Health | 5% Swiggy
Lounge Access
8/Year
8/Year
Forex Markup
3.5%
3.5%
Welcome Gift
10,000 RP
10,000 RP
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Reward Points | 10X Health | 5% Swiggy |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (up to ₹100) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 10X points on health (Apollo, Practo, gyms)
- 5% cashback on Swiggy, Swiggy Instamart
- 1% cashback on all other spends
- 10,000 welcome reward points
- 1 RP = ₹0.25 cashback
Airport Lounge Access
- 8 complimentary domestic lounge visits per year
- 2 visits per quarter
Insurance & Protection Benefits
- ₹5 Lakh health insurance
- ₹1 Crore air accident cover
- ₹10 Lakh personal accident cover
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10X health rewards | ₹1,499 annual fee |
| 5% Swiggy cashback | No fee waiver |
| 8 lounge visits | 3.5% forex markup |
| Health insurance | Health-focused |
| 10K welcome points |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹5 Lakh
- Credit Score: 740+ preferred
- Documents: PAN, Aadhaar, Income Proof
How to Apply Online (3-Minute Process)
- Visit SBI Card website
- Select Pulse → Apply
- Fill income details
- Video KYC verification
- Card + 10K points in 10 days
Final Verdict – Should You Get It in 2025?
Best health + lifestyle card! 10X health + 5% Swiggy + 8 lounges = ₹18,000+ value. Perfect for fitness lovers!
Frequently Asked Questions (FAQs)
10X on all health spends?
Yes! Apollo, Practo, gyms, pharmacies.
5% Swiggy guaranteed?
Yes! + Swiggy Instamart included.
8 lounge visits enough?
Yes! 2 per quarter domestic.
₹5L health insurance?
Yes! Complimentary coverage.
10K welcome points value?
₹2,500 cashback value!