SBI Pulse Credit Card: Ek Fitness aur Lifestyle ke liye Perfect Card  

Namaste doston! Aaj ke fast-paced zindagi mein, hum sab chahte hain ki humara lifestyle na sirf convenient ho, balki healthy bhi rahe. Aur jab baat credit cards ki aati hai, toh "SBI Pulse Credit Card" ek aisa option hai jo na sirf aapke financial needs ko pura karta hai, balki aapki fitness aur wellness goals ko bhi support karta hai. Yeh card State Bank of India (SBI) ka ek unique offering hai, jo specially fitness enthusiasts ke liye design kiya gaya hai. Is article mein hum aapko is card ke baare mein sab kuch batayenge – iske benefits, kaise apply karna hai, eligibility criteria, aur bhi bohot kuch! So, chaliye shuru karte hain!

Kya Hai SBI Pulse Credit Card?

SBI Pulse Credit Card ek fitness aur wellness-focused credit card hai jo SBI Card ne launch kiya hai. Yeh card un logon ke liye perfect hai jo apni health aur fitness ko priority dete hain. Isme aapko sirf shopping ya travel ke benefits hi nahi, balki health-related perks bhi milte hain, jaise ki complimentary smartwatch, gym memberships, aur pharmacy spends par rewards. Iska annual fee bhi reasonable hai, aur agar aap iska smartly use karte hain, toh yeh aapke liye ek value-for-money card ho sakta hai.

Key Highlights of SBI Pulse Credit Card:

Welcome Gift: Joining fee pay karne par Noise ColorFit Pulse 4 Pro Smartwatch (worth ₹7,999) ya Noise ColorFit Pulse 2 Max Smartwatch (worth ₹5,999) milta hai.

Health Benefits: 1-year complimentary FITPASS PRO aur Netmeds First membership.

Reward Points: Pharmacy, dining, movies, aur sports spends par 10 reward points per ₹100, aur baki spends par 2 reward points per ₹100.

Lounge Access: Saal mein 8 complimentary domestic lounge visits (2 per quarter).

Fee Waiver: Agar aap ek saal mein ₹2 lakh ya zyada spend karte hain, toh renewal fee (₹1,499 + taxes) waive ho jata hai.

SBI Pulse Credit Card ke Fayde

SBI Pulse Credit Card apne unique benefits ke wajah se market mein kaafi popular hai. Yeh card aapko financial flexibility ke saath-saath fitness aur lifestyle ke perks bhi deta hai. Chaliye, iske kuch major benefits ko detail mein dekhte hain:

1. Welcome Gift – Smartwatch ka Bonus

• Jab aap is card ke liye apply karte hain aur joining fee (₹1,499 + taxes) pay karte hain, toh aapko ek Noise ColorFit Pulse Smartwatch milta hai, jiska market value ₹4,999 se ₹7,999 tak hai. Yeh smartwatch aapki fitness ko track karne mein madad karta hai, jaise ki heart rate, sleep monitoring, aur blood oxygen level (SpO2) check karna.

2. Complimentary Memberships

• FITPASS PRO Membership: Is card ke saath aapko 1 saal ka FITPASS PRO membership free milta hai, jisme aap 4000+ gyms aur fitness studios mein workout kar sakte hain. Saath hi unlimited online fitness sessions bhi available hain, jaise yoga, cardio, aur pilates.
• Netmeds First Membership: Medicines online order karne ke liye 1 saal ka Netmeds First membership bhi free milta hai, jo aapke healthcare expenses ko aur bhi affordable banata hai.

3. Reward Points Program

SBI Pulse Credit Card ka rewards program bhi kaafi attractive hai:

• 10 Reward Points har ₹100 ke spend par jab aap pharmacy, dining, movies, ya sports-related purchases karte hain.
• 2 Reward Points har ₹100 ke baki sabhi retail spends par.
• Reward points ko aap Shop n Smile catalogue ke through redeem kar sakte hain, jisme electronics, clothing, hotel bookings, aur shopping vouchers jaise options hain. 4 reward points = ₹1 cash value.

4. Airport Lounge Access

• Travel karne walon ke liye yeh card ek bonus hai! Aapko saal mein 8 complimentary domestic lounge visits milte hain (2 per quarter), jo aapke travel experience ko aur comfortable banate hain.

5. Insurance Benefits

• Fraud Liability Cover: Agar aapka card kho jata hai ya fraud hota hai, toh ₹1 lakh tak ka cover milta hai (reporting ke 48 hours pehle se 7 din baad tak valid).
• Air Accident Cover: ₹50 lakh ka complimentary air accident cover (Note: Yeh cover 15 July 2025 se discontinue ho jayega).
• Travel-Related Covers: Lost baggage, baggage damage, aur travel documents ke loss par bhi coverage milta hai.

6. Fuel Surcharge Waiver

Har transaction (₹500 se ₹4,000 ke beech) par 1% fuel surcharge waiver milta hai, maximum ₹250 per statement cycle. Yeh aapke fuel expenses mein bhi saving karta hai.

SBI Pulse Credit Card ke liye Kaise Apply Karein?

SBI Pulse Credit Card ke liye apply karna bohot hi simple hai. Aap online ya offline dono tarike se apply kar sakte hain. Niche step-by-step process diya gaya hai:

Online Application Process

1. Visit SBI Card Website: SBI Card ki official website (www.sbicard.com) par jayein.

2. Select SBI Pulse Card: ‘Apply’ section mein jayein aur ‘SBI Pulse Credit Card’ choose karein.

3. Click on Apply Now: ‘Apply Now’ button par click karein aur ‘Start Apply Journey’ option select karein.

4. Fill Details: Personal details, professional details, aur KYC information bhar dein.

5. Submit Documents: Required documents upload karein aur application submit karein.

6. Verification: SBI team aapke application aur documents verify karegi, aur approval ke baad card aapke address par deliver ho jayega.

Offline Application Process

1. Apne nazdeeki SBI branch mein visit karein.

2. SBI Pulse Credit Card ke liye application form bhar dein.

3. Required documents jama karein.

4. Branch executive aapke application ko process karega.

Pro Tip: Application ke time apna credit score check kar lena chahiye. 750+ credit score wale applicants ke approval chances zyada hote hain.

SBI Pulse Credit Card ke liye Important Documents

SBI Pulse Credit Card ke liye apply karne ke liye aapko kuch basic documents ki zarurat hogi. Ye documents aapke application process ko smooth banayenge:

• Identity Proof: PAN card, Aadhaar card, passport, ya voter ID.
• Address Proof: Electricity bill (3 months se purana nahi), Aadhaar card, ya passport.
• Income Proof: Latest 3 months ke salary slips, bank passbook records, ya income tax return.
• Photographs: Passport-size photos.
• Duly Signed Application Form: Online ya offline form, jo bhi aap submit kar rahe hain.

Eligibility Criteria for SBI Pulse Credit Card

SBI Pulse Credit Card ke liye apply karne ke liye aapko kuch eligibility criteria fulfill karne honge:

• Age: Applicant ki age 18 se 60 saal ke beech honi chahiye.
• Income: Stable income source hona chahiye (salaried ya self-employed dono eligible hain).
• Credit Score: 750 ya usse zyada credit score recommended hai.
• Nationality: Indian citizen hona chahiye.
• Employment Status: Salaried ya self-employed individuals apply kar sakte hain.

Note: Exact eligibility criteria bank ke internal policies par depend karta hai, isliye SBI se directly confirm karna better hai.

Fees aur Charges

SBI Pulse Credit Card ke fees aur charges ko samajhna zaroori hai taaki aap iska smartly use kar sakein:

Joining Fee: ₹1,499 + GST

Annual/Renewal Fee: ₹1,499 + GST (waived if annual spend exceeds ₹2 lakh)

Finance Charges: 3.5% per month (42% per annum) on outstanding balance.

Cash Withdrawal Fee: 2.5% of the amount (minimum ₹500).

Forex Markup Fee: 3.5% on international transactions.

Rewards Redemption Fee: ₹99 (only for physical statements or product redemption).

Additional Features of SBI Pulse Credit Card

Yeh card sirf fitness ke liye nahi, balki aur bhi kaafi features deta hai jo aapke lifestyle ko enhance karte hain:

Flexipay Facility: ₹2,500 ya usse zyada ke transactions ko easy EMIs mein convert kar sakte hain. Iske liye aapko purchase ke 30 din ke andar sbicard.com par request karni hogi.

Balance Transfer on EMI: Outstanding balance ko low-interest EMIs mein convert karne ka option.

Contactless Payments: Fast aur secure payments ke liye contactless technology (up to ₹5,000 per transaction).

Global Acceptance: Yeh card Visa platform par kaam karta hai, jo worldwide accept hota hai.

FAQs about SBI Pulse Credit Card

Q Simplest Way to Apply for SBI Pulse Credit Card?  

A: Simplest way hai online apply karna. SBI Card ki website par jayein, ‘Apply Now’ par click karein, SBI Pulse Card select karein, aur personal, professional, aur KYC details bhar dein. Documents upload karke submit karein.

Q Is SBI Pulse Credit Card Free?  

A: Nahi, yeh card free nahi hai. Iske liye ₹1,499 + GST joining fee aur same amount ka annual fee hai. Lekin agar aap ek saal mein ₹2 lakh ya zyada spend karte hain, toh renewal fee waive ho jata hai.

Q Kya Add-on Cardholder Flexipay Facility Use Kar Sakta Hai?  

A: Nahi, add-on cardholder Flexipay facility use nahi kar sakta. Yeh facility sirf primary cardholder ke liye available hai.

Q SBI Pulse Credit Card ka Credit Limit Kya Hai?  

A: Credit limit aapke income, credit score, aur SBI ki internal policies par depend karta hai. Usually, yeh ₹40,000 se ₹10 lakh tak ho sakta hai. Aap isse welcome kit ya online account mein check kar sakte hain.

Q Kya Yeh Card Fitness ke Alawa Bhi Benefits Deta Hai?  

A: Haan, yeh card fitness ke saath-saath dining, movies, aur travel benefits bhi deta hai, jaise lounge access aur reward points. Lekin iska primary focus health aur wellness par hai.

Conversational Keywords

• SBI Pulse Credit Card benefits
• Fitness-focused credit card
• Noise ColorFit Smartwatch
• FITPASS PRO membership
• Netmeds membership
• Reward points SBI card
• Domestic lounge access
• Apply for SBI Pulse Card
• SBI credit card eligibility
• Health and wellness card

Conclusion

SBI Pulse Credit Card ek aisa card hai jo fitness aur lifestyle ke perfect balance ke liye banaya gaya hai. Iska welcome gift, complimentary memberships, aur reward points isse ek attractive option banate hain, especially un logon ke liye jo apni health ko seriously lete hain. Iske saath hi, lounge access aur fuel surcharge waiver jaise features isse ek all-rounder card banate hain. Agar aap ek aisa credit card dhoondh rahe hain jo aapke financial aur fitness goals dono ko support kare, toh SBI Pulse Credit Card ek badhiya choice ho sakta hai.

Toh, kya aap is card ke liye apply karne ka soch rahe hain? Comment mein batayein aur agar koi sawal hai, toh humein poochhna na bhoolen! Apply karne ke liye, visit karein.