SBI Card PULSE

Lounge access

Domestic lounge access.

Verified · SBI Card PULSE product page · 2026-08-02 · source

Forex markup

• Foreign Currency Transaction Fee: 3.5%.
• Dynamic Currency Conversion Fee: 3.5% (on transactions >= ₹1,000).

Verified · Most Important Terms & Conditions (MITC) - common to all SBI Cards · 2026-08-02 · source

Charge

• Cash Advance Fee: 2.5% of transaction amount subject to minimum ₹500 (domestic & international ATMs).
• Finance Charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
• Minimum finance charge ₹25.
• Cash Payment Fee: ₹250 + taxes.
• Payment Dishonor Fee: 2% of payment amount (minimum ₹500).
• Cheque Payment Fee: ₹200.
• Over Limit Fee: 2.5% of overlimit amount (minimum ₹600).
• Late Payment Charges: Nil for ₹0-100.
• ₹100 for >₹100-500.
• ₹500 for >₹500-1,000.
• ₹750 for >₹1,000-10,000.
• ₹950 for >₹10,000-25,000.
• ₹1,100 for >₹25,000-50,000.
• ₹1,300 for >₹50,000.
• Plus additional ₹100 on missing MAD for two consecutive cycles.
• Dynamic Currency Conversion Fee: 3.5%.
• Card Replacement Fee: ₹100-₹250.
• Rent Payment Processing Fee: ₹199 (MCC 6513).
• Utility Payments Fee: 1% if total utility payments exceed ₹50,000 in a billing cycle (w.e.f. 1st Dec 2024).
• Fee on Education Payments via third-party apps: 1% (w.e.f. 1st Nov 2025).
• Fee on Wallet Load exceeding ₹1,000: 1% (w.e.f. 1st Nov 2025).
• Add-on Fee: Nil.
• Rewards Redemption Fee: ₹99.

Verified · Most Important Terms & Conditions (MITC) - common to all SBI Cards · 2026-08-02 · source

Interest-free period

20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).

Verified · Most Important Terms & Conditions (MITC) - common to all SBI Cards · 2026-08-02 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver (excluding GST) provided for eligible transaction value on select cards.
• Fuel surcharge is 1% of transaction amount plus applicable taxes.

Verified · Most Important Terms & Conditions (MITC) - common to all SBI Cards · 2026-08-02 · source

Redemption value

• Rewards Redemption Fee: ₹99 (applicable only on Physical products, Statement Credit & on Vouchers sent physically).
• Reward Points valid for 24 months and forfeited on the last day of the 24th month if not redeemed.

Verified · Most Important Terms & Conditions (MITC) - common to all SBI Cards · 2026-08-02 · source

Official terms

https://www.sbicard.com/en/personal/credit-cards/sbi-card-pulse.html.

Verified · SBI Card PULSE product page · 2026-08-02 · source