Research coverage — 15/16 categories
SBI · Visa / Mastercard
SBI Card PULSE
Best forDining & Food Delivery
Earns10 RP/₹100 on dining
1st Year / Joining Fee
₹1,499 + taxes
Renewal Fee
₹1,499 + taxes
charged every year for SBI Card PULSE
Fee waiver
₹2,00,000
annual spend
Network
Visa / Mastercard
SBI
SBI Card PULSE
Visa / MastercardWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on dining and food delivery, where it earns 10 RP/₹100
- Annual fee is waived at ₹2,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Dining10 RP/₹100
Food Delivery10 RP/₹100
Education2 RP/₹100
Insurance2 RP/₹100
Utilities2 RP/₹100
All 16 reward categories · 15 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not eligible | — | Rent payment transactions (MCC 6513) earn no rewards per SBI policyDetails
|
| Education | 2 RP/₹100 | — | 2 Reward Points per ₹100 base rate on education spendsDetails
|
| Insurance | 2 RP/₹100 | — | 2 Reward Points per ₹100 base rate on insurance spendsDetails
|
| Utilities | 2 RP/₹100 | — | 2 Reward Points per ₹100 base rate on utility bill paymentsDetails
|
| Fuel | Not eligible | — | Purchases at petrol pumps/service stations (MCC 5172, 5541, 5542, 5983) excluded from rewardsDetails
|
| Groceries | 2 RP/₹100 | — | 2 Reward Points per ₹100 base rate on grocery retail spendsDetails
|
| Dining | 10 RP/₹100 | 7,500 RP per month | 10 Reward Points per ₹100 on dining (MCC 5812, 5813, 5814), shared monthly cap 7,500 RP across accelerated categories, then 2 RP/₹100Details
|
| Food Delivery | 10 RP/₹100 | 7,500 RP per month | 10 Reward Points per ₹100 on food delivery / fast food (MCC 5814), shared monthly cap 7,500 RP across accelerated categories, then 2 RP/₹100Details
|
| Shopping | 2 RP/₹100 | — | 2 Reward Points per ₹100 base rate on retail shopping spends (sports apparel MCC 5655 / sporting goods MCC 5941 earn 10 RP/₹100)Details
|
| Travel | 2 RP/₹100 | — | 2 Reward Points per ₹100 base rate on travel retail spendsDetails
|
| Government | 2 RP/₹100 | — | 2 Reward Points per ₹100 base rate on eligible government spendsDetails
|
| Wallet | No reward | — | —Details
|
| Railways | 2 RP/₹100 | — | 2 Reward Points per ₹100 base rate on railway ticket bookingsDetails
|
| FASTag | Varies | — | Depends on how the transaction is processedDetails
|
| Jewellery | 2 RP/₹100 | — | 2 Reward Points per ₹100 base rate on jewellery retail spendsDetails
|
| Telecom | 2 RP/₹100 | — | 2 Reward Points per ₹100 base rate on telecom spendsDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹1,499 + taxes
Renewal Fee
₹1,499 + taxes
charged every year for SBI Card PULSE
Fee waiver
₹2,00,000
annual spend
Reward caps
- Dining, Movies, Pharmacy & Chemist, Sports (accelerated reward points) — 7,500 RP / month (shared cap — Dining, Movies, Pharmacy & Chemist, Sports (accelerated reward points))
Spending thresholds
- Spend ₹2,00,000 per card year → annual fee waived
Key benefits
Rewards
10 RP/₹100 on dining
Fuel surcharge waiver
fuel petrol pumps excluded (1% fuel surcharge waiver on ₹500-₹4,000)
Foreign-currency markup
3.5% foreign-currency markup — Charged on every foreign-currency transaction (SBI Card PULSE)
Fee waiver
Annual fee waived on ₹2,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Dining, Movies, Pharmacy & Chemist, Sports (accelerated reward points) rewards are capped at 7,500 RP / month (shared cap — Dining, Movies, Pharmacy & Chemist, Sports (accelerated reward points))
- No reward on: Wallet
- Not eligible: Rent, Fuel
- Spend ₹2,00,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- Your spending is concentrated in dining, food delivery, education
- You can reach the ₹2,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, wallet, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 3 no-reward categories
Caps
- Dining, Movies, Pharmacy & Chemist, Sports (accelerated reward points) — 7,500 RP / month (shared cap — Dining, Movies, Pharmacy & Chemist, Sports (accelerated reward points))
Categories with no reward or not eligible
- Rent — Not eligible. Rent payment transactions (MCC 6513) earn no rewards per SBI policy.
- Fuel — Not eligible. Purchases at petrol pumps/service stations (MCC 5172, 5541, 5542, 5983) excluded from rewards.
- Wallet — No reward.
Milestones · 1 recorded
- Spend ₹2,00,000 per card year → benefit worth ₹1,499 — Annual fee waiver: the renewal fee is waived on annual spends of Rs.2 Lakh or more in the preceding year. Source: SBI Cards - Most Important Terms & Conditions, Section 1.A Annual Fees & Renewal Fees (fee table, pages 1-11).
Eligibility
Subject to SBI's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Visa / Mastercard
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: fuel petrol pumps excluded (1% fuel surcharge waiver on ₹500-₹4,000)
- Foreign-currency markup: 3.5% foreign-currency markup — Charged on every foreign-currency transaction (SBI Card PULSE). The exchange rate is determined by the network (VISA/Mastercard etc.) on the date the transaction is settled with SBI Card.
Other fees and charges
- Renewal fee ₹1,499 plus applicable taxes, charged every year for SBI Card PULSE
- Over-limit fee: 2.5% of the amount above the credit limit or ₹600, whichever is higher, charged once per billing cycle
- Payment dishonour fee: 2% of the payment amount, subject to a minimum of ₹500
- Cheque payment fee ₹200
- Card replacement fee between ₹100 and ₹250 depending on the card variant
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • FASTag — depends on how the transaction is processed
- • Lounge benefit — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-10-11
Verification coverage: 15 of 16 categories verified · 1 still being verified
Card record last checked: 2026-10-11
Documents used
SBI Card PULSE - Cardholder Agreement & Reward Point Program T&C · SBI-PULSE-TNC-2026 · 2026-10-11
SBI MITC · SBI MITC
SBI Cards - Most Important Terms & Conditions · SBI-MITC-UPLOAD-2026-10 · 2026-10-08