Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
The SBI Card Pulse launched by one of the largest banks in the country, the State Bank of India (SBI) is a fitness focused credit card, specifically designed for those who follow an active lifestyle. The annual fee of the card is Rs.1,499.
| Benefits | Reward Type |
|---|---|
| Welcome Gift | Get a Noise ColorFit Pulse Smart Watch worth Rs. 4,999 on joining |
| Health Benefits | Get one-year NetMeds membership complimentary and one-year FITPASS PRO membership. |
| Reward Points |
|
| Insurance Cover |
|
| Milestone Benefits |
|
| Lounge Benefits |
|
| Fuel Benefits | Get 1% fuel surcharge waived o transactions between Rs.500 to Rs.4,000 |
| Add-on Cards | Get add-on cards with SBI Pulse |
| Contactless Benefit | Tap your card at a screen reader for daily transactions |
| Fee Type | Charge |
|---|---|
| Annual Fee | Rs.1,499 + taxes |
| Renewal Fee | Rs. 1,499 + taxes |
| Add-on Fee | Nil |
| Cash Advance Fee |
|
| Finance Charges | 3.50% per month or 42% per annum |
| Payment dishonor fee | 2% of the payment amount; minimum of Rs.450 |
| Statement request | Rs.100 per statement (more than 2 months old) |
| Cash payment fee | Rs.250 |
| Late payment |
|
| Cheque payment fee | Rs.100 |
| Over limit fee | 2.5% of the over limit amount; minimum of Rs.600 |
| Rewards redemption fee | Rs.99 |
| Foreign currency transaction | 3.50% |
The eligibility criteria for SBI Pulse Card are as follows:
The following documents are required for SBI Pulse Card:
The SBI Pulse Card gives its customers the facility to convert the outstanding balance into easy EMIs at a low rate of interest. To avail of this service, the customer is required to log into sbicard.com with valid username and password.
Follow the steps mentioned below to avail the Balance Transfer on EMI facility:
Alternatively, you can call up the SBI card helpline at 39 02 02 02 (prefix local STD code) /1860 180 1290 (from BSNL/MTNL lines) and make a request to avail ‘Balance Transfer on EMI’ facility.
The SBI Pulse Card gives its customers the ‘Flexipay’ facility. The ‘Flexipay’ facility allows the user to convert transactions worth Rs.2,500 or more into easy monthly installments. To avail of this service, the customer is required to log into sbicard.com and convert the transaction in to ‘Flexipay’ within 30 days of purchase.
Follow the steps mentioned below to avail the Flexipay facility:
Alternatively, you can call up the SBI card helpline at 39 02 02 02 (prefix local STD code) /1860 180 1290 (from BSNL/MTNL lines) and make a request to avail the ‘Flexipay’ facility.
The SBI Pulse Card also gives its customers the option to avail easy money for short tenure at a comparatively low rate of interest. With the ‘Easy Money’ option, the funds get delivered to the customer’s doorstep via cheque or draft against the cash limit. The customer can also take an instant transfer to the bank account via NEFT.
Follow the steps mentioned below to avail the Easy Money facility:
Alternatively, you can call up the SBI card helpline at 39 02 02 02 (prefix local STD code) /1860 180 1290 (from BSNL/MTNL lines) and make a request to avail the ‘Easy Money’ facility.
No, the add-on card holder cannot avail the Flexipay facility.
Yes, the contactless payment mode allows payment up to Rs.5,000 only. For payments above Rs.5,000, the customer has to swipe the credit card.
Yes, you can repay the amount before the EMI tenure ends. However, a charge of 3% on the outstanding principal + GST will be applicable.
A minimum amount of Rs.5000 and maximum of up to 75% of the available cash limit can be availed using the ‘Easy Money’ facility.
No, the add-on card holder cannot apply for the ‘Easy Money’ service.
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