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SBI Card

SBI Pulse

VisaMidCashback
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Annual Fee

₹1,499

Reward Type

Cashback

Forex

3.5%

Lounge

4 dom · 0 intl

Full Spec Sheet

Normalized · Verified

Fees

Joining Fee₹1,499
Annual Fee₹1,499(waived ≥ ₹2,00,000)
Min Monthly Income₹35,000

Rewards

Reward TypeCashback
Base Rate1.25%
Point Value₹1/point

Category Multipliers

health wellness5%(cap ₹2,500)pharmacy5%(cap ₹2,500)

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkVisa

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

IDBI Bank Royale Signature (95%) →HDFC Millennia (94%) →SBI Cashback Card (94%) →ICICI Sapphiro (94%) →SC Ultimate (94%) →

💡 Fee Waiver Strategy

Spend ₹2L to waive annual fee.

⚖️ Breakeven Analysis

To recover the ₹1,499 annual fee at the base reward rate of 1.25%, you need to spend ₹1,19,920 annually.

🎯 Pro Tips

  • ▸Best card for pharmacy & health spends
  • ▸5% cashback on Apollo, 1mg, Practo etc.

📊 Spending Scenarios - Real-World Returns

Health-conscious (₹35K/mo)

Monthly: ₹35,000 · Annual: ₹4,20,000

1.93%
Effective Return
health wellness: ₹8,000/mopharmacy: ₹3,000/mogrocery: ₹10,000/moother: ₹14,000/mo
Annual Rewards Value₹8,100
After Fee (₹1,499)+₹6,601

5% on health + pharmacy spends. 1.25% on rest.

🏷️ Best For

cashbacklifestyle