Our Review
AI Score9.2/10The SBI Card PULSE is a credit card that comes with a complimentary Noise ColorFit Pulse 4 Pro Max smartwatch (worth ₹7,999), 12 months of FITPASS PRO gym membership, 12 months of Netmeds First wellness membership, and 5X reward points on select spending categories.
Score Breakdown
Why this deal stands out
The free smartwatch alone is worth ₹7,999, effectively offsetting the joining fee. On top of that, you get a full year of premium fitness and wellness memberships bundled in — a combination that typically costs significantly more if purchased separately. The 5X reward points on pharmacy, sports, dining, and movies also make everyday spend far more lucrative than standard credit cards.
Who should buy this?
Health and fitness-conscious individuals who want a gym membership, regular pharmacy purchases, frequent diners, moviegoers, and anyone looking to get a smartwatch and fitness perks without paying extra out of pocket.
Who should skip this?
People who don't use gyms or wellness services regularly, those who don't eat out or watch movies often enough to benefit from the category-specific 5X rewards, and anyone already satisfied with their existing credit card's reward structure.
Pros
- High-value free smartwatch bundle
- Premium fitness and wellness memberships included at no extra cost
- Above-average reward multiplier on popular spending categories
Cons to consider
- Reward multipliers are limited to specific categories only; other spend earns standard rates
Real-world Use
Imagine signing up for the card, receiving the free smartwatch, and immediately getting a year of FITPASS access to multiple gyms. You use your phone for workouts tracked by the watch, order medicines via Netmeds earning 5X points, grab dinner with friends accumulating boosted rewards, and catch a weekend movie — all while the card pays you back substantially more than usual on these categories.
Price Opinion
The ₹7,999 smartwatch bundled for free effectively neutralizes the joining fee, making this one of the stronger sign-up bonuses currently available. The added gym and wellness memberships push the total package value well beyond what most competing cards offer at similar price points.
Comparable Alternatives
| Product | Approx. price | Best for |
|---|---|---|
| HDFC Cashback Credit Card | ₹500 joining fee | General spenders seeking flat cashback without category restrictions |
| ICICI Coral Credit Card | ₹1,000 joining fee | Travel and dining enthusiasts wanting flexible reward redemption |
Approximate prices are indicative only — we do not track these products, so check the current price on the merchant's site.
Frequently Asked Questions
Is the smartwatch really free?
Yes, the Noise ColorFit Pulse 4 Pro Max is provided free upon payment of the card's joining fee. It is not an additional purchase.
What does the 5X reward cover?
The 5X reward points apply specifically on spends at Chemist & Pharmacy outlets, Sports stores, Dining restaurants, and Movie ticket bookings. All other categories earn the card's standard reward rate.
Are the FITPASS and Netmeds memberships truly included?
Yes, both the 12-month FITPASS PRO gym membership and the 12-month Netmeds First membership come as part of the card benefits at no additional cost after card approval.
Final Verdict
WORTH BUYING“Excellent value — the free smartwatch plus bundled lifestyle memberships make this one of the most generous card sign-up offers right now, especially for fitness-oriented spenders.”
