SBI Card · Mid
SBI Card PULSE
Where it ranks across all 187 cards
#18 Health & pharmacy
2.5%
direct
#25 Dining out
2.5%
direct
#32 Movies & events
2.5%
direct
#44 EMI
0.5%
direct
#58 Insurance
0.5%
direct
#61 Education
0.5%
direct
#68 Utility bills
0.5%
direct
#83 Jewellery & watches
0.5%
direct
#90 Gaming
0.5%
direct
#98 Mobile / broadband
0.5%
direct
#107 Train tickets
0.5%
direct
#113 Cabs & transit
0.5%
direct
#122 Other
0.5%
direct
#123 Electronics
0.5%
direct
#125 Flights
0.5%
direct
#125 Hotels
0.5%
direct
#129 Groceries
0.5%
direct
#130 Online shopping
0.5%
direct
#130 Fashion
0.5%
direct
#132 Food delivery
0.5%
direct
Get an email if this card changes - sign in.
'Pay your card outstanding with Reward Points. 4 Reward Points = Rs. 1' - SBI Card PULSE page, read in the rendered page 26 Sep 2026 (the site is client-rendered)
Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
0.50%base rate
2 pts / ₹100
source
Source: SBI Card PULSE - sbicard.com - read 26 Sep 2026
10 pts / Rs100 on dining, movies, pharmacy/chemist and sports
2.50%this rule
10 pts / ₹100
how it works & source
Sports spends also earn 10X; no sports category in our taxonomy yet.
Source: SBI Card PULSE T&C (bank PDF) - sbicard.com - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on4 exclusions
Fuel
earns nothing
No reward points on fuel/petrol pump spends.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: SBI Card PULSE T&C (bank PDF) - sbicard.com - read 25 Sep 2026
Rent
earns nothing
No reward points on rent payments (from 1 Apr 2024).
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: SBI Card rent-exclusion card list (bank PDF) - sbicard.com - read 26 Sep 2026
Government / tax
earns nothing
No reward points on government-related transactions (from 1 Jun 2024).
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: SBI Card govt-exclusion card list (bank PDF) - sbicard.com - read 26 Sep 2026
Wallet load
earns nothing
No reward points on e-wallet loads.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540, 6541
Source: SBI Card rewards FAQ (bank site) - sbicard.com - read 26 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.