Travel on Points

Doctor’s IMA SBI Card

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  • Joining fee

    ₹1,499 + GST

  • Annual fee

    ₹1,499 + GST

  • Best suited for

    Health

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    Earn 1 Reward Point/₹100 On Regular Spends (Reward Rate Of 0.25%) And 5 Reward Points/₹100 On Medical Supplies, Travel Bookings, And International Spends (Reward Rate Of 1.25%). Additionally, Earn 5 Reward Points/₹100 On All Spends On Doctor’s Day

  • Welcome benefits

    Yatra Gift Voucher Worth ₹1,500

  • Reward redemption

    Reward points can be redeemed against an array of options from the reward point catalogue. 1 Reward Point = Rs. 0.25

Benefits

  • Domestic lounge

    4 Free Domestic Lounge Visits Each Year, Maximum 1 Per Quarter

  • International lounge

    4 Free Lounge Visits Each Year, Maximum 2 Per Quarter

  • Insurance

    Get Professional Indemnity Insurance Which Covers Up To ₹20 Lakhs Per Card And Includes Court Awards, Out-Of-Court Settlement Expenses, And Reimbursement Of Legal And Defence Costs

Fees & charges

  • Spend-based waiver

    Renewal Fee is reversed on annual spends of Rs. 2 Lakhs

  • Rewards redemption fee

    ₹99 + GST

  • Foreign currency markup

    3.5% + GST

  • Interest rates

    3.75% Per Month or 42% Per Year

  • Fuel surcharge waiver

    1% Waiver for Transactions Between ₹400 and ₹5,000

  • Cash advance charges

    2.5 % of the transaction amount or Rs. 500, whichever is lower

Product highlights

  • An e-Voucher worth Rs. 1,500 from Yatra is given as a Welcome Gift.
  • Earn 5x reward points on international transactions, medical supplies, and travel bookings.
  • Get 5x reward points on all spending on Doctor’s Day
  • Reversal of renewal fee on annual spend of Rs. 2 lakh
  • Professional Indemnity Insurance Cover of Rs. 20 Lakhs can be availed by cardholders
  • Complimentary Domestic Airport Lounge access 4 times a year
  • Complimentary International Airport Lounge access 4 times a year (maximum two visits in a quarter)
  • Get free membership access to the Priority Pass Program worth $99

Pros & cons

Pros

  • Good rewards for medical and international spending.
  • Insurance cover for doctors is included.

Cons

  • Normal daily spending gives low rewards.
  • Yearly fee if you don’t meet the spending condition.

FAQs

What is the annual fee charged on Doctor’s SBI Card?

You get charged an annual fee of Rs. 1,499 plus applicable taxes.

What is the interest rate on Doctor’s SBI Card?

The interest rate on Doctor’s SBI card is 3.5% per month i.e. 42% per annum

What is the value of 1 Reward Point that I earn using this card?

1 Reward Point is valued at Rs. 0.25

Will I have to pay the renewal fee on this card?

You will have to pay the renewal fee of Rs. 1,499. The renewal fee is waived off if you spend Rs. 2 Lakh in an annum.