By: OurMoneyGuide || Last updated on: May 15, 2024 

Doctor’s SBI Card is a credit card exclusively designed for doctors, and the only card launched in partnership with Indian Medical Association (IMA). It offers a variety of lifestyle benefits

Pros & Cons of Doctor’s SBI Card


  • Good card for doctors
  • Complimentary airport lounge access both in India and abroad


  • Reward rate on card spending is relatively low

Features & Benefits of the Doctor’s SBI Card

Free ‘professional indemnity insurance cover’ of ₹20 lakh

You get a complimentary ‘professional indemnity insurance cover’ of ₹20 lakh, which includes-
– Reimbursement of all legal & defense costs, out-of-court settlement expenses and court awards
– 0% of sum insured is deductible

Only credit card issued in partnership with Indian Medical Association (IMA)

SBI Card issues this card in partnership with IMA. IMA is the largest representative voluntary organisation of Doctors of Modern Scientific System of Medicine.

Complimentary airport lounge access outside India – 4 per year (maximum 2 per quarter)

You get free visits to international airport lounges, through the Priority Pass program – 4 times per year (maximum 2 times per quarter). 

Priority Pass is one of the leading global programs, which provides members access to a large number of airport lounges around the world.

Complimentary airport lounge access in India – 2 per quarter

You get free visits to airport lounges in India, 8 times per year (maximum 2 times per quarter). 

This benefit is brought to you through the Visa airport lounge program.

1.25% cashback on medical supplies || travel bookings || international spends

You get 5 reward points worth ₹1.25, on every ₹100 you spend in these categories.

1 reward point = ₹0.25, and can be redeemed as cashback against your credit card statement.

0.25% cashback on all other card spends

You get 1 reward point worth ₹0.25, on every ₹100 you spend on all other card transactions.

1 reward point = ₹0.25, and can be redeemed as cashback against your credit card statement

Upto 1% additional reward (milestone benefit)

You get a ₹5000 voucher, at ₹5 lakh annual card spend – 1% benefit.

You can choose between vouchers of or Bata or Shoppers Stop.

Fuel surcharge waiver upto ₹250 per month

You get 1% fuel surcharge waiver, on fuel transactions between ₹500 and ₹4000 only. And only on fuel spends upto ₹25000 per month, since the maximum waiver is capped at ₹250 per month.

SBI Card customer care

Please click here for all the options to contact the bank for various issues and escalations, including-
– Lost and stolen cards : you can block on your mobile app or internet banking OR through SMS option OR by calling customer care
– Complaints and grievances : including steps on how to escalate to higher levels in case your issue is not resolved
– Raise and manage disputes

3 lifetime-free add-on cards

You can get add-on cards for your parents, spouse, children or siblings above the age of 18 years. For more details, and important terms and conditions, please click here.

Doctor’s SBI Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹1499Welcome offers
– You get a Yatra voucher worth 1500, on joining.
Renewal fee from 2nd year onwards₹1499Renewal fee offer
– Annual fee is not charged from the 2nd year onwards, if you spend ₹2 lakhs or more in the previous year.

Late payment fee

Please refer to the below table for details

Amount dueLate Fee
 Less than ₹500Nil
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 to ₹25,000₹950
₹25000 to ₹50000₹1100
Over ₹50000₹1300

Foreign currency transaction fee

3.50% of the transaction value.

Finance charges

3.50% per month (42% p.a.).

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – SBI Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the SBI Credit Card, there are certain basic criteria that all applicants must fulfil.

Minimum age21 years
Maximum age70 years
OccupationCard issued to doctors, in partnership with Indian Medical Association (IMA)
Minimum income requirementsNot specified. Should have a regular source of income
Other criteriaGood credit score, preferably above 750

Application Process

Online application processThe easiest way to apply is to click here – APPLY NOW , you shall be taken to the card application page on the SBI Card website. You can also visit the official website of SBI Card and fill out the application form.

Steps :
– Fill out the online application form – personal details like mobile phone number, emplyment, income, Aadhar / PAN number
– Click ‘Submit’ and you will receive an instant decision on the application basis the information provided
– If your application is approved, you will receive a call from SBI Card team for verification
– Post necessary verification, the card is issued to you

Virtual card : In addition to this, SBI Card team will send an SMS on your registered mobile number with a link to generate your e-card. With this e-card you can view your credit card details digitally, even before your physical card reaches you, and start shopping online instantly.
Offline (face to face)  application processYou can visit any of the nearest branches of SBI Card, and talk to an executive regarding the process.

Necessary documents and verification

Required documents   – PAN card

– Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof

– Income documents – salary slip, income tax return etc. may be required depending upon the credit card eligibility & policy

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

Tracking your application status

Tracking credit card application status– You can track the status of your application on – ‘Track Application’ section.

– Please click here – Home page (and see top section of the page section named – ‘Track your application’) OR
– Please click here – Eapply page (and see bottom of the page section named – ‘Track Credit Card Application’)
You need to enter some basic information (like application number/ reference number, name, mobile number), to see the status of your SBI Card application