Doctor's IMA SBI Card
SBI
Free
Joining fee
Free
Annual fee
Reversed/waived upon annual spending of Rs 2 lakh.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Designed for medical professionals; IMA (Indian Medical Association) membership requirement could not be confirmed as mandatory or optional
Sources disagree: Interest rate discrepancy: CardInsider states 3.75% monthly (42% annually) for this card, while Paisabazaar's separate 'Doctor's SBI Card' page states 45% p.a. — may reflect confused/overlapping sourcing between the two similarly-named products.
Lounge access
Note: No spend conditions mentioned by either source for lounge access
Domestic: 4 visits annually (max 1/quarter)
International: 4 visits annually via Priority Pass Program (max 2/quarter)
Reward details
1 point per Rs 100 standard spending (0.25% value)
- 5 points per Rs 100 (1.25% value, 5X) on Medical supplies, travel bookings, international spending, Doctor's Day (July 1) transactions
Welcome bonus: Rs 1,500 Yatra travel voucher
- Rs 5 lakh annual spend: e-Gift voucher worth Rs 5,000 (Yatra/Bata/Shoppers Stop)
Redemption
Ratio: 1 point = Rs 0.25
Excluded from rewards: balance transfers, cash advances, fees, disputed transactions, fuel, merchant EMI, rent, government payments
- Professional Indemnity Coverage of Rs 20 lakh per card, including legal/defense costs, out-of-court settlements, and court awards
- Reward redemption fee Rs 99 + GST
- Cash advance charge 2.5% or Rs 500 (whichever is lower, per CardInsider)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Good rewards for medical and international spending; integrated professional indemnity insurance coverage valued — CardInsider
Complaints
- Limited availability/awareness at SBI branches reported by users; lounge access rejection issues reported by users; low rewards for everyday/daily spending — CardInsider
Sources
- Official (blocked when last checked) — headline benefits only via meta-description
- Aggregator — fees, forex, lounge, rewards, sentiment