Doctor's SBI Card
SBI
₹1,499
Joining fee
₹1,499, waived at ₹2L spend
Annual fee
Waived on minimum spend of Rs 2 lakh in the previous year (consistent with the IMA card's entry).
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹35,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 700+
Estimated — not officially confirmed by the bank.
Designed for medical professionals; professional registration/membership mandate not confirmed
Sources disagree: Finance charge discrepancy vs. the Doctor's IMA SBI Card entry: this page states 3.75%/month (45% p.a.) vs the IMA card's 3.75%/month (42% p.a.) — the monthly rate matches but the annualized figure differs. Fuel surcharge waiver range also differs: this card is Rs 500-4,000 capped Rs 250/month vs. the IMA card's Rs 400-5,000 (CardInsider).
Lounge access
Domestic: 4 visits yearly (max 1/quarter)
International: 4 visits yearly via Priority Pass membership (max 2/quarter)
Reward details
1 point per Rs 100 on other spends
- 5 points per Rs 100 (5X) on Medical supplies, travel bookings, overseas spends, Doctor's Day (July 1) transactions
- Rs 5 lakh minimum annual spend: Rs 5,000 e-gift voucher
Redemption
Against options from the Reward Catalogue
Ratio: Rs 0.25 per point
- Caps/exclusions not explicitly stated on this page — contrast with the IMA card's more detailed exclusion list, may indicate incomplete aggregator content rather than an actual difference in terms
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Complimentary Priority Pass membership; 5X rewards on medical/travel spends; 4 complimentary domestic lounge visits — Paisabazaar
Complaints
- Annual fee waiver requires a relatively high Rs 2 lakh spend; low reward redemption rate — Paisabazaar
Sources
- Official (not independently verified) — Dedicated 'Doctor's SBI Card' page (distinct from the IMA-branded page) not located; may route to the same or related SBI product pages as the IMA card
- Aggregator — fees, forex, lounge, rewards, sentiment