Doctor’s SBI Credit Card Review

Doctor’s SBI Card is a specially designed card for doctors. SBI has designed this card in association with IMA (Indian Medical Association). The main aspect of this card is to provide insurance to the doctors for their professional risks and liability. It also offers some benefits like big reward points, lounge access, the opportunity to earn some bonus rewards, fuel surcharge waiver, etc. Let’s take a closer look at its benefits. 

Eligibility Criteria:

** This card is specially designed for salaried or self-practicing doctors**

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65 yrs. 
    • Income: ₹1.50 lakh monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹1.50 lakh monthly. 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹1,499 + GST
  • Annual Fee: ₹1,499 + GST (can be waived off if ₹2 lakh is spent annually)


  • Welcome benefit:

With the issuance of the card and payment of the joining fee, you will get a voucher worth ₹1500 from as a welcome gift.

  • Reward benefit:

If you spend Rs.100 for medical supplies, bookings of travel tickets, and International purposes, you will get 5 reward points each time.

If you spend on Doctor’s day you will get 5 reward points for the same on all types of purchases.

If you spend Rs.100 for all other purposes you will get 1 reward point.

These reward points are redeemable and you can redeem these reward points through cash (4 reward points equal to Rs.1) or purchasing catalogs.

  • Lounge access:

This card offers 4 complimentary visits to international lounges under the priority pass program, you will get a maximum of 2 visits per quarter. 

You will get 8 complimentary lounge accesses to the domestic airports, you will have a maximum of 2 visits per quarter.  

  • Fuel surcharge waiver:

You will be able to get freedom from a 1% fuel surcharge. You can save only a maximum of ₹250 per statement cycle. The transaction amount should be between ₹500 to ₹4,000. 

  • Insurance Coverage:

This card comes with professional insurance coverage of ₹20 lakh. 

  • Milestone benefit:

If you spend ₹5 lakhs in a year you will get gift vouchers from, Bata, Shoppers worth ₹5000.

If you can spend ₹2 lakh within a year, then the annual fee for the next year will be waived off. 

  • Visa Privilege:

You will get exclusive benefits on hotel stays at over 900 luxury hotels in the world. 

This card offers 35% and 10% off on Avis and Hertz Car rentals. 

You will get a 15% discount on luxurious transfer service at airports, at a 20% discount on airport immigration service.  

  • Add on card:

You can add any 2 of your family members like parents, spouse, and siblings with the Doctor’s SBI Card as an add-on member. The member’s age should be 18 years (minimum).

  • Flexipay:

By using flexipay you can convert your transactions into easy monthly installments. 

  • Balance transfer:

You can Transfer your other bank credit card’s outstanding to your Doctor’s SBI Card and pay back it in EMIs with a lower interest rate.

  • Global acceptance:

Doctor’s SBI Card is accepted throughout the world. You can use it at almost any outlet or e-commerce site to make payments. 


  • Cash Withdrawal Charge: 2.5% against the transaction amount. 
  • Finance Charge: 3.50% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1800 180 1290 (toll free) 

         3902-0202 (add the STD code of your locality)

Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you are a doctor and if you want a credit card that suits your profession, then Doctor’s SBI Card is probably the best option for you. It offers professional insurance coverage of ₹20 lakh. You will also get reward points on every transaction, domestic and international lounge access, fuel surcharge waiver, etc. So, if you are a doctor and then this card can be a very good option for you. And if you are looking for a low-cost card then you can go for RBL Doctors Super Card

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