SBI Doctor’s Credit Card Review

The doctors sbi credit 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 sbi doctor credit card is to provide insurance to the doctors for their professional risks and liability. It also offers some benefits like assured rewards on every transaction, complimentary priority pass membership, handsome monthly waivers on fuel surcharges, etc. Let’s take a closer look at the sbi doctors card benefits.

How does the sbi doctor credit card eligibility work?

This is a specially designed sbi credit card for doctors.

  • Resident Type: Indian. 
  • SBI doctors card eligibility criteria For salaried person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 1.50 lakh monthly. 
  • SBI doctor’s credit card eligibility for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 2 lakh monthly. 
  • A CIBIL score of 700+ is needed to apply for the sbi doctors card.

You can apply for this card from the sbi credit card online application portal. If you want to know how to apply sbi credit card online then make sure to take a look at our faq page.

What documents are required to apply for a sbi credit card

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

As per the rbi rules for credit card issuers, all new credit cards are now delivered in an inactive state. So if you want to know how to activate sbi credit card for the first time, then make sure to take a look at our faq page.

What are the sbi doctor credit card fees?

  • SBI doctors credit card joining fee: Rs. 1,499 + GST
  • Doctors sbi card annual fee: Rs. 1,499 + GST 

What are the sbi doctor card benefits?

  • Get started with a huge joining bonus:

As you activate your sbi credit card for the first time and pay your first-year joining fee, you will receive a sbi credit card welcome gift voucher worth Rs.1500 from Yatra as a welcome gift.

  • Make your transactions more rewarding:

Every transaction with this card can earn you useful sbi credit card reward points. Find out more below.

Category of transaction

SBI credit card points for every Rs.100 spent

Medical supplies, travel, and international transactions

5X sbi card rewards

Spend made on doctors’ day

5X rewards

Regular credit card transactions

1 reward point

You can use your rewards to get a product from the sbi credit card reward catalogue.

  • Enjoy complimentary sbi doctors card lounge access facility:

With this doctors card sbi offers a complimentary priority pass membership, that offers you up to 4 free yearly access (2 per quarter) to over 1000+ airport lounges worldwide.

  • Get freedom from sbi credit card fuel surcharges:

This sbi credit card offers a 1% waiver on fuel surcharges across all fuel stations in India. You can save only a maximum of Rs. 250 per sbi credit card statement cycle. The transaction amount should be between Rs.500 to Rs.4,000.

  • Complimentary sbi credit card insurance coverage:

With this doctors credit card sbi offers professional insurance coverage of Rs.20 lakh for legal and defense costs. To claim the benefits of the coverage you can contact the sbi credit card customer care executive

  • Get an opportunity to earn some extra:

This sbi visa signature credit card also offers extra benefits based on your usage.

Credit card usage


Rs.5 lakh in a year

Rs.5,000 gift voucher (you can take your pick from premium brands like Yatra, Bata, Shoppers Stop)

Rs.2 lakh in a year

A complete waiver on your next year’s sbi credit card yearly charges

  • Enjoy attractive privileges from Visa:

Here are the visa offers on the doctor’s sbi card.



Car rental

10% discount on Hertz car rental and 35% savings on Avis car rental

Airport transfer service

15% off on Limo transfer service

Airport immigration service

20% discount at over 450+ destinations across the globe

  • Enjoy easy bill splitting:

Using this flexi pay sbi credit card high-value transactions can be converted into small monthly installments. You can also calculate the monthly installment amount from the sbi credit card emi calculator.

  • Instant sbi credit card bill payment options:

You can pay sbi credit card bill online from your sbi card netbanking account or by using any credit card payment app like Cred, Paytm, PhonePe, Google Pe, etc.

What are the sbi bank credit card charges?


Payable Amount

SBI credit card cash withdrawal charge

2.5% against the transaction amount. Check your sbi credit card cash withdrawal limit before making a withdrawal.

SBI bank card finance charge

The sbi credit card interest rate is 3.50% monthly (applicable if your sbi credit card payment is not made in time)

SBI credit card international transaction charges

3.5% against the transaction amount.

SBI add-on credit card fee

None, free for a lifetime.

How to contact the sbi customer care helpline department?

  • Call the sbi credit card toll-free no: 1860-180-1290 / 022-3902-0202 or 1860-180-7777
  • Write to the sbi credit card email

100xGain Ratings:


Pros and cons of SBI Doctors Credit Card:



  • There is a huge professional insurance coverage on this card.
  • This sbi credit card offers a complimentary priority pass membership.
  • There are no dining or entertainment benefits on this sbi bank credit card.

Final Opinion:

If you are a doctor and if you want a credit card that suits your profession, then SBI doctor’s credit card is probably the best option for you. It offers huge professional insurance coverage, assured rewards with every transaction, domestic and international lounge access, fuel surcharge waiver, etc. which makes it the best sbi card for doctors.

But if you are not a doctor, or if you are not satisfied with this sbi credit card benefits, then take a look at the alternative card options given below. 

Alternative Cards: 

  1. ICICI Bank NRI Coral credit card (Best for lounge access and dining) 
  2. Kotak Mahindra Wealth Management Infinite Credit Card (Best for lounge access and golf) 
  3. RBL Platinum Edge SuperCard (Best for reward point and lounge access) 
  4. Air India SBI Signature Card (Best for travel and lounge access) 


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