SBI Doctors 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 sbi doctors credit 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.

Who can get sbi credit card?

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

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

Click here to know how to apply sbi credit card online

Required Documents:

The sbi card details of the required documents are discussed below. 

  • 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 (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

Visit our FAQ  page to know how to activate sbi credit card for the first time. You can generate pin for sbi credit card both offline and online.  

Sbi doctor credit card fees:

  • Joining Fee: Rs. 1,499 + GST
  • Annual Fee: The annual fee of sbi credit card is Rs. 1,499 + GST (can be waived off if Rs. 2 lakh is spent annually)

You can pay sbi credit card bill online from your net/mobile banking account. You can also go to the credit card sbi login page and make your sbi credit card bill payment online from there. 


Benefits of sbi doctor card are discussed below 

  • Welcome benefit:

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

  • Reward benefit of sbi doctors credit card:

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 the sbi credit card reward points redemption can be done through cash (4 reward points equal to Rs.1) or by purchasing products from the sbi credit card reward catalogue.

  • Lounge access:

This sbi doctors credit 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. For any queries about the benefits contact the sbi credit card help line number given below. 

  • Sbi credit card fuel surcharge waiver:

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

  • Insurance coverage:

This card comes with professional insurance coverage of Rs. 20 lakh. To claim the benefits of the coverage you can contact the sbi credit card customer care executive

  • Milestone benefit:

On this visa card sbi offers some exclusive gift vouchers. If you spend Rs. 5 lakhs in a year you will get gift vouchers from, Bata, Shoppers worth Rs. 5000.

If you can spend Rs. 2 lakh within a year, then the sbi credit card yearly charges for the next year will be waived off.

  • Visa power privilege:

On this visa contactless card sbi offers 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). Click here to know how to apply for add on credit card in sbi

  • Flexipay:

Using this flexi pay sbi credit card transactions can be converted into easy monthly installments. You can check your sbi credit card flexi pay details from your online banking account. 

  • Balance transfer:

The sbi credit card emi option of this card is very impressive. 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:

This sbi visa signature credit card is accepted throughout the world. You can use it at almost any outlet or e-commerce site to make payments.

Sbi bank credit card charges:


Payable Amount

Cash Withdrawal Charge

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

Finance Charge

3.50% monthly. Applicable if your total credit card due is not cleared within the sbi credit card due date.

Foreign currency transaction

3.5% against the transaction amount.

Add on card fee

None, free for a lifetime.

If you fail to clear your credit card dues within the due date the sbi credit card late payment charges will be applicable. 

Credit card sbi customer care contact details:

Sbi credit card toll free no: 1860-180-1290 / 022-3902-0202 or 1860-180-7777

Sbi credit card email id[email protected]

100xGain Ratings:


Final Opinion:

If you are a doctor and if you want a credit card that suits your profession, then sbi doctors credit card is probably the best option for you. It offers professional insurance coverage of Rs. 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.

But if you are not a doctor, or if you are not satisfied with the benefits offered by this card, then take a look at the alternative card options given below. If you want to close your credit card account, then click here to know the procedure for closing sbi credit card

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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