SBI Doctor's Card

Best suited to applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 1% base rate
• Domestic lounge access: 4 complimentary domestic lounge visits per year (max 1 per quarter)
• International lounge access: Complimentary Priority Pass membership with 4 international lounge visits per year (max 2 per quarter); USD 27 + tax per extra visit
• Insurance benefits: Complimentary professional indemnity-linked and personal accident insurance cover.

• ✈️ Travel

  4 complimentary domestic lounge visits (max 1 per quarter) and 4 international Priority Pass visits (max 2 per quarter) per year; USD 27 + tax per extra Priority Pass visit

• 🛡️ Insurance

  Rs. 20 lakh professional indemnity insurance covering legal defence costs, out-of-court settlements and court awards, with 0% deductible

• ⛽ Fuel

  1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, max Rs. 250 per statement cycle

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Minimum monthly income: ₹25,000
• Employment: salaried, self-employed
• Age: 25–65

• Spend-based waiver: Waived on annual spend of ₹2,00,000
• Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
• Foreign currency markup: 3.5%
• Interest rate: 42% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, max Rs. 250 per statement cycle
• Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.

• Rs. 1,500 Yatra.com e-gift voucher as welcome gift
• Rs. 20 lakh professional indemnity insurance covering legal defence costs, out-of-court settlements and court awards, with 0% deductible
• 4 complimentary domestic lounge visits (max 1 per quarter) and 4 international Priority Pass visits (max 2 per quarter) per year; USD 27 + tax per extra Priority Pass visit
• 5X Reward Points on medical supplies, travel bookings and international spends, and on Doctor's Day (1 July); 1 point per Rs. 100 elsewhere
• Rs. 5,000 e-gift voucher (Yatra/Bata/Shoppers Stop) on Rs. 5 lakh annual spends; renewal fee reversal on Rs. 2 lakh
• 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, max Rs. 250 per statement cycle