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Doctor's SBI Card
Doctor's SBI Card is a niche but genuinely useful card issued jointly with the Indian Medical Association for registered allopathic doctors. Its ₹20 lakh professional indemnity insurance, covering legal defence costs and settlements, is the real draw and something no general lifestyle card offers, backed by a generous 12 domestic lounge visits a year plus Priority Pass. Earn rates outside travel and medical-supply spend are ordinary, so the card's value proposition rests almost entirely on the insurance and lounge benefits.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
points
Base reward rate
0.25%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.25% 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: ₹20 lakh professional indemnity insurance covering legal defence costs and court-awarded settlements arising from medical practice — a benefit no general lifestyle card offers
Benefits by category
- ✈️ Travel
1.25% reward rate · 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
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 25–65
Fees & charges
- 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.
Benefits
- Rs. 20 lakh professional indemnity insurance covering legal defence costs, out-of-court settlements and court awards, with 0% deductible
- Rs. 1,500 Yatra.com e-gift voucher as welcome gift
- 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
- 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, max Rs. 250 per statement cycle
Pros
- + Rs. 20 lakh professional indemnity insurance, including legal defence costs
- + 4 domestic and 4 international lounge visits a year
- + 5X points on medical supplies, travel, and international spend
- + Purpose-built benefits that address a real professional risk for doctors
Cons
- − Open only to registered allopathic doctors, not available to the general public
- − Unremarkable 1 point/₹100 base reward rate outside bonus categories
- − Standard 3.5% forex markup despite the card's international-spend bonus category