Doctor's SBI Card
Fees
₹1,499 + Taxes
Joining & annual
Reward Rate
5 Reward Points per ₹100 on medical supplies, travel & overseas spends (1.25%); 1 point per ₹100 on other spends
Welcome Bonus
₹1,500 Yatra e-gift voucher within 15 days of joining fee payment
Lounge
4 Domestic + 4 International/yr
Our Expert Take
The Doctor's SBI Card from SBI Card offers Medical Practitioners & Healthcare Cover with an annual fee of ₹1,499 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
5X on medical supplies and travel
Max 7,500 points per month
Reached after about ₹1,50,000 of spend
-
5X on international spends
Max 7,500 points per month
Reached after about ₹1,50,000 of spend
Where this card earns most
Paying directly in the app or site · 0.25% on other spends
Pros & Cons
Key Advantages
- ₹20 Lakh professional indemnity insurance, unmatched by other Indian credit cards
- 5X reward points on all transactions made on Doctor's Day (July 1)
- Complimentary Priority Pass with 4 international lounge visits/year
- Fee waiver threshold (Annual fee waived on ₹2 Lakh annual retail spends)
Limitations
- Base reward rate outside bonus categories is a low 0.25%
- Domestic lounge access is limited to just 4 visits/year
- ₹5,000 e-voucher milestone needs ₹5 Lakh in annual spends
Key Perks & Spending Milestones
Accelerated earn rate on professional purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Annual fee waived on ₹2 Lakh annual retail spends
Fees & Charges
Joining fee
₹1,499 + Taxes
Annual fee
₹1,499 + Taxes
Annual fee waived on ₹2 Lakh annual retail spends
Interest rate
Up to 3.75% per month (45% per annum)
Late payment fee
Nil up to ₹100; ₹100 for ₹101-₹500; ₹500 for ₹501-₹1,000; ₹750 for ₹1,001-₹10,000; ₹950 for ₹10,001-₹25,000; ₹1,100 for ₹25,001-₹50,000; ₹1,300 above ₹50,000
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)