Doctor's SBI Card
Fees
₹1,499 + Taxes
Joining & AnnualReward 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 Access
4 Domestic + 4 International/yr
FindMyCard Expert Take
The Doctor's SBI Card from SBI Card offers Medical Practitioners & Healthcare Cover with an annual fee of ₹1,499 + Taxes.
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
Editorial Verdict
The Doctor's SBI Card is ideally suited for medical practitioners & healthcare cover. If you want 5 reward points per ₹100 on medical supplies, travel & overseas spends (1.25%); 1 point per ₹100 on other spends, this card delivers real value. The ₹1,499 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
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
🚀 Milestone Spends Timeline
Annual fee waived on ₹2 Lakh annual retail spends
Fees & Charging Rates
Annual Fee Waivers
₹1,499 + Taxes
💡 Annual fee waived on ₹2 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
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