The Doctor's SBI Card (IMA) is a Visa Signature credit card issued by SBI Cards and Payment Services Limited in partnership with the Indian Medical Association. It is specifically designed for allopathic doctors with at least 3 years of practice experience.

• Only credit card in India associated with the Indian Medical Association (IMA)
• Offers unique Professional Indemnity Insurance cover of Rs. 20 Lakhs
• Card design embosses your professional qualifications and salutation (Dr.)
• Available on Visa Signature platform with global acceptance at 29+ million outlets
• Both salaried and self-practicing doctors can apply

The standout feature of the Doctor's SBI Card is its Professional Indemnity Insurance cover of Rs. 20 Lakhs. This covers legal and defense costs, out-of-court settlement expenses, and court awards with 0% deductible from the Sum Insured. This is invaluable for medical professionals who face litigation risks in their practice.

Reward Points Program

Earn accelerated 5X Reward Points (worth Rs. 1.25 per Rs. 100) on three key categories:

• Medical Supplies (MCC 5047) - capped at 7,500 points per month
• Travel Bookings (MCC 4722) - combined cap of 7,500 points per month with medical supplies
• International Spends - separate cap of 7,500 points per month
• Doctor's Day (1st July) - 5X on all spends

All other purchases earn 1 Reward Point per Rs. 100 spent (0.25% reward rate). Points can be redeemed as statement credit at 4 RP = Rs. 1.

Airport Lounge Access

Enjoy 12 complimentary airport lounge visits per year:

• 8 domestic lounge visits (maximum 2 per quarter)
• 4 international lounge visits via Priority Pass (maximum 2 per quarter)
• Complimentary Priority Pass membership worth 9
• Access to 1,000+ airport lounges worldwide

Visa Signature Privileges

• Exclusive benefits at 900+ luxury hotels worldwide
• Up to 35% off on Avis Car Rentals
• Up to 10% off on Hertz Car Rental Program
• 15% off on Limo Luxury Airport Transfer service
• 20% discount on Airport Fastrack Immigration at 450+ destinations

Fuel Surcharge Waiver

Get 1% fuel surcharge waiver at all petrol pumps across India on transactions between Rs. 500 and Rs. 4,000, with a maximum waiver of Rs. 250 per statement cycle.

• Welcome e-Gift Voucher worth Rs. 1,500 from Yatra.com on membership fee payment
• Voucher details sent via SMS/email within 15 days of fee payment
• Redeemable online at Yatra.com at the time of purchase

Milestone Benefits

• Rs. 5 Lakh Annual Spend: E-Gift Voucher worth Rs. 5,000 from Yatra.com, Bata, or Shoppers Stop. Cardholder can choose their preferred voucher within 30 days of achieving the milestone.
• Rs. 2 Lakh Annual Spend: Renewal fee of Rs. 1,499 is reversed for the next year

The Doctor's SBI Card (IMA) provides comprehensive airport lounge access across domestic and international airports.

Domestic Airport Lounges

• 8 complimentary visits per calendar year
• Maximum 2 visits per quarter
• Access to 16+ domestic lounges across major Indian cities
• Available at airports in Delhi, Mumbai, Bangalore, Chennai, Hyderabad, Kolkata, Ahmedabad, Pune, and more

International Airport Lounges

• 4 complimentary visits per year via Priority Pass
• Maximum 2 visits per quarter
• Access to 1,000+ airport lounges worldwide
• Complimentary Priority Pass membership worth 9
• After exhausting free visits, each visit costs 7 plus applicable taxes

Note: Lounge access is available only for the primary cardholder. Call SBI Card helpline at 1860 180 1290 to receive your Priority Pass.

The Doctor's SBI Card uses SBI Rewardz program for its rewards:

• 5X Reward Points (5 RP per Rs. 100) on Medical Supplies (MCC 5047), Travel Bookings (MCC 4722), and International Spends
• 5X Reward Points on all spends on Doctor's Day (1st July every year)
• 1 Reward Point per Rs. 100 on all other purchases

Monthly Caps

• Medical Supplies + Travel Bookings: Combined cap of 7,500 RP per month
• International Spends: Separate cap of 7,500 RP per month
• After reaching the cap, base rate of 1 RP per Rs. 100 continues

Redemption Options

• Statement Credit: 4 RP = Rs. 1 (Rs. 0.25 per point)
• Reward Catalogue: Redeem against merchandise, vouchers, and more
• E-Gift Vouchers: Available for select brands

Reward redemption fee of Rs. 99 applies on physical products and physically delivered vouchers. Points are valid for 24 months from the date of earning.

• Profession: Only Doctors of Modern Scientific System of Medicine (Allopathy) - MBBS or higher qualification required
• Experience: Minimum 3 years of self-practice or salaried practice
• Age: 21 to 65 years
• Annual Income: Minimum Rs. 1,50,000
• Credit Score: CIBIL score of 750 or above recommended for smooth approval
• Nationality: Indian citizen with valid address proof

Employment Types Accepted

• Salaried doctors working in hospitals, clinics, or healthcare setups
• Self-practicing doctors with their own clinic or practice

Add-on Card Eligibility

Only the primary cardholder needs to be a doctor. Add-on cards can be issued to family members (spouse, parents, siblings, children above 18) who are not doctors. Up to 5 add-on cards can be issued.

• PAN Card
• Aadhaar Card
• Voter ID Card
• Driving License
• Passport

Address Proof (any one)

• Aadhaar Card
• Voter ID Card
• Driving License
• Passport
• Utility Bills (electricity, telephone)

Income Proof

• Salary slips of previous 3 months (for salaried doctors)
• Bank statements of previous 6 months (for self-employed doctors)
• Latest IT Returns or Form 16

Professional Proof (mandatory)

• Self-attested copies of medical degrees (MBBS or higher)
• Registration certificate from State Medical Council or Medical Council of India

1. Visit the official SBI Card website at sbicard.com
2. Navigate to Credit Cards and select Doctor's SBI Card (IMA)
3. Click on "Apply Now" or "I Want To" option
4. Fill in your personal details including name, mobile number, and email ID
5. Submit the application form
6. An SBI Card executive will contact you to complete the process

Offline Application

1. Visit the nearest SBI Bank branch
2. Request the credit card application form for Doctor's SBI Card
3. Fill out the application form with required details
4. Submit along with required documents
5. The card will be delivered to your registered address after approval

Application Tracking

Track your application status on the SBI Card website under the "Track Application" section using your application number. You can also call the helpline at 1860 180 1290.

The Doctor's SBI Card (IMA) fills a unique niche in the Indian credit card market as the only card associated with the Indian Medical Association. Its standout feature remains the Rs. 20 Lakh Professional Indemnity Insurance cover, which alone can justify the Rs. 1,499 annual fee for practicing doctors who would otherwise need to purchase such coverage separately.

The card offers a solid package with 12 complimentary airport lounge visits, Priority Pass membership, and accelerated rewards on categories relevant to medical professionals. However, the base reward rate of 0.25% is on the lower side, and the 3.5% forex markup diminishes the value of 5X international rewards. For doctors who spend Rs. 2 Lakhs annually, the fee waiver makes this essentially a free card with valuable insurance coverage.

Overall, this card is best suited for practicing allopathic doctors who value professional insurance coverage and travel benefits, especially those who are IMA members and want a card that reflects their professional identity.