Key Benefits
Rs. 20L indemnity insurance, 5X rewards on medical/travel, 12 lounges
Lounge Access
8 domestic + 4 international Priority Pass per year
Eligibility
Doctors (allopathy), age 21-65, min Rs. 1.5L income, 3yr experience
Doctor's SBI Card is the best credit card in India specifically designed for medical professionals. Its standout feature is the Rs. 20 Lakh Professional Indemnity Insurance, which alone justifies the Rs. 1,499 annual fee. Combined with 12 annual airport lounge visits and 5X rewards on medical supplies and travel, this is an excellent card for doctors who travel frequently and want professional protection.
Best For
Medical professionals (allopathy doctors) who travel frequently, make medical supply purchases, and want professional indemnity insurance coverage included with their credit card.
Not Ideal For
Non-doctors (card is exclusively for medical professionals), those seeking high cashback rates, or those who primarily spend on dining and entertainment categories.
visits per year
Via Visa Signature program. Max 2 visits per quarter. Primary cardholder only.
visits per year
Via Priority Pass membership worth $99. Max 2 visits per quarter. $27 per visit after free visits exhausted. Primary cardholder only.
All Spends
Medical Supplies
Travel
International
All Spends on Doctors Day (1st July)
Avis
Hertz
Yatra
Bata
Shoppers Stop
Redeem your Reward Points for cashback, travel, and more
Statement Credit
Gift Vouchers
SBI Card Reward Catalogue
Welcome e-Gift Voucher worth Rs. 1,500 from Yatra.com on membership fee payment
value
Renewal fee of Rs. 1,499 reversed on annual spends of Rs. 2 Lakhs
Spend ₹2,00,000 within 365 days
value
e-Gift Voucher worth Rs. 5,000 from Yatra.com/Bata/Shoppers Stop on Rs. 5 Lakh annual spends
Spend ₹5,00,000 within 365 days
value
Concierge
100.00% off
24x7 Visa Signature concierge service across the world
Travel Desk
Exclusive benefits across 900 luxury hotels worldwide via Visa Signature
Custom
20.00% off
20% discount on Airport Fastrack Immigration at 450+ destinations worldwide
Airport Transfer
15.00% off
15% off on Limo Luxury Airport Transfer service via Visa Signature
See how this card performs in different spending categories compared to other cards.
The Doctor's SBI Card is a premium credit card exclusively designed for medical professionals in India. Launched in association with the Indian Medical Association (IMA), it is the only credit card in the country that carries the IMA endorsement. The card offers a unique combination of professional indemnity insurance, accelerated rewards on medical supplies and travel, and extensive airport lounge access.
With a Visa Signature platform, this card provides global privileges including 24x7 concierge services, luxury hotel benefits, and car rental discounts. The annual fee of Rs. 1,499 is easily waivable with Rs. 2 Lakh in annual spending, making it an affordable yet feature-rich card for doctors.
The Doctor's SBI Card is a lifestyle credit card issued by SBI Cards and Payment Services Limited (SBICPSL) exclusively for doctors practicing Modern Scientific Medicine (Allopathy). The card comes on the Visa Signature platform, offering premium benefits tailored to a doctor's lifestyle and professional needs.
The standout benefit of this card is the Rs. 20 Lakh Professional Indemnity Insurance cover at zero premium. This covers claims arising from bodily injury or death of patients due to medical negligence, including reimbursement of legal and defense costs, out-of-court settlement expenses, and court awards. The deductible is 0% of the sum insured.
Earn 5X Reward Points (1.25% reward rate) on medical supplies (MCC 5047), travel bookings (MCC 4722), and international spends. Each category has a monthly cap of 7,500 Reward Points. On Doctor's Day (1st July), earn 5X on all spends.
Get 8 complimentary domestic lounge visits per year (max 2 per quarter) and 4 international Priority Pass lounge visits per year (max 2 per quarter). Access to 1,000+ lounges worldwide with complimentary Priority Pass membership worth $99.
1% fuel surcharge waiver on purchases between Rs. 500 and Rs. 4,000 at all petrol pumps. Maximum waiver of Rs. 250 per statement cycle.
Upon achieving Rs. 5 Lakh in annual spends, you receive an SMS on your registered mobile number within 15 days to choose your preferred e-Gift Voucher option. The voucher is then sent to your registered mobile/email within 15 days of the request.
8 complimentary visits per calendar year to domestic airport lounges in India, with a maximum of 2 visits per quarter. Access is via the Visa Signature program.
4 complimentary visits per year to international airport lounges outside India via Priority Pass, with a maximum of 2 visits per quarter. Complimentary Priority Pass membership worth $99 is included. After exhausting free visits, a usage fee of $27 plus applicable taxes is charged per visit.
Access to 1,000+ airport lounges worldwide through the Priority Pass network. The Priority Pass card is delivered to your billing address within 10 days of request.
Doctor's SBI Card uses the SBI Rewardz program. You earn reward points on every purchase except excluded categories.
| Category | Reward Rate | Monthly Cap |
|---|---|---|
| Medical Supplies (MCC 5047) | 5 RP per Rs. 100 (1.25%) | 7,500 RP (combined with travel) |
| Travel Bookings (MCC 4722) | 5 RP per Rs. 100 (1.25%) | 7,500 RP (combined with medical) |
| International Spends | 5 RP per Rs. 100 (1.25%) | 7,500 RP (separate cap) |
| All Spends on Doctor's Day (1st July) | 5 RP per Rs. 100 (1.25%) | No cap |
| All Other Spends | 1 RP per Rs. 100 (0.25%) | No cap |
4 Reward Points = Rs. 1 (each point is worth Rs. 0.25)
Fuel purchases, cash advances, balance transfers, Merchant EMI, Flexipay, wallet reloads, rent payments (from April 2024), and financial charges do not earn reward points.
Reward Points expire after 24 months from the date of accrual. If the card is voluntarily closed, points can be redeemed within 30 days of closure.
| Fee Type | Amount |
|---|---|
| Joining Fee (One-time) | Rs. 1,499 + GST |
| Renewal Fee (Per Annum) | Rs. 1,499 + GST (waived on Rs. 2L annual spend) |
| Late Payment | Rs. 0-1,300 (graduated scale based on outstanding) |
| Cash Advance | 2.5% or Rs. 500, whichever is higher |
| Over Limit | 2.5% or Rs. 600, whichever is higher |
| Foreign Currency Transaction | 3.5% of transaction amount |
| Finance Charges | 3.75% per month (45% per annum) |
| Interest Free Period | 20 to 50 days |
| Card Replacement | Rs. 100-250 |
| Reward Redemption | Rs. 99 per redemption |
| Rent Payment | Rs. 199 per transaction |
| Cash Payment at SBI Branch | Rs. 250 + taxes |
| Payment Dishonour | 2% of amount, min Rs. 500 |
| Cheque Payment | Rs. 200 |
| Statement Retrieval | Rs. 100 (for statements older than 2 months) |
| Utility Payment Fee | 1% if total exceeds Rs. 50,000/billing cycle |
Call the SBI Card helpline at 1860-180-1290 or 39-02-02-02 (prefix local STD code) to request an application form by courier.
The Doctor's SBI Card stands out as the most purpose-built credit card for medical professionals in India. Its Rs. 20 Lakh Professional Indemnity Insurance alone is worth significantly more than the Rs. 1,499 annual fee, making the card an exceptional value proposition for doctors.
The 5X reward rate on medical supplies, travel, and international spends (capped at 7,500 points per month per category) provides meaningful savings on expenses that doctors frequently incur. The 12 annual airport lounge visits and complimentary Priority Pass membership add significant travel convenience.
The main drawbacks are the low base reward rate of 0.25% on general spending and the high 3.5% forex markup that partially offsets the 5X international rewards. However, for doctors who primarily spend on medical supplies and travel, the effective 1.25% reward rate on these categories is competitive.
Overall, if you are a practicing allopathy doctor in India, this card should be strongly considered as either your primary card or a complementary card specifically for medical and travel expenses.
Last updated: 1 February 2026
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