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Doctor SBI

SBI Cards
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Entry Level Lifestyle Rewards

Annual Fee

₹999

Rewards/₹100 ⓘ

₹0.25 - ₹0.75

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

Credit Score

700+

At a Glance

Key Benefits

3X rewards on healthcare purchases, professional benefits, lower forex rates

Lounge Access

No lounge access

Eligibility

Doctors/Medical professionals, Age: 25-65 years, CIBIL: 700+

Quick Details

Annual Fee
₹999 #165
Joining Fee
₹999 #166
Interest Rate
42.00% p.a. #108
Forex Markup
3.50% #75
Rewards/₹100
₹0.25 - ₹0.75 #219
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+ #54
Min Monthly Income ₹50
Network VISA
Late Payment Fee ₹750
Cash Advance Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹75,000/yr

Reward Structure

Base

All Spends

₹0.25 /₹100
Cat

Healthcare

₹0.75 /₹100

Reward Calculator

₹
Allocate by Category 100%
Healthcare
3.0 pts
60% ₹0
Other Spends
1.0 pts
40% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Insurance Coverage

Lost Card

₹0

Zero liability for lost card transactions.

Fraud

₹0

Zero liability for unauthorized transactions.

Personal Accident

₹10,00,000

Rs 10 lakh personal accident cover for medical professionals.

Quick Analysis

The SBI Cards Doctor SBI is a solid credit card option. With an annual fee of ₹999, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.

Pros

  • Annual fee waiver on spending ₹75000
  • Good insurance coverage up to ₹10 lakh
  • Extended interest-free period of 50 days

Cons

  • No complimentary lounge access
  • High forex markup of 3.50% on international transactions
  • High interest rate of 42.00% on revolving credit

Frequently Asked Questions

Who is eligible for Doctor SBI Card?
This card is exclusively for registered medical practitioners, dentists, and healthcare professionals.
What documents are required to apply?
Medical registration certificate, identity proof, address proof, and income documents are required.
What rewards do I earn on healthcare purchases?
You earn 3X reward points on healthcare and medical supplies purchases, capped at 1,000 points per month.
Are there any professional benefits?
Yes, cardholders get Rs 10 lakh personal accident cover and priority customer service.
What is the annual fee waiver criteria?
Annual fee of Rs 999 is waived on spending Rs 75,000 in the membership year.

User Reviews

Our Rating

3.0
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on SBI Cards's website

Rating Breakdown

Rewards
3.1/5 Top 76%
Benefits
2.8/5 Top 93%
Fees
3.3/5 Top 55%
Value for Money
2.9/5 Top 78%
User Reviews
3.0/5 Top 50%

Important Links

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