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SBI Doctor
81/100 · ₹1,499/yr
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SBI Doctor
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SBI Doctor

by SBI Card · Data verified 2 days ago

Exclusive card for doctors with professional indemnity insurance and lounge access.

81
Score
Based on rewards, fees, benefits & eligibility
₹1.5K
Fee
Waiver available on spending
1
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
1 RP Earn
base reward rate
4 per year Lounges
complimentary
₹1,499/yr
waiver available
81/100
CardSahayak rating
Reward Calculator

How Much Can You Earn?

Calculate your potential rewards with this card

₹ /month
₹10,000 ₹5,00,000

Your Annual Benefits

Reward Points
pts
₹
Annual Fee
Card membership
-₹1,499
Net Annual Value

You save per year!

What's Great

  • Professional indemnity insurance
  • 5x rewards on medical supplies
  • Domestic and international lounge
  • Travel insurance Rs.50 lakh
  • Tailored for medical professionals

Things to Consider

  • Only for doctors / medical professionals
  • Annual fee of ₹1,499 + GST
  • Standard 3.5% forex markup

Perfect For

Doctors Medical professionals Healthcare workers

About This Card

SBI Doctor Credit Card exclusively for medical professionals. Professional indemnity insurance, rewards on medical supplies and equipment, domestic and international lounge access, fuel surcharge waiver.
Annual Fee
₹1,499
Waiver
Waived on annual retail spends of ₹2,00,000 or more in the preceding year
Joining Fee
₹1,499

Other Charges

Interest Rate (APR)
Monthly on outstanding balance
3.75% - 3.75%
Foreign Transaction Fee
Markup on international txns
3.50%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹250/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹500) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹100.01-₹500
₹100
₹500.01-₹1,000
₹500
₹1,000.01-₹10,000
₹750
₹10,000.01-₹25,000
₹950
₹25,000.01-₹50,000
₹1,100
>₹50,000
₹1,300
Reward Points Validity
How long your earned points remain valid
2 years from earning date
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
1
Reward Pts
₹0.25
Point Value
0.00%
Cashback
Welcome Bonus
Welcome e-Gift Voucher worth ₹1,500 from Yatra.com on payment of joining fee

Milestone Rewards

Annual fee waiver: Waived on Rs.2 lakh annual spend

Reward Earning by Category

Category Reward Rate Details
Dining, Travel & International Spends 2X
General Retail Spends 1X
Point Value: 1 point = ₹0.25 | Redemption Fee: ₹99 + GST per request

Domestic Lounges

4 per year

Int'l Lounges

4 per year

Travel Insurance

₹20L cover

Golf Benefits

Complimentary

Fuel Savings

₹250/mo

Lost Card Cover

₹0

Priority Pass

Complimentary

Add-On Card

Free

Dining

  • •Reward points/cashback earned on dining transactions
  • •Dining privileges at select partner restaurants

Shopping

  • •5X points on eligible spends
  • •Contactless (tap-and-pay) enabled
  • •EMI conversion on purchases above Rs.2,500

Travel

  • •Ultra-low 0.99% forex markup fee for international transactions
  • •16 complimentary domestic airport lounge visits per year (4 per calendar quarter)
  • •16 complimentary international airport lounge visits per year (4 per calendar quarter) via Priority Pass
  • •2 complimentary golf games or lessons per calendar quarter (8 per year)
  • •1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (max waiver ₹1,000/month)

Special Offers & Features

  • •Professional indemnity insurance cover up to ₹20 Lakhs
  • •5X Reward Points on medical supplies, travel bookings, international spends, and Doctor's Day (July 1st)
  • •4 complimentary domestic airport lounge visits per year (1 per quarter)
  • •4 complimentary international airport lounge visits per year via Priority Pass (2 per quarter)
  • •1% fuel surcharge waiver for transactions between ₹500 and ₹4,000

EMI Options

  • •Flexipay EMI on purchases above Rs.2,500
  • •Tenure: 6, 9, 12, 18, 24 months
  • •Interest rate: 13-24% p.a.
  • •No-cost EMI at select online and retail partners

Card Features

Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
81 out of 100

CardSahayak Score

"Apply Now" takes you to SBI Card's official website.

Eligibility

Salaried ₹500,000/mo
Self-Employed ₹750,000/mo
Age 21-65 yrs
CIBIL 720+
Employment Salaried, Self-Employed
Card Variant Premium

Scores

Rewards 32/100
Fees 92/100
Benefits 63/100
Access 57/100

⚡ Quick Compare

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5 Active Offers

Deals & Offers

Exclusive offers available on SBI Doctor

Apple

Apple

Elevate your tech setup with cutting-edge Apple innovation. SBI Credit Cardholders get up to ₹15,000 instant discount on the latest iPhone 16 series, MacBook Air/Pro, iPad Pro, and Apple Watch models.Valid at official Apple Retail Stores, Apple Online Store India, and authorized Apple premium resellers nationwide.

15000
Till 31 Dec 2026 electronics
Discount
Up to ₹15,000 instant discount
Min Spend
₹50,000
Max Savings
₹15,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit Apple Authorized Reseller (Imagine, Aptronix, Unicorn) or shop online at apple.com/in.
Step 2: Select eligible iPhone 16, MacBook Air/Pro, iPad Pro, or Apple Watch models.
Step 3: Proceed to billing and select SBI Credit Card full swipe or Instant EMI.
Step 4: Instant discount of up to ₹15,000 is automatically deducted at checkout.
Terms & Conditions

Valid on SBI Credit Cards and SBI Credit Card EMI transactions. Minimum transaction value varies by product category (minimum ₹50,000 for top-tier discounts). Offer valid across all authorized Apple channels in India. Maximum 1 device purchase per cardholder during the promotional period. Not valid on corporate or commercial credit cards.

Visit Offer
MakeMyTrip

MakeMyTrip

Fly anywhere across India with substantial airfare savings. SBI Credit Cardholders enjoy flat 12% instant discount up to ₹1,800 on all domestic flights on MakeMyTrip.Book IndiGo, Air India, Akasa Air, and SpiceJet with code SBIMMT.

12
Till 31 Dec 2026 SBIMMT travel
Discount
Flat 12% up to ₹1,800
Min Spend
₹5,000
Max Savings
₹1,800
Valid Until
31 Dec 2026
How to Avail
Step 1: Launch MakeMyTrip mobile app or website.
Step 2: Search and select domestic flights totaling ₹5,000 or more.
Step 3: Enter coupon code SBIMMT in the promo code field.
Step 4: Pay using your SBI Credit Card to save up to ₹1,800 instantly.
Terms & Conditions

Valid on domestic flight bookings across all major Indian airlines. Minimum transaction value of ₹5,000 required. Maximum discount capped at ₹1,800 per booking. Valid once per cardholder per calendar month. Corporate cards excluded.

Use Code: SBIMMT
Visit Offer
Yatra

Yatra

Discover magnificent holiday destinations across India with SBI Card and Yatra. Enjoy instant discounts up to ₹4,000 on domestic flights, hotels, and holiday packages.

4000
Till 31 Dec 2026 SBIYATRA travel
Discount
Up to ₹4,000 instant discount
Min Spend
₹7,500
Max Savings
₹4,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Open yatra.com or Yatra mobile app.
Step 2: Select holiday packages or flights with minimum cart value ₹7,500.
Step 3: Apply promo code SBIYATRA at the checkout screen.
Step 4: Pay using your SBI Credit Card to enjoy up to ₹4,000 instant discount.
Terms & Conditions

Minimum transaction of ₹7,500 on flights and ₹15,000 on holidays required. Maximum discount up to ₹4,000. Valid once per calendar month per cardholder. Excludes railway and bus bookings.

Use Code: SBIYATRA
Visit Offer
Reliance Digital

Reliance Digital

Upgrade your gadgets with up to ₹5,000 instant discount on electronics, laptops, and home appliances at Reliance Digital using SBI Credit Cards.

₹5,000
Till 31 Dec 2026 shopping
Discount
Up to ₹5,000 Off
Min Spend
₹15,000
Max Savings
₹5,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Purchase appliances or electronics at Reliance Digital stores or reliancedigital.in.
Step 2: Ensure transaction value is ₹15,000 or above.
Step 3: Checkout with eligible SBI Credit Card.
Terms & Conditions

Valid on minimum transaction of ₹15,000. Maximum discount ₹5,000. Excludes Corporate Cards, Paytm SBI Cards, and Cashback SBI Cards.

Visit Offer
Croma

Croma

Enjoy instant discounts up to ₹3,500 on electronics, audio equipment, and home appliances at Croma using SBI Credit Cards.

₹3,500
Till 31 Dec 2026 shopping
Discount
Up to ₹3,500 Off
Min Spend
₹15,000
Max Savings
₹3,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Shop online at croma.com or any physical Croma retail store.
Step 2: Cart value ₹15,000 or more.
Step 3: Pay using your SBI Credit Card to avail instant discount.
Terms & Conditions

Valid on minimum transaction of ₹15,000. Maximum discount ₹3,500. Excludes Corporate Cards and Paytm SBI Cards.

Visit Offer
❓ FAQ

Frequently Asked Questions

Everything you need to know about SBI Doctor

To be eligible, you need:
  • • Min age: 21 years
  • • Salaried: ₹500,000/month min
  • • Self-employed: ₹750,000/month min
  • • CIBIL: 720+ recommended
The annual fee is ₹1,499. The fee can be waived by Waived on annual retail spends of ₹2,00,000 or more in the preceding year.
You earn 1 reward points per eligible transaction. Each point is worth approximately ₹0.25. Welcome bonus: Welcome e-Gift Voucher worth ₹1,500 from Yatra.com on payment of joining fee on activation! Redeem for flights, hotels, vouchers via SBI Card rewards portal.
Yes! Complimentary lounge access:
  • ✓ Domestic: 4 per year
  • ✓ International: 4 per year
  • → 4 complimentary domestic airport lounge visits per calendar year (max 1 per calendar quarter)
  • → 4 complimentary international airport lounge visits per calendar year (max 2 per calendar quarter) via Priority Pass
  • • Instant: Pre-approved SBI Card customers
  • • 24-48 hrs: New customers with documents
  • • Delivery: 7-10 working days

Ready to Get Started?

Apply for SBI Doctor today and unlock amazing rewards and premium experiences.

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