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REWARD POINTS CARD

Doctor's SBI Card (in Association with IMA)

SBI Card

Professional indemnity cover with an IMA association, 5X Reward Points on medical supplies, travel bookings and international spends, Priority Pass membership and domestic and international lounge visits.

Lounge visits are capped per quarter and Priority Pass visits beyond the free ones carry a usage fee. Fuel surcharge waiver applies to transactions of ₹500–₹4,000, capped per statement cycle.

Doctor's SBI Card (in Association with IMA)
ANNUAL FEE
₹1,499 + GST
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Professional indemnity insurance cover of ₹20 lakhs
BEST FOR
Included: May suit medical professionals who want indemnity cover and accelerated points on medical supplies.
Included: May suit those who spend on medical supplies, travel bookings or international transactions.
Included: May suit those who want an IMA association and professional indemnity cover bundled with a credit card.
Included: May suit those who want a few domestic and international lounge visits a year.
Limitation: Those who want no renewal fee without spend may wish to compare other cards.
Limitation: Those who want an annual fee waiver without spending ₹2,00,000 a year may wish to compare other cards.
Limitation: Frequent flyers needing more than 4 domestic and 4 international lounge visits a year may wish to compare other cards.
Limitation: Those who want a published base earn higher than 1 Reward Point per ₹100 may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Annual fee is ₹1,499 + taxes; renewal fee is ₹1,499 + taxes from the second year.
Condition: After the free lounge visits, a Priority Pass usage fee of $27 + taxes applies per visit.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
₹1,499 + GST
Fee waived at
Renewal fee reversal on annual spends of ₹2,00,000
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
4 visits per quarter — 4 visits per year (max. 1 per quarter)
International airport lounge
4 visits per quarter — 4 visits per year (max. 2 per quarter) · Priority Pass membership worth $99; $27 + taxes per Priority Pass visit after free visits.
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass
EVERYDAY
Fuel
1% on transactions of ₹500–₹4,000 at petrol pumps in India; max ₹250 per statement cycle
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Professional indemnity insurance cover of ₹20 lakhs
Included: Exclusive association with the Indian Medical Association (IMA) and professional indemnity cover of ₹20 lakhs.
Included: Priority Pass membership worth $99 with access to 1,000+ airport lounges worldwide.
Included: Flexipay EMI converts eligible purchases of ₹2,500 or more into monthly EMIs.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.