Privilege for Healthcare Healers — ₹20L Professional Indemnity Cover & 8 Global Lounges with IMA
Practicing doctors, surgeons, clinic owners, and healthcare consultants requiring professional legal liability protection alongside travel perks and medical equipment procurement rewards.
₹1,499
One-time upfront₹1,499
Waived on ₹2 lakh annual spend1 Reward Point per Rs. 100 on other retail spends
On eligible spends2 Domestic visits/quarter
Complimentary visitsLast verified 10 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Doctor's SBI Card is an exclusive, purpose-crafted professional credit card created by SBI Card in formal partnership with the **Indian Medical Association (IMA)** to honor and protect practicing medical professionals across India. Charging an **annual fee of ₹1,499 + GST**, the card offsets this cost immediately by providing an **e-gift voucher worth ₹1,500** from leading lifestyle brands (such as Yatra, Shoppers Stop, or Bata) upon fee payment. The renewal fee is completely waived upon achieving **₹2,00,000 in annual spending**. The card's most distinguished privilege is an in-built **Professional Indemnity Insurance cover of ₹20 Lakhs**. Underwritten in collaboration with premier public insurance partners, this coverage shields medical practitioners and surgeons against legal defence expenses and patient liability claims arising from alleged professional errors, negligence, or omissions during clinical practice. This built-in insurance alone saves doctors significant annual premiums normally paid for standalone indemnity policies. Beyond legal safeguards, the card provides powerful procurement and travel rewards: cardholders earn **5X Reward Points (10 Reward Points per ₹100 spent) on medical equipment, supplies, international spends, and travel bookings** (a 2.50% effective return, where 4 points = ₹1). Travel comfort is thoroughly addressed with **8 complimentary airport lounge visits per year: 4 domestic lounge visits (1 per quarter) plus 4 international airport lounge visits via Priority Pass**. For practicing healthcare practitioners, Doctor's SBI Card represents an unmatched combination of clinical security, professional rewards, and travel comfort.
Comprehensive professional indemnity insurance cover of Rs. 20 Lakhs in association with the Indian Medical Association (IMA).
Cardholders receive 4 complimentary domestic airport lounge visits per calendar year, capped at 1 visit per quarter under SBI Set A.
Complimentary Priority Pass membership with 4 complimentary international lounge visits per calendar year, capped at 2 per quarter.
Earn 5 Reward Points for every Rs. 100 spent on Medical Supplies, Travel Bookings, and International Spends.
Receive an e-Gift Voucher worth Rs. 1,500 from Yatra.com upon payment of the annual fee.
1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 4,000, capped at Rs. 250 per statement cycle.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Medical Supplies, Travel Bookings & International Spends | 5X Reward Points (5 RP per ₹100 spent = 1.25% return) | No Cap | Standard terms apply |
| All Other Retail Spends | 1 Reward Point per ₹100 spent (0.25% return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Medical Supplies, Travel Bookings & International Spends | ₹12,000 | 5X Reward Points (5 RP per ₹100 spent = 1.25% return) | — | None | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 1 Reward Point per ₹100 spent (0.25% return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,499
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Renewal fee of Rs. 1,499 reversed on annual retail spends of Rs. 2 Lakhs in previous membership year.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹1,499 + GST (Welcome benefit of ₹1,500 e-gift voucher from Yatra/Bata/Shoppers Stop upon fee payment). • Annual Renewal Fee: ₹1,499 + GST. • Spend-Based Fee Waiver: Annual renewal fee waived on spending ₹2,00,000 on retail transactions in the preceding year. • Professional Indemnity Insurance: Built-in ₹20 Lakhs professional indemnity insurance cover for medical practitioners in association with IMA. • Medical & Travel Multiplier Rewards: 5X Reward Points (10 points per ₹100 spent = 2.50% value back; 4 points = ₹1) on medical equipment, surgical supplies, international transactions, and travel bookings. • Base Rewards: 2 Reward Points per ₹100 spent on all other retail transactions (0.50% value back). • Domestic Airport Lounge Access: 4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter). • International Airport Lounge Access: 4 complimentary international airport lounge visits per calendar year via Priority Pass. • Milestone Reward: E-gift voucher worth ₹5,000 on crossing ₹5,00,000 in annual spending. • Fuel Surcharge Waiver: 1% waiver across all petrol pumps in India on transactions between ₹500 and ₹4,000 (maximum ₹100/statement cycle). • Finance Charges (APR): 3.50% per month (42.00% annualized) on unpaid revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹1,499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Doctor's SBI Card application, fees, reward redemption, and eligibility
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Direct online application on the official SBI Card portal with paperless verification.
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Rewards: 16 Reward Points per ₹200 on domestic retail spends; 24 Reward Points per ₹200 on international spends
Lounge access: 32 Domestic visits/year + Unlimited International
Forex markup: 1.99% Low Forex
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