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Doctor's SBI Card

Product Details
Credit Card Name : 

Doctor's SBI Card

Bank Name :

State Bank Of India

Type :

Premium Credit Card

Interest Rate : 

3.50% per month (42% per annum) from the transaction date. 

Eligibility :

To be eligible for the SBI Doctor's card, you must meet the below mentioned criteria:

Basic requirements:

Age: Be between 21 years and 65 years old.
Occupation: Must be a practicing salaried doctor or self-practicing doctor for atleast 3 years.
Minimum Annual Income: Earn minimum of INR 1,50,000 per year.

Document requirements:

Proof Of Identity: Aadhaar card, PAN card, passport etc.
Proof Of Address: Passport or driving license or voter ID card or utility bills.
Proof Of Income: Latest salary slip (in case of salaried doctors) or IT returns (in case of self-practicing doctors) and copy of bank statement for the last 6 months.
Proof Of Medical Qualification: Self-attested copy of MBBS degrees or registration certificates issued by the State Medical Council or the Medical Council of India.

Doctor's SBI Card
Pros
  • Professional Indemnity Insurance Cover of INR 20 Lakhs.

  • Reimbursement of all legal & defense costs, including out-of-court settlement expenses and court awards. Zero percent of sum insured would be deductible.

  • Welcome Benefit: e-Gift Voucher worth Rs. 1,500 from Yatra.com

  • Reward Points: Get 5X reward points on spends on medical supplies, travel bookings and international spends. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. Get 1 point on all other spends. General cashback rate = 0.25%.

  • Milestone Benefit: Get gift voucher from Yatra.com or Bata or Shoppers Stop worth INR 5,000 on achieving annual spends of INR 5 Lakhs.

  • Renewal fee reversed on annual spends of INR 2 Lakhs.

  • Free membership to the Priority Pass Program worth $99. 4 complimentary visits every year to international airport lounges outside of India (max. 2 visits per quarter).

  • 8 free visits per year to domestic airport lounges in India (max. 2 visits per quarter)

Cons
  • Low cashback rate.

  • Lack of standard premium benefits like free movie tickets .

Pros & Cons
Welcome Benefits

Welcome Benefit: e-Gift Voucher worth Rs. 1,500 from Yatra.com

Rewards System

Reward Points: Get 5X reward points on spends on medical supplies, travel bookings and international spends. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. Get 1 point on all other spends. General cashback rate = 0.25%.

International Forex Markup

3.5%.

Welcome Benefits and Reward System
Special Features

Professional indemnity insurance worth INR 20 lakhs.

Eligibility Criteria

To be eligible for the SBI Doctor's card, you must meet the below mentioned criteria:

Basic requirements:

Age: Be between 21 years and 65 years old.
Occupation: Must be a practicing salaried doctor or self-practicing doctor for atleast 3 years.
Minimum Annual Income: Earn minimum of INR 1,50,000 per year.

Document requirements:

Proof Of Identity: Aadhaar card, PAN card, passport etc.
Proof Of Address: Passport or driving license or voter ID card or utility bills.
Proof Of Income: Latest salary slip (in case of salaried doctors) or IT returns (in case of self-practicing doctors) and copy of bank statement for the last 6 months.
Proof Of Medical Qualification: Self-attested copy of MBBS degrees or registration certificates issued by the State Medical Council or the Medical Council of India.

Benefits

The SBI Doctor's  Card is a co-branded credit card launched by SBI and the Indian Medical Association (IMA). It offers a variety of benefits to doctors, including:

  • Welcome Gift: Get a ₹1,500 voucher from Yatra.com upon joining.

  • Reward Points: Earn 5x reward points on (a) travel bookings, (b)  medical supplies , and (c) international transactions. Earn 1 reward point per INR 100 spent on other categories.

  • Airport Lounge Access: Enjoy free access to international and domestic airport lounges. You get 4 complimentary visits per year to international airport lounges (2 visits each quarter) with the Priority Pass membership and 8 complimentary visits per year to domestic airport lounges (2 visits each quarter).

  • Free Professional Indemnity Insurance: Get a INR 20 lakh cover free, against professional indemnity claims arising from medical practice.

  • Discounts And Offers: Get exclusive discounts and offers on dining, shopping, travel, and more.
     

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

There are three major to apply for the SBI Doctor's Credit Card:

1. Online:

  • Visit the SBI Card website.

  • Click on the "Apply" button and select the Doctor's SBI Card.

  • Fill in the  application form with all of your details.

  • Upload the requisite documents, such as identity proof, proof of permanent address, and proof of income.

  • Submit the application form.

2. Offline:

  • Visit any SBI branch.

  • Collect the Doctor's SBI Credit Card application form.

  • Fill in the application form.

  • Attach the required documents.

  • Submit the application form to the bank.

3. By Phone:

  • Call the SBI Card helpline at 1860-180-1290 or 3902-0202.

  • Request for a Doctor's SBI Credit Card application form.

  • The bank will send you the form by courier.

  • Fill in the application form with your details.

  • Attach the required documents.

  • Send the completed application form back to the bank.

Contact Details

l 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)

Account Opening and Procedure
Doctor's SBI Card Review

USP of the card is professional indemnity insurance cover of INR 20 Lakhs. The card only offers 1.25% cashback on medical supplies, travel bookings and international spends. The card also offers free domestic airport lounge visit and priority pass membership. Overall the card is a good package if one is ready to ignore the low cashback rate.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Annual Fee (one time): INR 1,499 + Taxes

  • Renewal Fee (per annum): INR 4,499 + Taxes from second year onwards. 

  • Cash Advance fees: 2.5% or Rs. 500 whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs.

  • Interest Rate: Up to 3.50% per month (42% per annum) from the transaction date. 

  • Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date. NIL for Outstanding Amount on payment date from Rs.0-Rs.500, Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000  up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000; Rs. 1300 for Outstanding Amount greater than Rs. 50,000. 

  • Reward Redemption Fees: INR 99/- per redemption. 

Fuel Surcharge

1% Fuel Surcharge waiver for each transaction between Rs.500 and Rs.4,000. Maximum Surcharge waiver of Rs.250 per statement cycle, per credit card account.

Billing Cycle

30 Days.

Fees & Charges
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