SBI·Doctor's SBI Card (in Association with IMA)

Card DetailSBI · VISA · Mid tier

Doctor's SBI Card (in Association with IMA)

Name: Doctor's SBI Card (in Association with IMA)
Brand: SBI Card

The Doctor's SBI Card (in association with IMA) is a ₹1,499 profession-specific card for registered medical practitioners, tied to Indian Medical Association membership. Its genuine differentiator is a ₹20 lakh professional indemnity insurance cover reimbursing legal and defence costs, out-of-court settlements and court awards. Rewards are secondary: 5X Reward Points (~1.25%) on medical supplies, travel AGENTS (MCC 4722 — not airlines or hotels booked direct) and international spends, each capped at 7,500 points a month (plus 5X on all spends on Doctor's Day), but only 1 point per ₹100 (~0.25%) elsewhere, with points worth Re.0.25 each. It adds Priority Pass with 4 international lounge visits a year, 4 domestic visits, a ₹5,000 milestone voucher at ₹5 lakh spend and a 1% fuel surcharge waiver; the ₹1,499 fee is reversed at ₹2 lakh of annual spend.

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Doctor's SBI Card (in Association with IMA)

SBI Card

Doctor's SBI Card (in Association with IMA)

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★ 3.7 / 5 · CardAdvisor rating•Issued by SBI Card•Updated 11 Oct 2026

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3.7

out of 5

Mid tier

A single-purpose card done reasonably well: the ₹20 lakh indemnity cover is the reason to hold it, and the 5X on medical, travel and international spends is a fair sweetener. But the ~0.25% base earn and Re.0.25 point value mean it should never be your everyday card. For eligible IMA doctors who value the protection it is a sensible yes; treat it as insurance-plus-perks, not a rewards engine.

Annual fee₹1,769 incl. GST

Fee waiver₹2,00,000 spend

Top rate~0.25%–1.25%

Best forPractising doctors who want professional indemnity cover bundled with a card

~₹1,500

Welcome benefit

3.5%

Forex markup

~₹18,200

Total perk value / yr

In-depth review

Doctor's SBI Card (in Association with IMA)

A niche card for registered doctors: its standout is a Rs.20 lakh professional indemnity cover and IMA association, not its rewards. The 5X on medical, travel and international spend is decent, but base earning is a thin ~0.25%. Worth it mainly for the indemnity protection, not as an everyday rewards card.

Read the full review →

Key features

What this card is built to do — the highlights that actually matter.

🎁

Welcome Benefit

~₹1,500 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days

⭐

1.25% on International

5X Reward Points on international spends (5 RP per Rs.100, ~1.25% at 4 RP = Re.1), capped at 7,500 points a month in its own bucket.

⭐

5 points/₹100 on Travel (~1.25% value)

5X Reward Points (5 RP per Rs.100, ~1.25%) on travel AGENTS and tour operators only — MCC 4722. Booking direct with an airline, hotel or railway earns the 1 RP base. Shares a 7,500-point monthly cap with medical supplies.

✈️

Airport Lounge Access

Complimentary: 4 domestic airport lounge visits a year (1 a quarter) and 4 international (2 a quarter)

💳

Annual Fee Waiver

Fee of ₹1,499 + 18% GST (₹1,769 all-in)/yr fully waived when you spend ₹2,00,000/year

🎯

Milestone Bonus

~₹5,000 in bonus rewards on hitting annual spend milestones

🛡️

Insurance Cover

Professional indemnity insurance cover of Rs.20 lakhs — reimburses legal & defence costs, out-of-court settlements and court awards. SBI states 0% of the sum insured is deductible — so no deductible applies.

✈️ TRAVEL BENEFITS

Lounge access, miles, forex rates and travel perks at a glance.

AIRPORT LOUNGE ACCESS

4 visits/yr

Domestic lounges

Priority Pass

International lounges

₹9,000

Estimated annual value

3.5%

Forex markup

1.3%

Travel reward rate

AIRLINE / TRAVEL PARTNERS

Travel agencies & tour operators (MCC 4722)

Domestic + international airport lounge access (4 domestic visits/yr, worth ~₹9,000)
Miles on: Travel agencies & tour operators (MCC 4722)
Travel insurance cover included

Who is this for?

For practising, IMA-member doctors who value bundled professional indemnity cover and have meaningful medical, travel and international spends — not for anyone chasing everyday rewards.

Full reward structure

What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →

Category	Type	Rate	Monthly cap
International	reward points	1.25%5 pts/₹100 × ₹0.25	₹1,875
Travelonly at Travel agencies & tour operators (MCC 4722)	reward points	1.25%5 pts/₹100 × ₹0.25	₹1,875
Other	reward points	0.25%1 pts/₹100 × ₹0.25	—

International: 5X Reward Points on international spends (5 RP per Rs.100, ~1.25% at 4 RP = Re.1), capped at 7,500 points a month in its own bucket.

Travel: 5X Reward Points (5 RP per Rs.100, ~1.25%) on travel AGENTS and tour operators only — MCC 4722. Booking direct with an airline, hotel or railway earns the 1 RP base. Shares a 7,500-point monthly cap with medical supplies. · Travel agencies & tour operators (MCC 4722)

Other: 1 Reward Point per Rs.100 on other spends (~0.25% at 4 RP = Re.1). Plus 5X (5 RP per Rs.100) on medical supplies and on all spends on Doctor's Day (1 July).

Earns nothing on: Fuel · Rent · Wallet Loads · EMI Conversions · Cash Advances

These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.

Fees & charges

The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.

Real annual cost: ₹1,499 + 18% GST = ₹1,769 all-in. Joining fee ₹1,499 + 18% GST = ₹1,769 all-in. Issuers quote fees before tax — the all-in figure is what you actually pay if the waiver isn’t met.

Charge	Amount
Annual fee (incl. 18% GST)	₹1,769
Joining fee (incl. 18% GST)	₹1,769
Finance charge (APR)	3.75% p.m.
Forex markup	3.5%
Add-on card fee	Free

Perks & benefits

Estimated annual value beyond rewards — ~₹18,200/yr in total.

🛡️

insurance~₹3,000/yr

Domestic

✈️

lounge access~₹6,000/yr

Complimentary Priority Pass membership (worth $99) with 4 international lounge visits a year (max 2 per quarter), plus a $27 usage fee after that. Access to 1,000+ lounges worldwide.

International2/quarter

✈️

lounge access~₹3,000/yr

4 complimentary domestic airport lounge visits a year (max 1 per quarter).

Domestic1/quarter

🎯

milestone bonus~₹5,000/yr

E-Gift voucher (Yatra.com / Bata / Shoppers Stop) worth Rs.5,000 on annual spends of Rs.5 lakhs. Renewal fee also reversed on Rs.2 lakhs annual spend.

Domestic

⛽

fuel waiver~₹1,200/yr

1% fuel surcharge waiver on transactions between Rs.500 and Rs.4,000; max Rs.250 per statement cycle.

Domestic

Spend milestone

₹5,00,000 a year₹5,000 of value

Should you get it?

Best for: Practising doctors who want professional indemnity cover bundled with a card, IMA members seeking an association-branded card, Doctors with meaningful travel and international spends
Mid tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on International (1.25% back).
Frequent travellers benefit from the included airport lounge access.

Pros & cons

✓ Pros

Rs.20 lakh professional indemnity insurance cover — a genuine benefit no mainstream card offers doctors
Exclusive association with the Indian Medical Association (IMA)
5X Reward Points on medical supplies, travel and international spends
Priority Pass membership plus domestic and international lounge access

✕ Cons

Eligibility is restricted to registered medical practitioners / IMA members
Base earn of ~0.25% on general spends is weak; rewards are worth only Re.0.25 each
Rs.1,499 fee, waived only at Rs.2 lakh annual spend
3.5% forex markup despite the 5X international earn

Eligibility & documents

EmploymentSalaried · Self-employed

Documents required

📄PAN card
📄Aadhaar / address proof
📄Medical registration / IMA membership proof
📄Income proof (salary slips or ITR)
📄Recent passport-size photograph

How to redeem rewards

Ways to convert what you earn into real value.

🎁Pay your card outstanding with Reward Points (4 RP = Re.1)
🎁Redeem Reward Points against gifts and vouchers from the SBI Card rewards catalogue

What your SBI Reward Points are worth

Realistic value per point by redemption route — the difference is what most people leave on the table.

Statement creditBEST

Capped at 60,000 pts/month from Apr 2026

₹0.25/pt

Rewards catalogue / vouchersBEST

Vouchers & merchandise

₹0.25/pt

Compare what every reward currency is worth →

The concern

Eligibility is restricted to registered IMA doctors, the base earn is a weak ~0.25%, and points are worth only Re.0.25 each despite the ₹1,499 fee.

Frequently asked questions

Who can apply for the Doctor's SBI Card (IMA)?

It is aimed at registered medical practitioners, with the IMA-associated variant tied to Indian Medical Association membership. You must be a doctor to hold this card.

What insurance does it include?

A professional indemnity cover of Rs.20 lakhs that reimburses legal and defence costs, out-of-court settlements and court awards, with no deductible — a meaningful protection for practising doctors.

How much are the reward points worth?

4 Reward Points equal Re.1 (25 paisa each). You can pay your outstanding with points or redeem them from the SBI Card rewards catalogue. In effective-return terms this card's best everyday earn is 1.25% on international (rewards capped at ₹1,875 a month in that category), against 0.25% on other spends — percentages here are the real return after converting points at their card-specific value, not the headline points-per-₹100. Figures as of October 2026.

What is the fuel surcharge waiver?

A 1% surcharge waiver on fuel transactions between Rs.500 and Rs.4,000, capped at Rs.250 per statement cycle.

How has the Doctor's SBI Card (in Association with IMA) changed over time?

Our dated Value Timeline for the Doctor's SBI Card (in Association with IMA) (on this page) records 7 changes since 2018: 5 devaluations, 1 improvement, and the rest neutral changes such as launches or restructures. The most recent entry: Statement-credit redemption capped & blocked into 4,000-point multiples (1 April 2026). Each event carries its source, so any figure here can be checked against the issuer's own documents.

Has the Doctor's SBI Card (in Association with IMA) been devalued recently?

Yes — our record shows 2 devaluations to the Doctor's SBI Card (in Association with IMA) in the last 24 months. The most recent: Statement-credit redemption capped & blocked into 4,000-point multiples, effective 1 April 2026 — from Unrestricted statement-credit redemption, any point quantity to Max 60,000 RP/month; redeemable only in multiples of 4,000. The full dated list, with what changed and its source, is in the Value Timeline on this page.

When did the Doctor's SBI Card (in Association with IMA)'s fees last change?

1 November 2025: 1% fee on third-party education payments & wallet loads — from No surcharge on education/wallet-load spends to 1% fee on 3rd-party education fees & wallet loads over ₹1,000. The current fee schedule is in the fees table on this page; the Value Timeline lists every earlier fee change we have on record.

How did the Doctor's SBI Card (in Association with IMA) change in 2024?

Our record shows 3 changes to the Doctor's SBI Card (in Association with IMA) in 2024 (2 cuts and 1 improvement): Professional indemnity cover doubled to ₹20 lakh (2024); Reward points removed on rent payments (MCC 6513) (1 April 2024); Portfolio government-spend exclusion — not carried in this card's own T&C (15 July 2024). The biggest single change: before 1 April 2024 it was Base RP earned on rent payments; from then on, No RP on rent payments (MCC 6513). Every event, dated and sourced, is in the Value Timeline on this page.

The bottom line

Apply →Estimate my rewards Is this YOUR best card? →

How this page was built

Counted from this card’s own record: 3 earn rules, 2 of them capped, 1 paid only at named merchants, the spends listed as earning nothing and 5 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.

Last updated 11 Oct 2026.

Sources & verification

Fees, reward rates, and benefits for the Doctor's SBI Card (in Association with IMA) are taken from SBI Card's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

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