Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Doctor’s SBI Card In Association With (IMA)

    State Bank of India is one of the leading national banks in our country. From time to time, SBI has introduced excellent financial products with attractive features that benefit the customers. One such product is the Doctor’s SBI Card (IMA), the only credit card associated with the Indian Medical Association (IMA). This card is specially designed keeping a doctor’s lifestyle in mind. Doctors of Modern Scientific System of Medicine (Allopathy) can apply for the card.

    Features and Benefits of Doctor’s SBI Card (IMA)

    • Upon paying the joining fees, cardholders get a free e-gift voucher worth Rs.1,500 from
    • Most doctors suffer due to the legal claims made by patients. With Doctor’s SBI Card (IMA), cardholders get an insurance up to Rs.10 lakh which not only covers cardholders against unfortunate events but also the legal costs incurred. This insurance also covers out-of-court settlement expenses.
    • Doctor’s SBI Card (IMA) cardholders also get a comprehensive indemnity insurance coverage which covers the cost of corrective surgeries, dental treatment under anesthesia, claims that are made under Consumer Protection Act, National Human Rights Commission, and any other such applicable law. This feature also covers all claims arising out of all medical and professional services rendered by the doctor.
    • Under the Rx International Lounge Program, Doctor’s SBI Card (IMA) cardholders also get a complimentary Priority Pass Program worth $99. Under this program, cardholders get 4 complimentary visits to international lounges and 2 complimentary visits to domestic airport lounges every year. Cardholders can access over 1000 airport lounges across the world using this membership.
    • Doctor’s SBI Card (IMA) has an excellent reward program. Under the Rx Reward Points Program, cardholders can earn 5X reward points on travel bookings, international spends, medical supplies and on every Doctor’s Day they can earn 1 reward point on every Rs.100 spent on all purchases.
    • Cardholders also get 1% fuel surcharge waiver at all petrol pumps. The waiver is valid only on transactions between Rs.500 and Rs.4,000. The maximum waiver is capped at Rs.250 per cycle.
    • Under the Rx Milestone benefits, cardholders can benefit from the renewal fee reversal if the annual spend exceeded Rs.2 lakhs. If the cardholder’s annual spend exceeds Rs.5 lakhs, they can avail gift voucher worth Rs.5,000 from, Shoppers Stop, and Bata.
    • Cardholders can use their Doctor’s SBI Card (IMA) and enjoy exclusive benefits at luxury hotels worldwide.
    • Cardholders get 35% on Avis Car Rentals bookings and 10% off on Hertz Car Rental bookings.

    Fees And Charges Associated With Doctor’s SBI Card (IMA)

    Type of Fee Amount
    Annual Fee Rs.1,499
    Renewal Fee Rs.1,499
    Finance Charges Up to 3.35% monthly
    Minimum Amount Due 5% of the total outstanding amount
    Cash Advance Limit Up to 80% of the credit limit. The maximum is capped at Rs.15,000 per day.
    Domestic Cash Advance Fee 2.5% of the transaction amount, subject to a minimum of Rs.300
    International Cash Advance Fee 3% of the transaction amount, subject to a minimum of Rs.300
    Payment Dishonor Fee 2% of the payment amount, subject to a minimum of Rs.450
    Cheque Pick Up Fee Rs.100
    Overlimit 2.5% of the overlimit amount, subject to a minimum of Rs.500
    Foreign Currency Transaction Conversion Mark-up: 3.5%
    Rewards Redemption Fee Rs.99
    Cash Payment Fee Rs.100

    Eligibility To Apply For Doctor’s SBI Card (IMA)

    Only Doctors of Modern Scientific System of Medicine (Allopathy) can apply for the Doctor’s SBI card in association with IMA.

    How To Apply for Doctor’s SBI Card (IMA)?

    Doctors can apply for the card either online or offline. They can visit the official SBI’s website and apply for a credit card by filling an online application form or visit a nearby SBI Bank branch and apply for one.

    Steps To Apply For Doctor’s SBI Card (IMA) Online

    To apply for a Doctor’s SBI Card (IMA) online, please visit and click on the “I want to apply now: option”. Please note that you would be required to enter basic details about yourself like your Name, mobile number, and email Id to apply for a Doctor’s SBI Card (IMA) online. Once your application is successfully submitted, an SBI Bank official will get in touch with you.

    How to Apply for Doctor’s SBI Card (IMA) Offline

    To apply for a Doctor’s SBI Card (IMA) offline, please visit the nearest SBI branch and one of the bank executives will help you out. You will be asked to fill out a credit card application form. To save time, it is recommended to carry a valid identity proof and proof of address.

    Doctor’s SBI Card (IMA) FAQs

    1. If I have some questions regarding Doctor’s SBI Card (IMA), how do I contact SBI?

      For assistance, please get in touch with SBI Credit card customer care by dialing 39 02 02 02 (prefix local STD code) or 1860 180 1290.

    2. Is there a free credit period for cash advance taken on a Doctor’s SBI Card (IMA)?

      No. Unfortunately, there is no free credit period on cash advance taken on Doctor’s SBI Card (IMA).

    3. What is the interest-free credit period on Doctor’s SBI Card (IMA)?

      Cardholders get 20-50 days of interest-free credit period which is applicable on all retail purchases and if the previous month’s outstanding balance is paid in full.

    4. Is there a fee if I request for my Doctor’s SBI Card (IMA) card statements which is more than 2 months old?

      Yes. A statement retrieval fee of Rs.100 will be charged if you request for statements which are more than 2 months old.

    5. Is there a card replacement fee?

      Yes. If you want to replace your Doctor’s SBI Card (IMA) card, a card replacement fee of Rs.100 will be charged.


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