Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Credit Card for Doctors

    Credit cards have become ubiquitous, with the humble piece of plastic being used for everything from buying groceries and fuel to paying for big-ticket purchases such as international vacations or appliances. Credit cards offer their owners easy credit and the chance to pay off this amount in instalments, along with the lure of offers and discounts. While there are numerous credit cards targeted at particular demographic groups and to cater to different needs, a credit card for professionals are not so common.

    A few banks have launched credit cards exclusively for certain professionals and have tailored benefits and perks to suit their needs. Credit cards for doctors is one such category that is slowly emerging. With travel vouchers and a plethora of discounts, these card have been designed to provide a feature-rich credit card with the needs of doctors in mind.

    HDFC Bank Doctor’s Superia Credit Card

    The sole entrant thus far in this emerging market is the HDFC Bank Doctor’s Superia credit card. Packed with features and benefits, this card caters to travel, lifestyle as well as day-to-day needs, making it an ideal credit card for the working medical professional. Use the card for everything from shopping to dining to enjoy discounts and rewards. Redeem the rewards for exciting gifts or air miles.

    Features and Benefits of HDFC Bank Doctor’s Superia Credit Card

    The HDFC Bank Doctor’s Superia credit card offers cardholders a range of features and benefits, as mentioned below:

    • Enjoy a welcome gift of 1,000 reward points, redeemable against a wide array of products and services from the rewards catalogue.
    • Accrue 1,000 reward points each time the card is renewed, thereby doubling the reward points.
    • Fly high with the Doctor’s Superia Travel Club and convert your reward points to KrisFlyer miles, the air miles program from Singapore Airlines. Cardholders can also choose to redeem their air miles on Jet Airways flights or choose from over 20 different global airlines.
    • Earn 3 reward points for every Rs.150 spent on the credit card.
    • Waive off the first year fee on spending Rs.15,000 within the first 90 days of the card being issued.
    • Have the renewal fee waived if spends cross Rs.1,00,000 a year before the renewal date.
    • Relax in style at world class lounges across the world courtesy complimentary Priority Pass membership.
    • In the event of the theft or loss of the card, report the same and stay protected from any fraudulent transactions made using the card.
    • Enjoy a fuel surcharge waiver on fuel spends made using the credit card.
    • Dine in style and enjoy discounts through the Power Dining program and earn 50% more reward points at partner restaurants.

    Fees and Charges of the HDFC Bank Doctor’s Superia Credit Card

    Fee Amount
    Annual fee No information
    Renewal fee Rs.1,000 (waived if annual card spends are over Rs.1,00,000).
    Late payment fee Varies, depending on the outstanding amount. The minimum fee is Rs.100 and the maximum is Rs.700.
    Overlimit fee 2.5% of the overlimit amount (the minimum fee is Rs.500)

    Eligibility Criteria of the HDFC Bank Doctor’s Superia Credit Card

    The eligibility criteria for the HDFC Bank Doctor’s Superia credit card is as follows:

    • In case of salaried doctors, the applicant should be above 21 years and below 60 years at the time of application.
    • In case of self-employed doctors, the applicant should be above 21 years and below 65 years at the time of application.

    Doctor’s SBI Card

    The State Bank of India’s credit card section – SBI Card offers a special credit card for doctors who are associated with the Indian Medical Association (IMA). The Doctor’s SBI Card is the only credit card which is associated with the IMA. The credit card offers a host of benefits along with a well-structured reward points structure.

    Features and Benefits of Doctor’s SBI Card

    • Enjoy a welcome gift in the form of an e-Gift voucher from Yatra.com worth Rs.1,500.
    • Avail a professional indemnity insurance cover of Rs.20 lakh with the card.
    • Earn 5X reward points on purchasing medical supplies and on travel bookings.
    • Earn 5X reward points on all international transactions.
    • Earn 5X reward points on all spends charged on the card on Doctor’s Day (1st July)
    • Earn 1 reward point on every Rs.100 spent on the card
    • Get branded e-gift voucher worth Rs.5,000 on reaching the milestone annual spend limit of Rs.5 lakh
    • Enjoy annual fee waiver on spending Rs.2 lakh or more for every preceding card year
    • Enjoy complimentary Priority Pass Program worth Rs.599 with the Doctor’s SBI Card
    • Enjoy 8 complimentary domestic airport lounge access
    • Enjoy 4 complimentary international airport lounge access outside India
    • Enjoy access to more than 1,000 airport lounges across the world
    • Enjoy fuel surcharge benefits of 1% across all petrol pumps around the country

    Fees and Charges of Doctor’s SBI Card

    Type of Charge Amount
    Annual fee Rs.1,499
    Renewal fee Rs.1,499 (waived if annual card spends are over Rs.2 lakh).
    Late payment fee Total due amount:
    • Up to Rs.500 - Nil
    • Rs.500 to Rs.1,000 – Rs.400
    • Rs.1,000 to Rs.10,000 – Rs.750
    • Rs.10,000 to Rs.25,000 – Rs.950
    • Rs.25,000 to Rs.50,000 – Rs.1,100
    • More than Rs.50,000 – Rs.1,300
    Overlimit fee 2.5% of the overlimit amount (subject to a minimum fee of Rs.600)

    Eligibility Criteria of the Doctor’s SBI Card

    The eligibility criteria for the Doctor’s SBI Card are as follows:

    • The applicant should be a salaried or a self-employed practitioner with a minimum working experience of 3 years.
    • The applicant should be above 21 years and below 65 years at the time of application. This is applicable to both salaried and self-employed doctors.

    RBL Bank Doctor's SuperCard

    The RBL Bank Doctor's SuperCard, as the name suggests is a super-card that has the ability of 4 cards in 1. The RBL Bank Doctor's SuperCard acts as a debit card, credit card, loan card, and EMI card. This co-branded credit offers a multitude of offers and benefits for cardholders.

    Features and Benefits of RBL Bank Doctor's SuperCard

    • Avail a professional indemnity insurance cover of Rs.20 lakh with the card
    • Get gift vouchers worth Rs.2,000 on reaching the milestone annual spend limit of Rs.1 lakh
    • Get additional gift vouchers worth Rs.1,000 on reaching the additional milestone annual spend limit of Rs.1.5 lakh to Rs.1 lakh
    • Withdraw interest-free cash from ATMs for a period of up to 50 days
    • Avail emergency loans against the cash limit of your credit card without any added interest
    • Easily convert all your purchases in to EMIs
    • Enjoy 8 complimentary domestic airport lounge access every year
    • Enjoy discounts on movie tickets – buy one and get one free on BookMyShow.com
    • Earn 1 reward point on every Rs.100 spent on the card
    • Earn 2X reward points on all online transactions barring the education, insurance, wallet load, and utility bill payments
    • Get branded e-gift voucher worth Rs.5,000 on reaching the milestone annual spend limit of Rs.5 lakh
    • Enjoy annual fee waiver on spending Rs.1 lakh or more for every preceding card year
    • Enjoy premium waiver for professional indemnity insurance cover on spending Rs.3.5 lakh or more in a card year
    • Enjoy fuel surcharge benefits of Rs.100 every month

    Fees and Charges of RBL Bank Doctor's SuperCard

    Type of Charge Amount
    Annual fee Rs.999 plus applicable taxes
    Renewal fee Rs.999 plus applicable taxes (waived if annual card spends are over Rs.1 lakh).
    Late payment fee 15% of the total due amount, subject to a minimum of Rs.50 and a maximum of Rs.1,500
    Overlimit fee Rs.600 plus applicable taxes

    Eligibility Criteria of the RBL Bank Doctor's SuperCard

    • In case of salaried doctors, the applicant should be above 21 years and below 60 years at the time of application.
    • In case of self-employed doctors, the applicant should be above 21 years and below 65 years at the time of application.

    FAQs on Credit Card for Doctors

    1. Will the annual fee of every credit card include GST?

      No, the annual fee does not include GST.

    2. What is the use of an IMA card?

      The Doctor’s SBI Card (IMA) is a credit card that is associated with the Indian Medical Association (IMA). The credit card has been curated keeping in mind a doctor’s lifestyle.

    3. What will be the grace period that is available on my Doctor’s Superia Credit Card?

      You will get an interest-free period of up to 50 days using the HDFC Bank Doctor’s Superia Credit Card.

    4. Will there be any add-on credit cards or are the cards available to medical practitioners only?

      No, only the primary cardholder has to be a doctor. Ass-on credit cards will be given to family members even if they are not doctors.

    5. Do I need to submit any identity proof documents when I apply for a doctor's credit card online?

      When you apply for a credit card online, you need to upload documents like the proof of identity, proof of address and income documents.

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