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

    State Bank of India, one of India’s largest lending organisation has introduced the Doctor’s SBI card. This is the only credit card that is associated with the prestigious Indian Medical Association. These cards can be personalised with the cardholder’s name engraved on them. The annual fee of the card is Rs.1,499.

    Features and Benefits of Doctor’s SBI Card

    Welcome benefits:

    • Enjoy an e-Gift voucher worth Rs.1,500 from Yatra. com as a welcome gift.

    Reward point benefits:

    • Cardholders can earn 5x reward points on making travel bookings, purchasing medical supplies, and making transaction overseas.
    • Get 5x reward points when you spend on Doctor's Day.
    • They can earn 1 reward point per Rs.100 spent using the card.

    Milestone benefits:

    • Reach an annual spend of Rs.2 lakh in a year and your annual fee will be reversed

    Airport lounge benefits:

    • Get free membership to the Priority Pass Program worth $99
    • You get 4 free visits per year to International Airport Lounges (2 visits per quarter)
    • Get 8 free visits per year to Domestic Airport Lounges (2 visits per quarter)

    Car ar rental benefits:

    • You can get up to 35% discount on Avis Car rentals.
    • You save up to 10% on Hertz car Rental service.
    • Enjoy a discount worth 20% on airport fast track immigration in more than 400 destinations across the globe.
    • Enjoy 15% off on Limo Luxury Airport Transfer service

    Insurance benefits:

    • Get Professional Indemnity Insurance Cover of Rs.20 lakh.

    How to Apply for Doctor’s SBI card

    Individuals can apply for a Doctor’s SBI card in three different ways:

    • They can an SMS 'DOCTOR' and send it to 5676791.
    • They can call 3902-0202 (prefix with their local STD code) or the toll-free numbers, 1860-180-1290. A customer care executive will get in touch with them about the same and initiate the application process.
    • They can visit the official website of SBI and apply online. To apply online, they will need to click on the 'Apply' tab and select the card. They will be redirected to an online application form on which they will need to fill in their details and submit it.
    • Alternatively, they can walk into their nearest branch of SBI and fill in the application form with the required details. They will also need to submit the required documents along with the application form.

    Fees and Charges of Doctor’s SBI card

    Type of Charge Amount
    Annual fee Rs.1,499
    Renewal fee Rs.1,499
    Add-On card fee Nil
    Cash advance fee
    • 2.5% of the amount withdrawn or Rs.500 (Domestic ATMs)
    • 2.5% of the amount withdrawn or Rs.500 (International ATMs)
    Finance charges Up to 3.50% per month and 40.2% per annum
    Payment dishonour fee 2% of the amount to be paid (subject to a minimum of Rs.450)
    Interest-free credit period 20-50 days
    Cash advance limit Up to 80% of the limit of credit
    Cash advance (finance charges) Up to 3.35% per month and 40.2% per annum (from the date of withdrawal)
    Cash advance fee 2.5% of the transaction amount (subject to a minimum of Rs.300)
    Statement request Rs.100 per statement (more than 2 months old)
    Cash payment fee Rs.250
    Late payment fee
    • From Rs.0 to Rs.500 - Nil
    • More than Rs.500 up to Rs.1,000 - Rs.400
    • More than Rs.1,000 up to Rs.10,000 - Rs.750
    • More than Rs.10,000 up to Rs.25,000 - Rs.950
    • More than Rs.25,000 up to Rs.50,000 - Rs.1,100
    • More than Rs.50,000 - Rs.1,300.
    Cheque payment fee Rs.100
    Over limit fee 2.5% of the over limit amount; minimum of Rs.600
    Rewards redemption fee Rs.99
    Foreign currency transaction 3.50%

    Eligibility Criteria for Doctor’s SBI Card

    To procure the Doctor’s SBI card, an applicant will need to meet the eligibility criteria that are mentioned below:

    • The applicant should be a practising salaried doctor or a self-practising doctor for more than 3 years.
    • The minimum age required is 21 years and the maximum is 65 years.
    • The minimum annual income required is Rs.1,50,000.

    Documents Required for Doctor’s SBI Card

    The applicant must submit the following documents in order to procure a Doctor's SBI card:

    • Self-attested copies of their degrees or registration certificates from the State Medical Council or the Medical Council of India.
    • Latest copies of IT returns.
    • Copies of bank statement of the last 6 months.

    FAQs on Doctor’s SBI Card

    1. Are the add-on credit cards only available to medical practitioners in the family of the primary cardholder?

      No, only the primary cardholder will need to be a doctor. The add-on credit cards can be availed by family members who are not doctors.

    2. What is the phone number that one can dial to reach the customer care in case of loss or damage of the card?

      Cardholder will need to call 1860-180-1290 or 3902-0202 (prefix local STD code).

    3. Will I need to submit any proof of identity while filing an application for the card online?

      While filing an application online for the Doctor’s SBI card, you will need to upload documents like the proof of identity, proof of address, and self-attested copies of their degrees or registration certificates from the State Medical Council or the Medical Council of India.

    4. How many add-on cards can I avail?

      Primary cardholders can apply for a maximum of 5 cards for their family members.

    5. Is the annual fee inclusive of GST?

      Yes, the annual fee is inclusive of GST.

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