State Bank of India
Doctor's SBI Card (in Association with IMA)
Data last verified: 11 October 2026
- Joining fee₹1,499 + GST
- Annual fee₹1,499 + GST
- Reward rate0.25% base, up to 1.25% on foreign spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹1,499 + GST
- Annual fee₹1,499 + GST
- Fee waiverOn ₹2 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Add-on cardFree
01Doctor's SBI Card (in Association with IMA) Rewards and Benefits
02Doctor's SBI Card (in Association with IMA) Annual Fee and Charges
- Joining fee
- ₹1,499 + GST
- Annual fee
- ₹1,499 + GST
- Spend-based waiver
- Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
- Add-on card
- Free
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on spend abroad or in a foreign currency, earning 1.25%₹63
- ₹15,000 on everything else, earning 0.25%₹38
- Back each month, ₹1,212 a year₹101
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹1,212
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Travel only at Travel agencies & tour operators: 1.25% back, up to ₹1,875 a month
- Foreign spends: 1.25% back, up to ₹1,875 a month
- Spending ₹16,667 or more a month: the ₹1,769 fee is waived
- Flyers: 8 airport lounge visits a year
Skip it if…
- you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
- most of your spending is fuel, rent or wallet top-ups: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on Travel agencies & tour operators or foreign spends: the 1.25% rate applies only there, everything else earns 0.25%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How Doctor's SBI Card (in Association with IMA) earns Rewards
0.25% base, up to 1.25% on foreign spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.25% | No cap | The card's normal rate |
| Dining and food delivery | 0.25% | No cap | The card's normal rate |
| Groceries | 0.25% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.25% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 1.25% | ₹1,875, shared with other bonus rates | Only at: Travel agencies & tour operators (MCC 4722)Terms: 5X Reward Points (5 RP per ₹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. |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.25% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.25% | No cap | The card's normal rate |
| School and college fees | 0.25% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 1.25% | ₹1,875 | All merchants in the categoryTerms: 5X Reward Points on international spends (5 RP per ₹100, ~1.25% at 4 RP = Re.1), capped at 7,500 points a month in its own bucket. |
| Everything else | 0.25% | No cap | The card's normal rate |
Terms on the base rate. 1 Reward Point per ₹100 on other spends (~0.25% at 4 RP = Re.1). Plus 5X (5 RP per ₹100) on medical supplies and on all spends on Doctor's Day (1 July).
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05Doctor's SBI Card (in Association with IMA) Lounge Access and Travel
Domestic lounge access is 4 visits a year, international is 4 visits a year, through Priority Pass with Priority Pass. 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. Spending abroad carries a 3.5% forex markup; rewards on it: 1.25% back. See what it costs on your trip
Also on the card. fuel surcharge waiver, insurance cover, airport lounge access, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000; max ₹250 per statement cycle.
- Insurance cover: Professional indemnity insurance cover of ₹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.
- Airport lounge access: 4 complimentary domestic airport lounge visits a year (max 1 per quarter).
- Milestone bonuses: E-Gift voucher (Yatra.com / Bata / Shoppers Stop) worth ₹5,000 on annual spends of ₹5 lakhs. Renewal fee also reversed on ₹2 lakhs annual spend.
06Doctor's SBI Card (in Association with IMA) Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / address proof Medical registration / IMA membership proof Income proof (salary slips or ITR) Recent passport-size photograph
07Recent Changes
What State Bank of India changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Apr 2026 | Reduced: Statement-credit redemption capped & blocked into 4,000-point multiplesSource: State Bank of India | Unrestricted statement-credit redemption, any point quantity | Max 60,000 RP a month; redeemable only in multiples of 4,000 |
| 1 Nov 2025 | Reduced: 1% fee on third-party education payments & wallet loadsSource: State Bank of India | No surcharge on education/wallet-load spends | 1% fee on 3rd-party education fees & wallet loads over ₹1,000 |
| 15 Jul 2024 | Reduced: Portfolio government-spend exclusion, not carried in this card's own T&CSource: State Bank of India | Earned | Excluded |
| 1 Apr 2024 | Reduced: Reward points removed on rent payments (MCC 6513)Source: State Bank of India | Base RP earned on rent payments | No RP on rent payments (MCC 6513) |
| 2024 | Changed: Professional indemnity cover doubled to ₹20 lakhSource: State Bank of India | ₹10 lakh | ₹20 lakh |
See this card's change history → · All card changes in April 2026 →
08Cards Similar to Doctor's SBI Card (in Association with IMA)
Doctor's SBI Card (in Association with IMA) is a international card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Doctor's SBI Card (in Association with IMA) |  IDFC FIRST Millennia Credit Card |  AU Traverse Credit Card |
|---|---|---|---|
| Joining fee | ₹1,499 + GST | Lifetime free | ₹4,999 + GST |
| Annual fee | ₹1,499 + GST | Lifetime free | ₹4,999 + GST |
| Rewards | 0.25% base, up to 1.25% on foreign spends | 0.38% base, up to 1.25% on dining | 0.5% base, up to 1% on foreign spends |
| Domestic lounge | 4 visits a year | Not included | 8 visits a year |
| Forex markup | 3.5% | 0% | 0.99% |
| Type | International | Dining | International |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the joining fee for the Doctor's SBI Card (in Association with IMA)?
The joining fee is ₹1,499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Doctor's SBI Card (in Association with IMA)?
The annual fee is ₹1,499 + GST.
Does the Doctor's SBI Card (in Association with IMA) give airport lounge access?
Yes. Domestic lounge access is 4 visits a year, international is 4 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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