Doctor's SBI Card (in association with IMA)
SBI Card · Open to apply
A card for doctors (issued in association with the IMA): 5 points per ₹100 on medical supplies, travel agents and international spends (each up to 7,500 points a month), 1 per ₹100 elsewhere, ₹20 lakh professional indemnity cover, a ₹1,500 Yatra voucher, four domestic and four Priority Pass international lounge visits a year, and a ₹5,000 voucher at ₹5 lakh of spends.
- Annual fee
- ₹1,499 + GST a year
- Joining fee
- ₹1,499 + GST
- Fee waiver
- Annual fee waived on ₹2,00,000 spend per card year
- Base rate
- 1 point per ₹100 on all other spends: 1 SBI Card Reward Points per ₹100 (about 0.25% at cash value)
- Lounges
- Domestic: 4 visits a calendar year; International: 4 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 5 points per ₹100 on medical supplies: 5 SBI Card Reward Points per ₹100 (about 1.25% at cash value)
- 5 points per ₹100 on travel agents and travel bookings: 5 SBI Card Reward Points per ₹100 (about 1.25% at cash value)
- 5 points per ₹100 on international spends: 5 SBI Card Reward Points per ₹100 (about 1.25% at cash value)
Earns nothing on
- No points at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
- No points on wallet reloads (MCCs 6540, 6541)
- No points on cash advances
- No points on Flexipay and Merchant EMI
- No points on rent (MCC 6513)
Where the sources disagree
- Cap on the 5X rates: The booklet gives "each" of two caps of 7,500 points a month (medical supplies and travel bookings together, and international spends); the Shop & Smile T&C and SBI Card's 2020 notice read as a single 7,500-point cap across medical supplies, travel bookings and international spends. We use the booklet's two caps.
- Network: The booklet card face says "VISA/RuPay"; the product page speaks of Visa/Mastercard ATMs. We list Visa and RuPay.
Terms the calculator does not value
- Doctor's Day (1 July): 5 points per ₹100 on all spends that day, including international. One day a year; it is not entered as an earn rule.
- The booklet's MCCs for the 5X rate are 4722 (travel agents) and 5047 (medical supplies) only; pharmacies, hospitals and airlines booked directly are not accelerated. Our travel-other category is wider than 4722.
- Government-related and digital gaming spends: the Shop & Smile T&C excludes them for a list of cards, and SBI Card's 2024 lists do not name this card; no exclusion is entered.
Sources
- Doctor's SBI Card (in association with IMA) product-page data file (fees, rewards, milestones, lounges, insurance) (Product page, the bank's own, read 6 Nov 2026)
- Doctor's SBI Card (in association with IMA) Terms and Conditions booklet (PDF modified 8 Oct 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Shop & Smile rewards programme T&C (accrual caps by card, exclusions, redemption; PDF modified 23 Sep 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Most Important Terms and Conditions, annual and renewal fee table (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- SBI Card Important Notices page (20 Aug 2020 capping notice for the Doctor's SBI Card) (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card Important Notices page (29 Mar 2026 redemption notices) (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on rent payments from 1 Apr 2024 (linked from the customer notices page) (Bank notice, the bank's own, read 6 Nov 2026)