SBI Card
Doctor's IMA SBI Card
Annual Fee
₹1,769₹1,499 + GSTBase Reward
0.25% points
Foreign Markup
3.5% + GST
Welcome Benefits
Yatra Gift Voucher Worth ₹1,500
Product Highlights
- Earn 5x reward points on international transactions
- Get free membership access to the Priority Pass Program worth $99
Category Rewards
dining
10X on dining, departmental stores, movies, grocery
10X
Specialty
10X on dining, departmental stores, movies, grocery
10X
entertainment
10X on dining, departmental stores, movies, grocery
10X
grocery
10X on dining, departmental stores, movies, grocery
10X
Fee Waiver
Renewal fee reversed on ₹2 Lakhs annual spend
Reward Calculator
Costs you ₹269/year
Break-even needs ~₹15,332/month at your reward mix.
₹13K
across all your buckets
6K
SBI Reward Points
₹1.5K
via standard · ₹0.25/pt
Effective rate
0.96%
Annual fee
₹1,769
Year 1 net
₹-269
Year 2+ net
₹-269
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per quarter · You spend ≈ ₹1.5L
₹1,000 Pizza Hut voucher
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 5 Reward Points/₹100 on medical supplies, travel bookings, and international spends. Earn 5 Reward Points/₹100 on all spends on Doctor’s Day (1st July). Earn 1 Reward Point/₹100 on regular spends.
- 1 Reward Point = ₹0.25
Benefits & Features
Domestic: 4 Free Domestic Lounge Visits Each Year, Maximum 1 Per Quarter International: 4 Free Lounge Visits Each Year, Maximum 2 Per Quarter Complimentary access to lounges as per the specified limits.
Pros & Cons
Pros
- Good rewards for medical and international spending
- Insurance cover for doctors is included
Cons
- Normal daily spending gives low rewards
- Yearly fee if you don’t meet the spending condition
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Renewal fee reversed on ₹2 Lakhs annual spend