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Doctor's IMA SBI Card

SBI Card

travel

Annual Fee

₹1,499

Joining Fee

₹1,499 + GST

Base Reward

0.25% points

Foreign Markup

3.5% + GST

Fee Waiver

Renewal fee reversed on ₹2 Lakhs annual spend

Interest Rate

3.75% Per Month

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

Rewards

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.

Redemption

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.

Fees & Charges

Annual Fee₹1,499

Joining Fee₹1,499 + GST

Fee WaiverRenewal fee reversed on ₹2 Lakhs annual spend

Foreign Markup3.5% + GST

Interest Rate3.75% Per Month

Cash Advance2.5% of the transaction amount or ₹500, whichever is lower

Redemption Fee₹99 + GST

Eligibility

Available Networks

visamastercardrupay

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

fuelrent

Partner Merchants

Yatra