Exclusively designed for medical professionals with comprehensive insurance and premium lifestyle benefits
Yatra.com e-Gift Voucher worth ₹1,500
5X reward points on medical supplies, travel bookings & international spends
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| Benefit | Details |
|---|---|
| IMA Association | The only credit card associated with the prestigious Indian Medical Association (IMA), the largest representative voluntary organisation of Doctors of Modern Scientific System of Medicine. |
| Welcome Benefit | Receive an e-Gift Voucher worth ₹1,500 from Yatra.com within 15 days of membership fee payment. |
| Professional Indemnity Insurance | Get comprehensive insurance cover of ₹20 lakhs with reimbursement of all legal and defense costs, out-of-court settlement expenses, and court awards. Zero deductible from sum insured. |
| Enhanced Rewards | Earn 5 reward points per ₹100 spent on medical supplies, travel bookings, and international spends. Maximum cap of 7,500 reward points per month per category. |
| Doctor's Day Special | Earn 5X reward points on all card spends made on Doctor's Day (1st July). |
| Standard Rewards | Accumulate 1 reward point per ₹100 spent on all other retail purchases. |
| Milestone Benefits | Receive e-Gift Voucher from Yatra.com/Bata/Shoppers Stop worth ₹5,000 on achieving annual spends of ₹5 lakhs. |
| International Lounge Access | Complimentary Priority Pass membership (worth $99) with 4 free visits per year to international airport lounges (maximum 2 visits per quarter). |
| Domestic Lounge Access | 8 complimentary visits per year to domestic airport lounges in India (maximum 2 visits per quarter). |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, with maximum benefit of ₹250 per statement cycle. |
| Annual Fee Reversal | Complete reversal of renewal fee on achieving annual spends of ₹2 lakhs. |
| Visa Privileges | Exclusive benefits across 900 luxury hotels worldwide, up to 35% discount on Avis Car Rentals, 10% savings on Hertz Car Rental, 20% discount on Airport Fastrack Immigration at 450+ destinations, and 15% off on Limo Luxury Airport Transfer service. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | SBI Cards and Payment Services Ltd. (in partnership with Indian Medical Association) |
| Bank / Non-bank | Bank-affiliated |
| Category | Lifestyle / Medical Professional |
| Type of Card | Visa |
| Free or Paid | ₹1,499 Annually |
The Doctor's IMA SBI Card is exclusively designed for medical professionals practising the modern scientific system of medicine (Allopathy). This card is the only credit card associated with the Indian Medical Association and offers specialised benefits tailored to the lifestyle and professional needs of doctors. With comprehensive professional indemnity insurance worth ₹20 lakhs, this card provides crucial financial protection against medical malpractice claims, covering legal costs, defence expenses, and out-of-court settlements. The card is particularly suitable for doctors who frequently travel for conferences and medical education, regularly purchase medical supplies, and make international transactions. The combination of accelerated rewards on medical-related spending, complimentary airport lounge access (both domestic and international), and milestone benefits makes this card ideal for established medical practitioners seeking premium lifestyle benefits alongside professional protection.
IMA Partnership: As the only credit card partnered with the Indian Medical Association, cardholders become part of an exclusive community representing the largest organisation of doctors practising modern scientific medicine in India.
Professional Indemnity Insurance: Comprehensive insurance coverage of ₹20 lakhs protects doctors against unfortunate medical malpractice claims, covering all legal and defence costs, out-of-court settlement expenses, and court awards with zero deductible from the sum insured, providing peace of mind in professional practice.
Priority Pass Membership: Complimentary membership to the prestigious Priority Pass Program (valued at $99) grants access to over 1,000 airport lounges worldwide, making international travel more comfortable and productive for busy medical professionals.
Global Acceptance: Use the card at over 24 million outlets worldwide, including 325,000 outlets across India, ensuring convenience for both domestic and international transactions during medical conferences, equipment purchases, and personal travel.
Emergency Card Replacement: Access a 24/7 helpline for emergency card replacement anywhere in the world, ensuring uninterrupted access to funds while travelling abroad for medical conferences or continuing medical education programs.
Cash Withdrawals: Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe, providing liquidity during international travel or emergencies.
Flexipay Facility: Convert purchases of ₹2,500 or more into easy monthly instalments by logging onto sbicard.com within 30 days of making the purchase, providing financial flexibility for expensive medical equipment or personal purchases.
Add-on Cards: Empower family members, including parents, spouse, children, or siblings above 18 years of age, with supplementary cards at no additional cost, extending the benefits to the entire family.
Enhanced Reward Categories: Earn 5 reward points per ₹100 spent on medical supplies, travel bookings, and international spends, translating to an effective reward rate of 1.25% (as each point is worth ₹0.25).
Monthly Cap: The 5X reward points on medical supplies and travel bookings combined have a maximum cap of 7,500 reward points per month. The 5X reward points on international spends have a separate cap of 7,500 reward points per month. After reaching the cap, standard earnings of 1 point per ₹100 continue.
Doctor's Day Special: Earn 5X reward points on all card spends made on Doctor's Day (1st July), celebrating the contributions of medical professionals and providing enhanced rewards across all spending categories.
Standard Rewards: Accumulate 1 reward point per ₹100 spent on all other retail purchases, ensuring rewards on everyday spending beyond the enhanced categories.
Exclusions: Reward points are not earned on fuel transactions (though fuel surcharge waiver applies), cash withdrawals, EMI transactions, and certain other categories as specified in the terms and conditions.
Accumulated reward points can be redeemed through various convenient options:
Statement Credit: Apply reward points directly towards the outstanding credit card balance at the rate of 4 reward points = ₹1, reducing the amount due and providing maximum flexibility in redemption.
Gift Vouchers: Exchange reward points for vouchers from popular partner brands across shopping, dining, entertainment, and lifestyle categories through the SBI Card Rewards Catalogue.
Products and Merchandise: Redeem points for electronics, home décor items, lifestyle products, and more available on the SBI Card rewards portal.
Travel and Hotels: Utilise points for travel bookings, hotel stays, and other travel-related redemptions through partner platforms.
Coverage Amount: Comprehensive insurance cover of ₹20 lakhs specifically designed for medical professionals, protecting against claims arising from professional practice.
Legal Protection: Full reimbursement of all legal and defence costs, out-of-court settlement expenses, and court awards, ensuring financial protection throughout any legal proceedings.
Zero Deductible: 0% of the sum insured is deductible, meaning the entire ₹20 lakhs coverage is available without any out-of-pocket expenses by the cardholder.
Scope of Coverage: Insurance covers professional negligence claims, medical malpractice allegations, and other liabilities arising from the practice of medicine, providing comprehensive protection for doctors.
Yatra.com Voucher: Receive an e-Gift Voucher worth ₹1,500 from Yatra.com that can be used for booking flights, hotels, and holiday packages.
Delivery Timeline: The voucher details are sent via SMS/email to the registered mobile number/email ID within 15 days of membership fee payment.
Redemption: The code can be redeemed online at Yatra.com at the time of purchase, providing immediate value and offsetting a significant portion of the first-year annual fee.
Annual Spend Reward: Receive an e-Gift Voucher worth ₹5,000 from Yatra.com, Bata, or Shoppers Stop upon achieving annual spends of ₹5 lakhs on the card.
Choice of Voucher: Within 30 days of reaching the ₹5 lakh spending milestone, cardholders receive an SMS on their registered mobile number to choose their preferred voucher option from the three available brands.
Delivery: The selected e-Gift Voucher is sent to the registered mobile number/email ID within 30 days of the voucher selection request.
Annual Fee Reversal: Complete reversal of the renewal fee (₹1,499 + GST) upon achieving annual spends of ₹2 lakhs, making the card effectively free for regular users.
International Lounges: Complimentary Priority Pass membership provides 4 free visits per year to international airport lounges outside India (maximum 2 visits per quarter), with access to over 1,000 lounges worldwide.
Domestic Lounges: 8 complimentary visits per year to domestic airport lounges in India through the Visa airport lounge program (maximum 2 visits per quarter), making domestic travel more comfortable.
Usage Fees: After exhausting complimentary visits, usage fees up to $27 + applicable taxes will be charged per visit for international lounges.
Activation: Call SBI Card customer helpline at 1860-180-1290 or 39020202 (prefix local STD code) to receive the Priority Pass card.
Primary Cardholder Only: Lounge access benefit is valid only for the primary cardholder; add-on cardholders do not receive separate lounge access.
1% Waiver: Get a 1% fuel surcharge waiver on all fuel transactions at petrol pumps across India, providing consistent savings on essential vehicle expenses.
Transaction Range: The waiver is valid on transactions between ₹500 and ₹4,000, covering typical fuel purchases for most vehicles.
Maximum Benefit: The maximum fuel surcharge waiver is capped at ₹250 per statement cycle, offering significant monthly savings for doctors who commute frequently or have long commutes to hospitals and clinics.
Luxury Hotels: Enjoy exclusive benefits across 900 luxury hotels worldwide, providing premium accommodation options during international conferences and personal travel.
Car Rentals: Get up to 35% discount on Avis Car Rentals and 10% savings on Hertz Car Rental Program, making ground transportation more affordable during travel.
Airport Services: Enjoy 20% discount on Airport Fastrack Immigration at over 450 destinations worldwide, saving time and hassle during international travel.
Airport Transfers: Get 15% off on Limo Luxury Airport Transfer service, ensuring comfortable and professional transportation to and from airports.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Annual Fee | ₹1,499 + GST | One-time charge when the card is first issued. |
| Renewal Fee | ₹1,499 + GST | Charged from the second year onwards. Completely waived on annual spends of ₹2,00,000 or more. |
| Add-on Card Fee | ₹0 | No charge for supplementary cards for family members. |
| Forex Markup Fee | 3.5% | Charged on all international transactions in foreign currency. |
| Criteria | Details |
|---|---|
Profession | Doctors practising the Modern Scientific System of Medicine (Allopathy) only |
Age | Minimum 21 years, Maximum 65 years |
Nationality | Indian resident or Non-Resident Indian (NRI) |
Occupation | Practising salaried or self-employed medical professional |
Medical Registration | Valid registration with the State Medical Council or the Medical Council of India |
Income Requirement | Stable income from medical practice, as per the bank's internal assessment |
Credit Score | 700 or above recommended for better approval chances |
Other Criteria | Regular source of income from medical practice, good credit history, valid PAN card, valid identity and address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory), Aadhaar Card, Passport, Driving Licence, Voter ID, or any valid government-issued photo identification |
| Address Proof | Aadhaar Card (with first 8 digits masked), Passport, Driving Licence, Utility Bill (not more than 3 months old), Ration Card, or any valid government-issued address proof |
| Medical Registration | Self-attested copies of degrees or registration certificates from the State Medical Council or Medical Council of India (mandatory for this card) |
| Income Proof | Latest salary slips (not more than 3 months old), Form 16, last 3-6 months' bank statement, Income Tax Returns (ITR) with computation of income, or other relevant documents as per bank policy |
| Completed Application Form | Duly filled and signed credit card application form with a recent photograph |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Details: Enter your personal, contact, professional, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, Income Proof, and Medical Registration Certificates.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your Doctor's IMA SBI Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Enhanced Rewards | Prioritise using the card for medical supplies, travel bookings, and international spends to earn 5 reward points per ₹100, achieving the highest reward rate. |
Activate Welcome Bonus | Ensure to redeem the ₹1,500 Yatra.com e-Gift Voucher received within 15 days of membership fee payment to offset the annual fee cost. |
Target Milestone Spending | Plan spending to reach ₹5 lakhs annually to unlock the ₹5,000 e-Gift Voucher and ₹2 lakhs to qualify for complete annual fee reversal. |
Utilise Professional Insurance | Familiarise yourself with the ₹20 lakhs professional indemnity insurance coverage and keep the policy details accessible for professional protection. |
Plan Doctor's Day Spending | Consolidate major purchases on Doctor's Day (1st July) to earn 5X reward points on all spending categories throughout the day. |
Leverage Lounge Access | Activate your Priority Pass membership and plan to use complimentary lounge visits during medical conferences, continuing medical education programs, or personal travel. |
Monitor Monthly Caps | Track enhanced reward point earnings to maximise the 7,500 points monthly cap on medical supplies/travel bookings and the separate 7,500 points cap on international spends. |
Optimise Fuel Purchases | Fill petrol or diesel with transactions between ₹500 and ₹4,000 to avail the 1% fuel surcharge waiver benefit, potentially saving up to ₹250 monthly. |
The Doctor's IMA SBI Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.