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Doctor's SBI Credit Card

Annual Fee ₹1,500 + GST

Reward Rate 1.5% online, 1% travel

Lounge Access None

SBI

SBI Card plastic

Doctor's SBI Credit Card Visa

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Community Consensus

Consensus Note: Doctor's SBI Credit Card issued by SBI Card remains a flagship choice for Medical Professionals & Professional Spends. Verified user discussions highlight strong yields on spending thresholds.

At-A-Glance Quick Facts

payments Annual Membership Fee

stars Base Reward Return Rate

flight_takeoff Airport Lounge Privilege

account_balance_wallet Min Monthly Income

₹25,000 / month

speed Recommended CIBIL Score

750+

8.4 / 10

AI Verdict CredSutra Engine

Synthesized objective algorithmic score

Confidence: 95%

The Doctor's SBI Credit Card issued by SBI Card offers competitive value for Medical Professionals & Professional Spends. Audit your monthly spending against its ₹1,500 + GST fee structure.

Key Trade-offs & Considerations

⚡ Annual fee of ₹1,500 + GST
⚡ Lounge access policy: None
⚡ Reward rate: 1.5% online, 1% travel

Key Benefits & Characteristics

stars

Category Rewards Multiplier Matrix

1 RP ≈ ₹0.25 to ₹1.00

Spend Category	Earning Multiplier / Return Rate
flight Travel & Flights	2% to 5% points
shopping_cart Online Shopping & SaaS	1% to 5% cashback
storefront Offline Retail Stores	1% reward points
account_balance Government & Tax Pay	0.5% (Caps apply)
house Rent & Wallet Loads	Excluded / 1% surcharge

receipt_long Fee & Surcharge Breakdown

badge Joining Fee

event_repeat Annual Fee

₹1,500 + GST

savings Fee Waiver Threshold

N/A

currency_exchange Forex Markup

3.5% + GST

warning Late Payment Fee

Up to ₹1,300

Detailed Analysis & Review

Community Verdict

[!NOTE] Our Take: A professional card customized specifically for medical practitioners. While the branding adds professional prestige, the reward structure is quite standard. Earns a solid 1.5% online, but lacks the high-end travel perks that busy doctors might actually appreciate.

Pros

Professional Identity: Specialized branding that honors medical practitioners.
Decent Online Earning: Offers a competitive 1.5% reward rate on general web purchases.
Professional Coverage Benefits: Tailored professional indemnity insurance cover options are available.

Cons

No Travel Lounge Benefits: Completely lacks airport lounge access despite a premium annual fee.
Low Base Rewards: Offline retail spends only yield an effective 0.5% return.
Restricted Spends: Rent payment, fuel, and government transactions do not accumulate points.

Reward Spends & Categories

Understanding how your card earns is critical to maximizing your monthly budget. The Doctor’s SBI Credit Card delivers a reward yield of 1.5% online, 1% travel with the following earning rates per category:

Category Spend	Earning Rate / Reward Points
✈️ Flights & Hotels	1% flat rewards
🛍️ Online Shopping	1.5% rewards online
🛒 Offline / Retail Spends	2 Reward Points per ₹100
🏛️ Government Spends	0% (Government transactions excluded)
🏠 Rent Transactions	0% (1% fee capped at ₹250 + GST)

Reward Point Redemption Value

When redeeming your accumulated points, select the highest value redemption channel:

Cash / Statement Credit: Value of 1 Point = ₹0.25
Airmiles (Flight Transfers): Value of 1 Point = 0.25 Airmile per point
Cash Vouchers (Brand Catalog): Value of 1 Point = ₹0.25

Airport Lounge & Travel Perks

Lounge accessibility is currently one of the most volatile card benefits in India. This card offers: None.

[!TIP] With multiple banks implementing quarterly spend-based criteria, make sure you meet the baseline thresholds in the preceding quarter to prevent lounge access declines at the terminal.