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Doctor’s SBI Card

by Kshitiz V Sharma on

The Bottom Line

Doctor's SBI Card
Strong Fee, Weak Medicine

5 Reward Points / ₹100 on Medical Supplies, Travel Bookings & International Spends, 5 points on Doctor’s Day and 1 point on all other spends.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield (-2.3%)^ (-0.9%)^ 0.4% 1.1% 0.8%
Est. Monthly Reward (₹) (115) (95) 80 535 790
All-India Rewards Rank* 287 299 225 114 166
Within Bank Rank* 52 55 49 37 48
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The Doctor’s SBI Card gives 1.25% effective reward on medical supplies, travel & foreign spending and 0.25% on all other spends.

Overall, you can earn a net reward yield of 0.4-1.1% on spending above ₹20,000 with this card.

The CASHBACK SBI Card is the best credit card for most SBI Card customers. We estimate it offers an average net reward yield of 1.9-2.3% on all your spending.

The SBI Unnati Credit Card is the best entry level card, if you spend less than ₹10,000 . It offers a net reward yield of 0.3-1.1% with this card on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card Doctor’s SBI Card
Card Type Reward
Reward Features 5 Rewards / ₹100 on:
– Medical Supplies
– Travel Bookings
– International Spends

5 Rewards / ₹100 on Doctor’s Day

1 Rewards / ₹100 on all other spends

Milestone Rewards E-Gift Voucher worth ₹7,000 from Yatra.com/Bata/Shoppers Stop on achieving annual spends of ₹5 Lacs
Other Rewards – Complimentary membership to the Priority Pass Program

– 2 Complimentary Domestic Airport Lounge Visits / Qtr

– 1 Complimentary International Airport Lounge Visits / Qtr

Rewards Redemption Fee ₹99
Reward Caps Unlimited
Preferred Redemption Method Use points to pay off statement balance @ ₹0.25/point


Fees & Charges

Card Doctor’s SBI Card
Joining Fee ₹1,499 + Taxes
Annual Fee ₹1,499 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹2 Lacs
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 40.00%
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% with a minimum of ₹500

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