Doctor's SBI Card (IMA)
Updated 3 Jul 2026Source-linked
The Doctor's SBI Card (IMA) is a mid co-branded credit card from SBI Card and IMA, with a joining fee of ₹1,499 + GST.
It earns up to 5 pts per ₹100 (≈1.1% value) on IMA spends in the form of reward points (points).
Cardholders get 4 annual international airport lounge access, plus welcome e-gift voucher worth rs. 1,500 from yatra.com as a welcome benefit.
Doctor's SBI Card (IMA)
- Joining Fee₹1,499
- Annual Fee₹1,499
- Best Suited ForCo-brand rewards
- Reward TypeReward Points (points)
Rewards Rate
- 5 pts per ₹100 on medical supplies travel international (cap 7500 points / monthly)
- 5 pts per ₹100 on doctors day spends
- Base 0.22% on other spends
Welcome Benefits
- Welcome e-Gift Voucher worth Rs. 1,500 from Yatra.com
SBImidCo-brand · IMARewards and Benefits
Rewards Rate
5 pts per ₹100 on medical supplies travel international (cap 7500 points / monthly)
5 pts per ₹100 on doctors day spends
Base 0.22% on other spends.
Reward Redemption
4 Reward Points = Re. 1. Pay card outstanding with Reward Points.
Welcome Benefits
Welcome e-Gift Voucher worth Rs. 1,500 from Yatra.com
Milestone Rewards
- ₹5,00,000 / annual: E-Gift Voucher from Yatra.com / Bata / Shoppers Stop worth Rs. 5,000
Domestic Lounge Access
N/A
International Lounge Access
4 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
- other: ₹20,00,000
Other Benefits
- IMA Association — Exclusive association with the Indian Medical Association (IMA).
Fees & Charges
Spend-Based Waiver
₹2,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- Co-branded mid card by SBI Card and IMA.
- Joining / annual fee of ₹1,499 + GST, waived on annual spends of ₹2,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: international (4/annual).
- Insurance cover bundled: other.
Pros & Cons
Pros
- Annual fee waivable on ₹2,00,000 spend.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹1,500 welcome benefit
- Welcome e-Gift Voucher worth Rs. 1,500 from Yatra.comOn joining
Accelerated rewards
- 5 pts per ₹100 on medical supplies travel international (cap 7500 points / monthly)5 RP per Rs.100 on Medical Supplies, Travel Bookings & International Spends. Medical+Travel capped 7,500 RP/month and International capped 7,500 RP/month (separately); thereafter 1 RP per Rs.100.
- 5 pts per ₹100 on doctors day spends5X Reward Points on all spends on Doctor's Day, i.e. 1 July.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹5,00,000 / annual: E-Gift Voucher from Yatra.com / Bata / Shoppers Stop worth Rs. 5,000 (≈ ₹5,000 value)
Airport lounge access
International
4 visit(s) / annual. Via priority-pass.
Max 2 per quarter, international lounges outside India only. Complimentary Priority Pass Membership; post free visits USD 27 + taxes per visit. No complimentary domestic lounge access (domestic PP lounges chargeable at USD 27).
Insurance benefits
- other: ₹20,00,000Professional Indemnity Insurance cover of Rs. 20 lakhs; reimburses legal & defence costs, out-of-court settlement expenses and court awards; 0% deductible.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹250 per statement.
Other benefits
- IMA Association. Exclusive association with the Indian Medical Association (IMA).
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- —
- Income (self-employed)
- —