Doctor’s IMA SBI Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

The Welcome Gift offered by Yatra.com is an e-Voucher valued at Rs. 1,500. For international transactions, medical supplies, and travel bookings, customers will earn 5 times the reward points. On Doctor's Day, customers will also earn 5 times the reward points on all spending. For all other purchases, customers will earn 1 reward point for every Rs. 100 spent. Customers can enjoy up to 35% off on Avis Car Rentals. If an annual spend of Rs. 2 lakh is reached, the renewal fee will be waived. Cardholders have the opportunity to avail a Professional Indemnity Insurance Cover of Rs. 20 Lakhs. Eight times a year, cardholders can access domestic airport lounges for free (maximum two visits per quarter). Four times a year, cardholders can access international airport lounges for free (maximum two visits per quarter). Cardholders will also receive complimentary membership access to the Priority Pass Program, valued at $99. A 1% fuel surcharge waiver will be granted on fuel purchases ranging from Rs. 500 to Rs. 4,000 at all petrol pumps in the country.

The Doctor’s IMA SBI Card is a credit card specifically designed for doctors, offering a range of benefits tailored to their profession and lifestyle.

With a joining fee of Rs. 1,499 + GST and a renewal fee of Rs. 1,499 + GST, this card is affordable and provides great value for money.

For doctors who frequently travel, this card is the perfect choice.

The reward type is Reward Points, giving cardholders the opportunity to earn points on their spending.

For every Rs. 100 spent, cardholders will receive 1 Reward Point, offering a reward rate of 0.25%.

Additionally, for medical supplies, travel bookings, and international spends, cardholders will earn 5 Reward Points per Rs. 100 spent, with a reward rate of 1.25%.

Furthermore, on Doctor's Day, cardholders will earn 5 reward points on all spends, making it even more rewarding for doctors.

One of the highlights of this card is the welcome benefit.

Cardholders will receive a complimentary travel gift voucher from Yatra.com worth Rs. 1500.

This voucher can be redeemed online at the time of purchase, giving doctors a head start on their travel plans.

The Doctor’s IMA SBI Card also offers excellent lounge benefits.

Cardholders will have free access to the priority pass program worth $99, providing access to international lounges.

For domestic airports, cardholders can enjoy complimentary lounge access 8 times a year, with a maximum of 2 times per quarter.

For international airports, cardholders can access lounges 4 times a year, again with a maximum of 2 times per quarter.

Insurance benefits are also included with this card.

Cardholders will receive Professional Indemnity Insurance which covers up to Rs. 20 lakhs per card and includes court awards, out-of-court settlement expenses, and reimbursement of legal and defense costs.

This insurance offers peace of mind and protection for doctors.

The Doctor’s IMA SBI Card offers a renewal fee waiver on annual spends of Rs. 2 lakhs, making it easier for cardholders to continue enjoying the benefits of this card.

However, it is important to note that there is a rewards redemption fee of Rs. 99 (plus applicable taxes).

When using this card for foreign currency transactions, there is a markup of 3.5% of the transaction amount.

However, there is a waiver of 1% fuel surcharge at all petrol stations in the country, with a maximum of Rs. 250 per cycle.

Cash advances are also available, with a fee of 2.5% of the transaction amount or Rs. 500, whichever is lower.

Overall, the Doctor’s IMA SBI Card is an excellent choice for doctors who love to travel.

With its rewarding benefits, lounge access, insurance coverage, and renewal fee waiver, this card provides great value and convenience for doctors' professional and personal needs.