Apply Now for IMA Associated Doctor’s SBI Card

• For detailed Terms and Conditions and Usage Directions, click here

• Get 5X Reward Points on Medical Supplies, Travel Bookings & International Spends
• Get 5X Reward Points on all spends on Doctors’ Day i.e. 1st July
• Earn 1 Reward Point per Rs. 100 for all other spends
• Cumulative 5X Reward Points accrued per Rs. 100 spent on Medical Supplies and Travel Booking Spends and Cumulative 5X Reward Points accrued per Rs. 100 spent on International Spends for your Doctor's SBI Card - each will have a maximum cap of 7,500 Reward Points per month. After the cap limit of 7,500 Reward points is achieved, 1 Reward Point for every Rs. 100 spent, as per the card policy, will continue to accrue.

• Enjoy exclusive benefits across 900 luxury hotels worldwide
• Get upto 35% off on Avis Car Rentals
• Enjoy 15% off on Limo Luxury Airport Transfer service
• Enjoy savings of upto 10% on Hertz Car Rental Program
• Get exclusive 20% Discount on Airport Fastrack Immigration at over 450 destinations worldwide
• To know more about Visa Signature privileges, click here
• Listed offers are valid till 31 Dec ‘18

• Daily purchases now made easy with Doctor's SBI Card. Simply wave your card at a secure reader and your transaction is done. It’s fast, easy and incredibly convenient.
• Fast & Convenient: No need to hand over your card or look for cash /coins for everyday small ticket purchases. Simply wave your card & go. It’s as fast & convenient as that.
• Security: During a transaction the card never leaves your hand; significantly reducing the risk of card loss and fraud due to counterfeit (skimming). Even if the card is waved multiple times at the reader, the unique security key feature of Visa payWave will ensure that only one transaction goes through, thus making it more secure.
• Please Click here to download the FAQ’s.
• Please Click here to download the list of Merchants enabled for transactions.

• Doctor's SBI Card is accepted in over 24 million outlets across the globe, including 3,25,000 outlets in India

• Get your Doctor's SBI Card replaced anywhere in the world
• 24x7 helpline for emergency card replacement even while travelling abroad. Click here for Visa helpline numbers
• In case your card is lost in India, please call
  • Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290

• With Doctor's SBI Card, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18

• Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe

• Get enhanced security against counterfeiting and skimming with the chip and pin enabled Doctor's SBI Card

• Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your Doctor's SBI Card
• Click here to know more

• With Flexipay, convert your transactions in easy monthly installments. Just transact for Rs. 2,500 or more using your Doctor's SBI Card, and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay
• Click here to learn how to apply for Flexipay

• Save money while paying your credit card dues
• Transfer the outstanding balance of other banks’ credit cards to your Doctor's SBI Card, to avail a lower rate of interest and pay back in EMIs
• Log on to sbicard.com with your user ID and password to take benefit of this service
• Click here to know more about Balance Transfer on EMI

• With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
• Log in with your username and password to sbicard.com to book Easy Money

• Annual Fee (one-time) : Rs. 1,499
• Renewal Fee (per annum) : Rs. 1,499

• Interest Free Credit Period: 20-50 days (applicable only on retail purchases and if previous month’s outstanding balance is paid in full)
• Finance Charges: 3.50% p.m. (42% p.a.) for unsecured cards; 2.5% p.m. (30% p.a) for secured cards and Shaurya Cards.
• Minimum Amount Due: 5% of Total Outstanding (Min. Rs. 200) + all applicable taxes+ EMI (in case of EMI based products) + OVL amount (if any)

• Cash Advance Limit: Upto 80% of Credit Limit ( Max. 12K / day for Gold, Titanium & 15K / day for Platinum/Signature Cards)
• Free Credit Period: Nil
• Finance Charges: 3.50% p.m. (42% p.a.) for unsecured cards; 2.5% p.m. (30% p.a) for secured cards and Shaurya Cards from the date of withdrawal

• SBI ATMs or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 500
• International ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 500

Cash Payment Fee: Rs. 199

Payment Dishonor Fee: 2% of Payment Amount (subject to a minimum of Rs. 500 )

Statement Retrieval: Rs. 100 per Statement (>2 months old)

Cheque Fee: Rs. 100

Late Payment:

• NIL for Total Amount due from Rs.0-Rs.500;
• Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;
• Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;
• Rs. 950 for Total Amount due greater than Rs. 10,000 up to Rs. 25,000;
• Rs. 1100 for Total Amount due greater than Rs. 25,000 & up to Rs. 50,000
• Rs. 1300 for Total Amount due greater than Rs. 50,000

Overlimit: 2.5% of Overlimit Amount (subject to minimum of Rs. 600)

Card Replacement: Rs. 100 - Rs. 250

Emergency Card Replacement(When Abroad): Actual cost ( subject to minimum of $175)

Foreign Currency Transaction: Conversion mark up: 3.5% (For All Cards Except Elite & Aurum) 1.99%(For Elite & Aurum Cardholders Only)

Dynamic & Static Conversion Transaction : Markup: 3.50% (For All Cards Except Elite & Aurum) 1.99%(For Elite & Aurum Cardholders Only)(Only for transactions greater than or equal to Rs. 1000)

All transaction carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas

Rewards Redemption Fee: Rs. 99

Priority Pass Lounge Charges: All Airport Lounge visits within India through the Priority Pass Program will be charged with an usage fee of $27 per visit + applicable taxes.

All Airport Lounge visits outside India through the Priority Pass Program, after exhausting the complimentary visits, will be charged with an usage fee of $27 per visit + applicable taxes. For more details, please visit sbicard.com

All guests being accompanied by the SBI Cardholder having the Priority Pass, to visit the Airport Lounge will be charged with an usage fee of $27 per visit + applicable taxes.

Railway Tickets - Railway Counters: Rs. 30 + 2.5% of transaction amount

Railway Tickets(irctc.co.in ): 1% of transaction amount + all applicable taxes.

Petrol & all products/services sold at petrol pumps:

• 1% of transaction value. 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) for single transaction spends between Rs.500 and Rs.4,000 for Signature & Platinum Cards; Rs.500 and Rs.3,000 for all other cards.

Payment of Customs duty: 2.25% of transaction amount (subject to minimum of Rs. 75)

All taxes would be charged as applicable on all the above Fees, Interest & Charges.

“Applicable Taxes” (for Statements issued on or after 1st July, 2017) means:

• for the cardholders having State of residence in the records of SBI Card on the statement date as “Haryana” - Central Tax @ 9% and State Tax @ 9%
• for the cardholders having State of residence in the records of SBI Card on the statement date as other than “Haryana” - Integrated Tax @ 18%

All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

Your continued usage of the card will be deemed as acceptance of these amendments.

• Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
• All taxes would be charged as applicable on all the above Fees, Interest & Charges.

Your continued use of the card will be deemed acceptance of these amendments.

For assistance, please call SBI Card helpline at:

Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290

All information in this communication is correct as per June 2011 and is subject to change at the discretion of SBICPSL. SBI Card most important terms and conditions are also available at sbicard.com