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

• 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: Upto Rs.25 or 3.35% per month (40.2% per annum) whichever is higher, from the date of transaction
• Minimum amount due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)

• Cash advance limit: Up to 80% of the credit limit, with a maximum of Rs. 15,000 per day
• Free credit period: Nil
• Finance charges: Upto Rs.25 or 3.35% per month (40.2% per annum) whichever is higher, 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

• Statement retrieval: Rs. 100 per statement that is more than 2 months old
• Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 450
• Cheque Pick Up Fee: Rs.100
• Cheque Fee: Rs. 100 (Payments made via cheque upto Rs. 10,000)
• Late payment:
  • NIL for Total Amount due from Rs.0-Rs.200;
  • Rs. 100 for Total Amount due greater than Rs. 200 & up to Rs. 500;
  • Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;
  • Rs. 600 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;
  • Rs. 800 for Total Amount due greater than Rs. 10,000 & up to Rs. 25,000;
  • Rs. 950 for Total Amount due greater than Rs. 25,000
• Overlimit: 2.5% of overlimit amount subject to a minimum of Rs. 500
• Card replacement: Rs. 100
• Emergency Card Replacement Fee, when abroad: Actual cost, with a minimum of $175
• Foreign currency transaction: Conversion mark up: 3.5%
• Rewards redemption fee: Rs. 99
• Cash Payment Fee: Rs. 100

• Railway tickets through counters: Rs. 30 + 2.5% of transaction amount
• Railway tickets through irctc.co.in: 1.8% of transaction amount + service charge, as applicable
• Petrol and other products or services sold at petrol pumps:    1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 4,000, exclusive of applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card accounts.
  1% of transaction amount for transaction Amount Betweeen Rs. 500 to Rs. 4,000

• 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