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SBI CardDoctor's SBI Card (in association with IMA)Visa

Doctor's SBI Card (in association with IMA) Credit Card

SBI Card · with IMA · Premium

Reviewed by Chandan Kumar Dash

5X Reward Points on medical supplies, travel bookings and international spends.

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Joining fee

₹1,499

Annual fee

₹1,499

Waiver spend

₹2,00,000

Forex markup

3.5%

Fee waiver

Spend ₹2,00,000 in a card year and the next annual fee is waived.

That is about ₹16,667 a month.

Work out what you still need to spend

Recent changes

• 1 May 2026Worse for you

  Late payment charge becomes Rs 100 for dues of Rs 100 to 500 and Rs 500 for dues of Rs 500 to 1,000.

  Source

All card changes in 2026

Work it out for this card

Offers on this card now

• Groceries
  SSpencer's

  5% instant discount up to ₹250 at Spencer's

  Minimum transaction ₹2,500. Not valid on Corporate, Paytm SBI and Cashback cards, or on UPI payments with SBI RuPay credit cards.

  Ends 22 OctBank's terms

• Shopping
  CCity Bazaar Metro

  5% instant discount up to ₹500 at City Bazaar Metro, SS Mart and Val-U-Store

  Minimum transaction ₹2,000. One non-EMI transaction per card, on Pine Labs card machines only.

  Ends 31 OctBank's terms

• Shopping
  LLulu Hypermarket

  Up to ₹16,000 instant discount at Lulu Hypermarket

  7.5% up to ₹2,000 on bills of ₹20,000 to ₹49,999 and 7.5% up to ₹4,000 on ₹50,000 to ₹99,999, with flat discounts on larger bills. Pine Labs card machines only. Not valid on Corporate, Paytm SBI and Cashback cards, or on UPI payments with SBI RuPay credit cards.

  Ends 15 NovBank's terms

• Electronics
  Xiaomi

  Up to ₹10,000 instant discount on select Xiaomi products

  Valid at select stores and e-stores powered by Pine PG, once per card per aggregator per channel. Also valid on EMI of 6 months and above.

  Ends 30 NovBank's terms

3 more on the card offers page. Checked 18 Oct from the bank's own pages; read the bank's terms before you pay.

How the app counts rewards

• 5X points on travel agency bookings (up to 7,500 points a month, shared with medical supplies)
• 5X points on international spends (up to 7,500 points a month)
• 1 point per ₹100 on other spends

No rewards on fuel, rent, wallet loads.

Airport lounges

• Domestic: 4 visits a year
• International: 4 visits a year

Domestic max 1 a quarter; international via Priority Pass, max 2 a quarter

Points

Reward Points, worth about ₹0.25 each on the usual redemption. Expire after 2 years.

Work out what your points are worth

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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