Doctor's SBI Card (in Association with IMA)
SBI Card · Checked 2026-10-09
Doctor's SBI Card (in Association with IMA) is a paid card focused on travel benefits, reward points and airport lounge access, charging ₹1,499 annually before GST.
CardIQ editorial view
Our take
Doctor's SBI Card (in Association with IMA) is a paid card focused on travel benefits, reward points and airport lounge access, charging ₹1,499 annually before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise reward points.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 5 points per ₹100 on eligible medical supplies, travel and international spends; 1 point per ₹100 on other eligible purchases.
- Four domestic and four international lounge visits yearly; quarterly limits apply.
Trade-offs to understand
- 4 points = ₹1 for eligible redemptions.
- Four domestic and four international lounge visits yearly; quarterly limits apply.
- The ₹1,499 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 5 points per ₹100 on eligible medical supplies, travel and international spends; 1 point per ₹100 on other eligible purchases valuable enough to clear the fee. Factor in this condition: 4 points = ₹1 for eligible redemptions.
Compare before deciding
- IDBI Bank Euphoria World — A similarly priced alternative for comparing airport lounge access and reward points.
- IDBI Bank Royale Signature — A similarly priced alternative for comparing reward points and airport lounge access.
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Benefits, limits and conditions
- 4 points = ₹1 for eligible redemptions.
- Four domestic and four international lounge visits yearly; quarterly limits apply.