SBISBI CardDoctor's SBI Card (in association with IMA)Visa
Doctor's SBI Card (in association with IMA) Credit Card
SBI Card · with IMA · Premium
5X Reward Points on medical supplies, travel bookings and international spends.
- 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.
Work it out for this card
Compare with other cards
Fee waiver: what is left to spend
Card EMI or personal loan?
Cost of paying only the minimum
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.
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 2026.10.04.
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