Doctor’s IMA SBI Card: Features & Apply

Summary

To put it briefly, Doctor’s IMA SBI Card is an end-to-end money management product especially designed for IMA membership-holding doctors. It provides an extensive variety of benefits besides standard credit card usage, and thus, it is a useful product for medical doctors. For one, it offers reward points on each transaction, which can be exchanged for thrilling rewards in the form of gifts and shopping vouchers. This aspect is extremely beneficial for doctors as it saves them money on personal as well as professional expenses.

Besides, the card also provides free professional indemnity insurance, which protects doctors from legal suits pertaining to medical practice. This is a valuable facility for doctors, as it ensures peace of mind in a profession where this is a frequent risk. The card provides fuel surcharge waivers, convenient conversion of EMI, and annual fee waivers, ensuring that the card is both economical and easy to use for doctors.

Further, the Doctor’s IMA SBI Card has no geographic limitations and accepts contactless payment technology, which makes the transactions quicker and more convenient. Doctors are also provided with air accident cover and lost card liability cover, which provides cardholders with an added security feature.

Introduction

In today’s fast life, doctors have an important role to play in keeping us safe and healthy. They work long hours and are always running around, handling emergencies and saving lives. With a job so hectic, personal finances sometimes take a backseat. That’s where the Doctor’s IMA SBI Card comes in. Tailored especially for Indian Medical Association (IMA) members, this card is not just any credit card – it’s a money partner who understands the unique needs of healthcare professionals.

To begin with, this co-branded card is the result of a strong association between the State Bank of India (SBI) and the Indian Medical Association (IMA). This is done to repay doctors with personalized incentives, perks, and financial support in consonance with their lifestyle. Earning reward points, waivers against fuel surcharge, or receiving hassle-free facilities of EMI – Doctor’s IMA SBI Card promises all this and more.

Besides, the other very attractive selling point of this card is the complimentary professional indemnity insurance. This is an added feature that provides doctors with a safety cushion against professional risk, which is very important in the present challenging healthcare environment. In combination with that, the card also has fee rebates on annual expenditure, making it cheaper in the long run.

Another significant aspect to mention is how convenient it is to apply for this card. SBI has kept the process simple and effortless, so that doctors do not have to take time out from their busy schedule to fill papers. They can apply online with a few easy steps and get to enjoy benefits even within minutes of approval. Moreover, being a Visa credit card accepted worldwide, they can use it not only in India, but also when they travel abroad – either for conferences, studies, or holidays.

What is the Doctor’s IMA SBI Card?

Doctor’s IMA SBI Card is a unique credit card designed specially for doctors as members of the Indian Medical Association (IMA). It is brought by State Bank of India (SBI) in collaboration with the IMA to meet the unique financial needs of medical professionals. Unlike common credit cards, this card comes with features according to the active and responsible life of doctors.

To start with, the card gives points of reward for every purchase, along with exclusive discounts on hospital equipment, travelling, dining, and so forth. In this manner, whereas doctors schedule work, they get to save money and have exclusive discounts as well. Secondly, the card also offers professional indemnity insurance, which gives them protection against claims in respect of their medical practice, extremely essential for any doctor today.

How is the design of the Doctor’s IMA SBI Card?

Furthermore, professional and elegant in look, the Doctor’s IMA SBI Card fits a medical practitioner. First, the card has a strong and commanding look since the Indian Medical Association (IMA) logo is included within the extremely well-known SBI Card brand name. It has a clean and hip layout, with calming and sophisticated colors that suit the doctor-like image.

Moreover, the card is built with high-quality material and is also fitted with contactless payment technology, thus contemporary and easy to use. Doctors can simply wave the card over any contactless machine to make a quick and secure payment. This is useful in busy hospitals or clinics where time is of the essence.

What are the benefits of the Doctor’s IMA SBI Card?

These are the major advantages explained in easy-to-understand terms:

1. Reward Points on Every Spend

You get 5 reward points for each ₹100 spent on medical equipment, travel reservations, and eating out. For any other spending, you get 1 reward point for each ₹100 spent. You can exchange these points for gifts, vouchers, or any other rewards.

2. Professional Indemnity Insurance

It is one of the largest advantages. Free professional indemnity cover for ₹10 lakhs is provided to doctors. It insures them against liability due to the practice of medicine or negligence-based litigation.

3. Air Accident and Card Liability Cover

Cardholders are insured up to ₹50 lakhs in the event of an air crash. A fuel charge waiver is also provided. Lost card liability cover for ₹1 lakh also guards you against misuse in case your card is stolen or lost.

4. Fuel Surcharge Waiver

Fuel your savings! You receive a 1% fuel surcharge waiver on spends between ₹500 and ₹4,000 at all petrol pumps across India.

5. Easy EMI Option

You can convert big-ticket purchases into easy monthly installments (EMIs). This makes it easy to pay for costly items such as medical equipment or travel reservations without financial pressure.

6. Waiver of Annual Fee

If your spending exceeds a set limit during a year (typically ₹3 lakhs), you are eligible for the waiver of the next year’s annual fee, thereby rendering the card affordable.

What are the fees for the Doctor’s IMA SBI Card?

Here is a simple breakdown of the  Doctor’s IMA SBI Card fees.

Joining Fee	Rs. 1,499 + GST
Annual Fee	Rs. 1,499 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.5% per month (42% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Doctor’s IMA SBI Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get a Doctor’s IMA SBI Card?

The documents that you will have to submit to get an Anaake MyTrip SBI Bank Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Doctor’s IMA SBI Card be used?

Here is the list of places where you can use it:

• With the Doctor’s IMA SBI Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  Doctor’s IMA SBI Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  Doctor’s IMA SBI Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Doctor’s IMA SBI Card?

The credit amount you can spend is what you are provided to you with a Doctor’s IMA SBI Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a Doctor’s IMA SBI Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the SBI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by SBI Bank; for instance, you can choose the  Doctor’s IMA SBI Card.

• Just hover your cursor on the  Doctor’s IMA SBI Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest SBI Bank branch to apply for the  Doctor’s IMA SBI Card.

• Request for the credit card application form of the  Doctor’s IMA SBI Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  Doctor’s IMA SBI Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting a Doctor’s IMA SBI Card in 2025 be right?

Yes, getting a Doctor’s IMA SBI Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

SBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Short, the IMA of the Doctor SBI Card is indeed a thoughtful and pragmatic tool for doctors’ support. Not only does it value the individual life and responsibility of medical physicians, but it also provides them with the comforts and rewards they all yearn for. From earning reward points on every transaction to benefiting from professional indemnity insurance, the card is indeed more than just a credit card.

Furthermore, with fuel surcharge exemptions, simple EMI facilities, and universal acceptability, it offers convenience, affordability, and peace of mind in daily life. Doctors lead a busy life, and with this card, their financial life as well becomes easy and stress-free. Besides, the contactless payment facility allows doctors to make payments instantly and securely, even during rush hours.

Also, the impressive annual fee waiver based on spending makes it an economical choice. Whether you are a young doctor just starting your working life or an established practitioner with years of working life under your belt, this card gives useful advantages that are in keeping with your working life. Not to mention, the IMA logo on the card gives it a unique and beaming identity, thus making it all the more personalized and unique for any working doctor.

Frequently Asked Questions (FAQ’s)