Credit Card for Doctors

Given below is the list of best credit cards for doctors offered by top banks in India–

Credit Cards for Doctors	Annual Fee	Key Feature	Income Eligibility
Doctor’s SBI Card	Rs.1,499	Professional Indemnity Insurance Cover of Rs. 20 Lakh	Contact the bank
HDFC Doctor’s Superia Credit Card	Rs.1,000	Welcome Benefit: 1,000 Reward Points Renewal Benefit: 1,000 reward points	Contact the bank
Doctor’s SuperCard by RBL Bank & Bajaj Finserv	Rs.999	4 Complimentary Domestic Lounge Access in a year	Contact the bank

1. Doctor’s SBI Card

Annual Fee: Rs.1,499 | Renewal Fee: Rs.1,499 Professional Indemnity Insurance Cover of Rs. 20 Lakhs Welcome e-Gift Voucher worth Rs.1,500 from Yatra.com 4 complimentary visits per year to International Airport Lounges outside India

Other Features and Benefits

Reward Points- 5X Credit Card Reward Points on Medical Supplies, Travel Bookings & International Spends, 5X Reward Points on all spends on Doctor’s Day (1st July), 1 Reward Point per Rs. 100 for all other spends.

Milestone Benefits- E-Gift Voucher from Yatra.com /Bata / Shoppers Stop worth Rs. 5,000 on achieving annual spends of Rs.5 lakh and Renewal Fee Reversal on annual spends of Rs. 2 lakh.

International Lounge Program- Complimentary membership to the Priority Pass Program worth $99 plus access to 100+ airport lounges worldwide.

Domestic Lounge Program- 8 complimentary visits per year to Domestic Airport Lounges in India (maximum 2 visits per quarter allowed).

Fuel Surcharge waiver- 1% Fuel Surcharge Waiver at petrol pumps across the country (purchase fuel ranging from Rs.500 to Rs.4,000 to avail this benefit).

2. HDFC Doctor’s Superia Credit Card

Annual Fee: Rs.1,000 | Renewal Fee: Rs.1,000 Welcome Benefit: 1,000 Reward Points, Renewal Benefit: 1,000 reward points 50% more reward points on dining Protection worth up to Rs. 20 Lakh against costs arising due to professional negligence

Other Features and Benefits

Reward Points-  3 Reward Points for every Rs. 150 you spend. 

Fuel Surcharge Waiver- 1% Fuel Surcharge Waiver at petrol pumps across the country.

Interest free credit- Up to 50 interest free days from the date of purchase.

Milestone Benefits- First year fee reversed if you spend Rs. 15,000 in first 90 days of card issuance date and renewal fee reversed if you spend Rs. 1 lakh in a year prior to renewal date.

Insurance Coverage– Up to Rs.50 lakh complimentary accidental death insurance coverage on making a minimum of 4 transactions (of Rs.100 or more) per calendar month.

3. Doctor’s SuperCard by RBL Bank & Bajaj Finserv

Joining Fee: Rs.999 | Annual Fee: Rs.999 Professional indemnity insurance up to Rs. 20 lakh 4 complimentary domestic lounge visits in a year Buy one, get 1 movie ticket offer on BookMyShow

Other Features and Benefits

Joining Benefit- Joining benefits worth Rs. 1,000 on Amazon, Yatra or Makemytrip on crossing spends of Rs. 2,000 within 30 days of card issuance.

Milestone Rewards- Gift vouchers worth Rs. 2,000 on annual spends of Rs. 1 lakh and vouchers worth Rs. 1,000 on incremental spends of Rs. Rs. 1.5 lakh to Rs. 2 lakh.

Fuel Surcharge Waiver- Monthly waiver of Rs. 100 on fuel surcharge.

Annual Fee Waiver- Annual fee waived-off on spends above Rs. 1 lakh.

Reward Points- 1 reward point on every Rs.100 spent offline, 2X reward points on all online spends, (except for online purchases made on Education, Insurance, Utilities and Wallet Load.

Suggested Read: 10 Best Zero Annual Fee Credit Cards in India

Below listed are the fees and charges associated with the best credit cards for doctors-

Fees / Charges	Doctor’s SBI Card	HDFC Doctor’s Superia Credit Card	Doctor’s SuperCard by RBL Bank & Bajaj Finserv
Annual Fee	Rs.1,499	Rs.1,000	Rs.999
Late Payment Fee	Minimum- Rs.400 Maximum- Rs.950	Minimum- Rs.100 Maximum- Rs.950	Minimum- Rs.400 Maximum- Rs.950
Over Limit Fee	2.5% of overlimit amount subject to a minimum of Rs. 500	2.5% of the amount that is over limit or Rs.500	Rs. 600
Cash Advance Limit	Up to 80% of the credit limit	40% of the credit limit	NA
Interest Rate	3.35% per month	3.49% per month	3.99%
Foreign Currency Mark-Up Fee	3.5%	3.5%	3.5%
Minimum Amount Due	5% of Total Outstanding	5% or Rs.200 (whichever is greater)	5% of Total Outstanding

Eligibility Criteria-

Doctor’s SBI Card	HDFC Doctor’s Superia Credit Card	Doctor’s SuperCard by RBL Bank & Bajaj Finserv
Applicant should be a practicing salaried doctor or a self-practicing doctor for more than 3 years Minimum age required- 21 years and Maximum age required- 65 years	Applicant should be a practicing salaried doctor or a self-practicing doctor Minimum age required- 21 years and Maximum age required- 65 years	Must be in the age group of 25-65 years Must not be a defaulter in making payments The residential address must be in SuperCard live location in India Must have a minimum credit score of 750

Documents Required- Following is the list of documents required to be submitted at the time of application.

Proof of Identity	PAN Card, Aadhaar Card, Passport, Voter’s ID Card, Driving License, Ration Card, Arms License, Freedom Fighter’s ID Card or any other photo ID proof duly signed by a Gazetted Officer and legally accepted in the country
Proof of Address	Passport, Aadhaar, Voter’s ID Card, Ration Card, Driving License, Lease/Rent Agreement, Property Documents, Utility Bills (not more than 3 months old), any other address proof legally accepted in the country
Proof of Income	Salary Slip (last 3 months), Bank Statement (last 6 months), Form-16, ITR, Certified financial documents, Proof of business continuity

You can apply for a Doctor’s Credit Card both online as well as offline.

Steps to apply for Doctor’s Credit Card Online-

Step 1- You can visit the official website of the preferred bank and apply for a credit card by filling out some basic details like name, email ID, contact number, income, address, etc.

Step 2- You will receive a call from a representative of the respective bank who will guide you through the process.

Step 3- A representative will also come to collect your documents at your doorstep.

After this, the bank will check the documents and, after verification, will issue the credit card.

Steps to apply for Doctor’s Credit Card Offline-

Step 1- Visit the nearest bank branch and ask about your preferred card variant.

Step 2- The representative will tell you about the cards that match your requirements.

Step 3- You will have to fill the application form and provide some documents such as identity proof, address proof, income proof, passport-size photographs etc.

Must Read- Top 10 Credit Cards in India

What is an IMA card?

Doctor’s SBI Card (IMA) is the only credit card associated with the Indian Medical Association (IMA). This card is specially designed keeping a doctor’s lifestyle in mind.

Is the annual fee inclusive of GST?

No, the annual fee is not inclusive of GST.

Are the add-on credit cards only available to medical practitioners in the family of the primary cardholder?

No, only the primary cardholder needs to be a doctor. The add-on credit cards can be availed by family members who are not doctors.

What is the grace period available on the Doctor’s Superia Credit Card?

You get an interest-free period up to 50 days with the HDFC Bank Doctor’s Superia Credit Card.

Will I need to submit any proof of identity while filing an application for the card online?

While filing an application online you will be required to upload documents like the proof of identity, proof of address and income and other documents as may be required by the bank.