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COFFERCards. Points. Value.
SBI Card

Doctor's SBI Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Reward Point

Annual fee

₹1,499 + GST

What it gives back

1 Reward Point per ₹100 · everyday spends

Read from 8 SBI Card documents, last checked 19 Oct 2026.

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How it compares

Compared with the cards we have read

₹1,499 annual fee: of the 273 other open cards whose annual fee we have read, 187 state a lower one, 13 state the same and 73 state a higher one.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

Fees

  • Annual feeRenewal fee

    ₹1,499 + GST

Rewards

  • Reward rate

    1 Reward Point per ₹100 · everyday spends1 Reward Point per ₹100 for all other spends.

Charges

  • Forex markup

    3.5% on foreign currency transactions.3.5% foreign currency transaction fee

  • Dynamic currency conversion markup

    3.5%3.5% (For All Cards Except Aurum, Elite, Prime NRI Secured, Tata Neu Infinity SBI Credit Card and SBI Card Miles Elite/Miles Prime/Miles)

  • Cash advance fee

    2.5% of transaction amount, subject to a minimum of ₹500

  • Interest on unpaid balance

    3.75% p.m.

  • Interest-free period

    20-50 days interest-free when you pay in full.

  • Late payment fee

    Nil to ₹1,300, depending on outstanding amount due.

  • Over-limit fee

    2.5% of Overlimit Amount (subject to a minimum of ₹600); Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund

  • Payment return or dishonour fee

    2% of Payment amount (subject to a minimum of ₹500)

  • Card replacement fee

    ₹100 - ₹250 (₹1500 for Aurum)

  • Cash payment / cash deposit fee

    ₹250

  • Cheque payment / dishonour fee

    ₹200; not applicable for SBI Card Unnati, SBI Card Vyapaar Unnati and SBI Card Krishak Unnati Credit Cards

  • Education / school fee charge

    W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps; payments made directly to colleges or schools via their websites or POS machines will not attract any fee

  • Foreign ATM fee

    2.5% of transaction amount (subject to a minimum of ₹500) at International ATMs

  • Reward redemption fee

    ₹99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM. No redemption fee will be charged to the card account if, the card account status is found voluntarily closed on the fee posting date

  • Wallet load charge

    W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

  • Rent transaction fee

    ₹199 processing fee on all rent payment transactions; Processing Fee will not be reversed in case of transaction reversal / cancellation / refund.

  • Utility transaction fee

    W.e.f. 1st Dec 2024, 1% of total amount of Utility Payments, if the total amount exceeds ₹50,000 in a billing cycle

  • GST note

    All taxes would be charged as applicable on all the above Fees, Interest & Charges

  • Grace days after the due date

    Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

  • Minimum amount due

    100% of GST + 100% of EMI amount + 100% of Fees/Charges +100% of finance charges+ Overlimit Amount (if any) + 2% of remaining balance outstanding

In the terms, not the brochure (1)

  • Whether carrying a balance ends the interest-free period

    Interest free credit period applicable only on retail purchases and if previous month’s outstanding balance is paid in full

How we know - 8 documents from SBI Card, checked 19 Oct 2026

8 documents from SBI Card, checked 19 Oct 2026.

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₹1,499 a year

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