SBI Card for Doctors
CancelYour degree was the application form — and SBI printed your qualifications on the card.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until SBI Card publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · the network variants
The take
SBI's first card for a profession, and the interesting part is the eligibility page rather than the rate. A doctor with more than three years in practice supplied a visiting card and a self-attested copy of a degree or Medical Council registration, and that was the whole test — no income figure at all, on a shelf where the plain classic asked ₹75,000 a year and the Gold asked ₹2,25,000. In exchange SBI personalised the plastic "with not only your name, but also with your relevant medical qualifications", and bolted on the one benefit no other card of the era had: professional indemnity cover of ₹10 lakh from Oriental Insurance at up to 32% off market premium, which for a practising doctor is a real line item rather than a brochure line. Everything else is the 2006 SBI classic underneath — ₹6 lakh of air accident cover, ₹15,000 of purchase protection, ₹1,000 of lost-card liability, an AVIS discount code and an IAPA membership at 20% off, a fuel-surcharge saving between ₹400 and ₹2,000 at IndianOil and IBP pumps. What it never had was a published earn rate: every sibling on the shelf prints one and this page does not, across five years of captures. It cost ₹1,000 in year one and was replaced around mid-2010 by a free SBI Doctors Card that finally stated a rate.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
SBI Card publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 3 Aug 2026 SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme issuer-wide
- 31 Mar 2026 SBI kills both Etihad Guest co-brands and force-swaps holders into MILES issuer-wide
- 10 Jan 2026 SBI Card splits domestic lounges into tiers, adds entry fees issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- No income criterion at all for a doctor with over three years in practice — a visiting card and a self-attested degree or Medical Council registration were the whole test
- Professional indemnity cover of ₹10 lakh from Oriental Insurance at up to 32% off market premium rates
- The card was personalised with the holder's medical qualifications, not just their name
- ₹6 lakh of air accident cover and ₹2 lakh for other accidents, free with the card
- Purchase protection up to ₹15,000 against theft, burglary and fire for 90 days
- Fuel surcharge saved on transactions between ₹400 and ₹2,000 at designated IndianOil and IBP pumps
Watch out
- SBI published NO reward rate, currency or redemption route for this card on any capture from 2005 to 2010, while every sibling on the same shelf published one
- ₹1,000 in year one (₹250 joining plus ₹750 annual), with no spend-based reversal published anywhere
- The indemnity cover is a DISCOUNT on a policy you buy from Oriental Insurance, not cover the card gives you
- The indemnity block disappears from the page by 2010 — the last capture carries neither it nor the accident cover
- Extended credit ran up to 2.95% a month (35.4% a year) from the transaction date
- Cash advances capped at 40% of the credit limit and ₹10,000 a day — the tightest cap on the shelf, where the Mumbai edition allowed ₹12,000 and the Gold ₹15,000
- 3.5% foreign-currency markup
- No lounge access of any kind — the AVIS, IAPA and Carlson Wagonlit lines are discount codes, not doors
- Withdrawn — absent from SBI's 67-record live product catalogue and from its 92-row MITC fee table
What these points actually fly
SBI Card has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. SBI replaced it around mid-2010 with a free SBI Doctors Card on its next host, and replaced that in 2018 with the ₹1,499 Doctor's SBI Card that is still sold today. Both are on this board. Nothing of this generation survives in SBI's live catalogue.
SBI Card publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programmeSBI Card Travel Credits transferred 1:1 into Etihad Guest, one of eighteen airline partners in §3 of the MILES rewards T&C. At the ₹1/partner-mile anchor that was a full-value exit, and it was the only route left after the two Etihad Guest SBI co-brands were retired. → No Etihad route at all. The MILES rewards T&C now lists seventeen airline partners and Etihad is not one of them — the word does not appear anywhere in the seven-page document. Every other SBI partner survives at the same ratio.
SBI Card's own MILES rewards T&C, re-fetched on 22 August 2026 and carrying a 3 August 2026 ModDate inside the PDF, has one fewer airline in it than the edition this desk read on 2 August. The deletion is provable from the numbering rather than from absence alone: the table's first seven rows are unchanged (Air Canada 3, Air France-KLM 4, Air India 5, British Airways 6, Cathay 7), and every row from position eight onward has moved up exactly one — Thai from 14 to 13, Qantas from 17 to 16. Position eight was Etihad Airways / Etihad Guest / 1:1. All twenty-four other partners we carry, airline and hotel, are still there at the same ratios, so this is Etihad being dropped and not SBI narrowing transfers. The timing matters more than the ratio. SBI phased out the Etihad Guest SBI and Etihad Guest SBI Premier cards from December 2025 and reissued holders onto MILES products, and the transfer route was what made that migration survivable — a Premier holder who had spent six years earning Etihad miles could keep feeding the same account through Travel Credits. That is now closed, and India's remaining pipes into Etihad Guest run through BOBCARD's Etihad co-brands, not through SBI. If you hold SBI Travel Credits earmarked for an Abu Dhabi business seat, they are Aeroplan, Flying Blue, Avios or Maharaja points now. ON THE DATE: SBI publishes no notice and no cut-off. The date here is the day the desk read the change out of SBI's own document; the PDF's internal ModDate puts the edition at 3 August 2026, which is the earliest day we can prove, not an announcement.
- 1 Jul 2026PhonePe SBI SELECT BLACK stops paying on UPI outside PhonePe
- 1 Jul 2026PhonePe SBI PURPLE stops paying on UPI outside PhonePe
- 31 Mar 2026SBI kills both Etihad Guest co-brands and force-swaps holders into MILES
- 9 Mar 2026Paytm SBI Card stops earning on school and education spends
- 9 Mar 2026Paytm SBI Card SELECT stops earning on school and education spends
- 10 Jan 2026SBI Card splits domestic lounges into tiers, adds entry fees
- 1 Dec 2025SBI discontinues the OLA Money card and moves holders onto a house card
Every SBI Card change we've dated → 19 events since 1998, 13 of them nerfs — worst year 2025.
Verified against SBI Card's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 4 of them, each with the day we read it
- official SBI Card's own SBI Card for Doctors benefits page, archived 28-Oct-2006 — the indemnity discount, the qualification personalisation and the ₹6 lakh accident cover
- official The same card's Fees and Charges page (archived 18-Oct-2005) — ₹250 joining, ₹750 annual, ₹250 add-on and the ₹10,000 daily cash cap
- official The same card's Eligibility Criteria page (archived 17-Oct-2007) — a visiting card and a degree, and no income figure at all for a doctor of three years' standing
- official SBI's own live product catalogue — 67 cards, and no card of this name or generation among them