Lifestyle
Doctor's SBI Credit Card
SBI 5.7
CardTrail Score
Decent
out of 10
Annual Fee
₹1,999
Spend ₹2L/year
Forex Markup
3.5%
Reward Rate
0.5%
Up to 2%
Lounge Access
4
domestic | 0 intl
About This Card
The Doctor's SBI Credit Card is a lifestyle credit card from SBI with an annual fee of ₹1,999. It earns rewards at 0.5% on everyday purchases. Key perks include 4 complimentary lounge visits, fuel surcharge waiver. Best suited for everyday users.
Pros & Cons
Pros
- Fuel surcharge waiver saves on petrol/diesel
- Easy EMI conversion on purchases
- Attractive welcome bonus: ₹1,000 Amazon voucher
Cons
- ₹1,999 annual fee may not suit light spenders
- 3.5% forex markup is above average
- Income eligibility: ₹6L+ per annum
Fee Details
Annual Fee
₹1,999
Joining Fee
₹1,999
Fee Waiver Condition
Spend ₹2L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.5%
Max Rate
2%
Currency
Reward Points
Welcome Bonus
₹1,000 Amazon voucher
Lounge Access
Domestic Lounges
4
per quarter
International Lounges
0
Key Highlights
- + Annual fee ₹1,999 (waiver: Spend ₹2L/year)
- + 4 domestic lounge visits per year
- + Fuel surcharge waiver at all pumps
- + Welcome bonus: ₹1,000 Amazon voucher
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Quick Summary
Best For
general
Annual Fee ₹1,999
Base Reward 0.5%
Max Reward 2%
Forex Markup 3.5%
Network Visa
Min Income ₹6L+
CardTrail Score
Best For
general
