| Features |
 |
 |
| Eligibility | Everyone 18+ | Should be a doctor of Modern Scientific System of Medicine (Allopathy) |
| Approval | 100% | Not guaranteed, not transparent |
| Joining Fees | NIL | Rs. 1768.82 (Rs. 1499+ 18% GST) Reversed on annual spends of Rs. 2 lakh |
| Annual Fees | NIL | Rs. 1768.82 (Rs.1499+ 18% GST) |
| Interest Rate | 10-14% | Upto 3.50% per month (42% per annum) |
| Cash Advance Fee | No Cash Advance | 2.5% of the amount withdrawn; minimum of Rs. 500 |
| Over-limit Charges | No over-limit transactions | 2.5% of the overlimit amount; minimum of Rs. 600 |
| Late payment charges | NIL | From Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300 |
| Card replacement fee | NIL | Rs. 100 to Rs. 250 |
| Fuel Surcharge | NIL | 1% of purchase amount 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) for single transaction spends between Rs. 500 and Rs. 4000 |
| Foreign Currency Transaction | NIL | 3.50% |
| Minimum Amount Due | Pay in Full | 5% of total outstanding amount Minimum of Rs.200 + applicable taxes |
| Rewards | 10 points for every Rs.100/- transaction for everyone, everywhere. | 1 reward point per Rs. 100 for all spendings. E-gift voucher worth Rs. 1500 from Yatra.com on payment of joining fees. 5X reward points on medical supplies, travel bookings and international spending. 5X reward points on all spending on Doctor’s day i.e.1st July. Complimentary membership to Priority Pass Program and complimentary visits to international Airport lounges and Domestic Airport lounges. |
| Referral Reward | Yes | Yes, but subject to approval |
| Anniversary Reward | Yes | No |
| Birthday Reward | Yes | No |
| Chargeback | Simple online form | Mail printed and signed form |
| Privacy and Security | Your data is not used and not sold | Contactless Card Complimentary credit card. Enhanced security against counterfeiting and skimming with the chip and pin enabled SBI Card. |
| Community | Yes | No |
| Join the waitlist | |
