{
  "id": "sbi-doctor-s",
  "locale": "en",
  "name": "Doctor's SBI Credit Card",
  "bank": "SBI Card",
  "cardType": "entry-level",
  "cardTier": "entry",
  "annualFee": "₹1,500 + GST",
  "loungeAccess": "8 Complimentary Domestic Airport Lounges/yr (2 per quarter)",
  "rewardsRate": "5 points / ₹100 on Medical Supplies and Travel · 8 Domestic Lounges",
  "bestFor": "Practicing doctors, medical professionals, professional indemnity cover & domestic airport lounges",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/professionals/doctor-s-sbi-card.page",
  "aiVerdict": {
    "score": 3.9,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.25,
  "affiliateId": "sbi-doctor-s",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "SBI Card — Doctor's SBI Card schedule of charges",
    "Indian Medical Association (IMA) co-branded partnership guidelines"
  ],
  "feeWaiver": "Waived at ₹2,00,000 annual spend",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Domestic Lounges",
      "value": "8 Visits / yr (2/qtr)"
    },
    {
      "key": "Professional Cover",
      "value": "₹10 Lakhs Indemnity"
    },
    {
      "key": "Medical Spends",
      "value": "5 RP / ₹100 (1.25%)"
    },
    {
      "key": "General Retail",
      "value": "1 RP / ₹100 (0.25%)"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹2,00,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹1,500 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Medical Supplies, Pharmacy & Travel",
      "rate": "5 RP / ₹100 (1.25%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 RP (₹1,250 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1 RP / ₹100 (0.25%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 RP (₹250 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Medical & Travel",
      "multiplier": "5×",
      "rate": "1.25%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "5 RP per ₹100."
    },
    {
      "channel": "Airport Lounges",
      "multiplier": "8 / year",
      "rate": "2 / quarter",
      "monthlyCap": "2 / qtr",
      "dailyCap": "—",
      "note": "Across Indian airports."
    },
    {
      "channel": "Fee Waiver",
      "multiplier": "100%",
      "rate": "₹1,500 Waived",
      "monthlyCap": "1 / year",
      "dailyCap": "—",
      "note": "Waived at ₹2,00,000 spend."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Shopping Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "Statement Balance Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (outside surcharge waiver).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,500 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,500 + GST (Waived at ₹2 Lakhs spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Profession",
      "requirement": "Registered Medical Practitioner (MBBS, MD, MS, BDS, etc.) with Medical Council Registration"
    },
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Income",
      "requirement": "Practicing doctor with stable medical income proof"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}