Best Credit Cards for Doctors

Last Updated : Dec. 7, 2024, 3:24 p.m.

Credit cards are becoming more and more popular with time. According to statistics, as of June 2024, India had 103.8 million credit cards. This is an increase of about 26% from January 2023. Most banks and financial institutions have now introduced credit cards across various categories and professions. In this article, we will read in detail about the best credit cards for doctors in India in 2025.

Top Credit Cards for Doctors in India in 2025

Best Credit Cards for Doctors in India - Other Features

Doctor’s SBI Card

The Doctor’s SBI Card is one of the best credit cards for doctors in India with high rewards on medical expenses and goods and professional indemnity insurance cover. Besides these, this card offers great benefits across all lifestyle categories such as travel, shopping, fuel. etc. Overall, it is a great pick to fill your wallet and one of the best credit cards to have.

Other features:

• Get a welcome e-gift voucher worth Rs. 1,500 from Yatra.com within 15 days of paying the membership fee.

• Earn 5x rewards on travel bookings and international spends.

• Earn 1 reward point per Rs. 100 for all other spends.

• Get an e-gift voucher worth Rs. 5000 from Bata/Shoppers Stop, or Yatra.com on reaching annual milestone spends of Rs. 5 lakhs.

• Accumulated reward points can be redeemed against a host of options in the rewards catalogue or outstanding balance.

• Get a reversal of renewal fee on spending Rs. 2 lakhs annually.

• Enjoy 8 and 4 complimentary visits per year to domestic and international airport lounges outside India respectively. (With a maximum of 2 visits per quarter).

• Get access to 1000 plus airport lounges globally.

• Enjoy a fuel surcharge waiver of 1% at petrol pumps across the country on transactions in the range of Rs. 500 to Rs. 4,000 (With a maximum surcharge waiver of Rs. 250 per statement cycle).

HDFC Doctor’s Superia Credit Card

This card is a premium one for doctors who travel quite frequently, since this card enables the redemption of accrued reward points for airmiles. Besides this, it provides a professional indemnity insurance cover for medical expenditures. Further benefits include a great welcome bonus, fuel surcharge waiver, dining perks, longer interest free credit period, etc. Thus, overall, this is one of the best credit cards for doctors in India.

Other features:

• Get a welcome and renewal benefits of 1000 reward points.

• Earn 3 reward points per Rs. 150 spent.

• Accumulated reward points can be redeemed on more than 20 international airlines or on any major domestic airlines. (100 airmiles = 667 reward points).

Terms and conditions:

1. Reward points are credited only for retail purchases

2. Reward points are not given for cash advance, fees, and transaction amounts lower than Rs. 150.

• Earn a ​​​​​​ fuel surcharge waiver of 1% at all fuel stations across India on transactions between Rs. 400 and Rs. 5000. (Get a maximum waiver of Rs. 250 per statement cycle).

• Enjoy an interest free credit period of 50 days from the date of purchase.

• From the date of accumulation, reward points are valid only for 2 years.

• Enjoy a bonus of 50% reward points when you dine out.

Doctor’s Regalia Credit Card

This card is designed exclusively with the requirements of doctors in mind. It offers considerable perks for travel like 70% redemption of the booking value for hotels and flights through reward points, lounge visits, etc. This card has a great rewards structure and milestone benefits. Undoubtedly, it is one of the best credit cards for doctors in India.

Other Features:

• Get bonus 10,000 reward points on spends of Rs. 5 lakhs in the anniversary year.

• Earn a bonus of 5,000 reward points on spends of Rs. 8 lakhs in the anniversary year.

• Enjoy 12 complimentary domestic and international lounge visits per year within India.

• Earn 4 reward points per Rs. 150 spent on retail including insurance, education, utility bill payments, and rent payments.

• The accumulated reward points can be redeemed against flight and hotel bookings, pre-designed global experiences, and premium products and vouchers.

• 70% of the booking value can be redeemed via reward points for flight and hotel bookings.

Terms and conditions for reward points:

• Reward points will be accumulated only on valid retail purchases.

• Fuel transactions will be excluded from reward point accumulation.

• The validity of reward points is only 2 years from the date of accrual.

• If you do not use the credit card for more than 365 days, reward points accrued will be nullified.

• The maximum cap on accrued reward points for insurance transactions is 2000 per day.

• The card has an affordable foreign currency markup fee of 2% on all your foreign currency spends.

• Enjoy a fuel surcharge waiver of 1% at all fuel stations across India on transactions between Rs. 400 and Rs. 5000.

What is Professional Indemnity Insurance?

A professional indemnity insurance is a type of insurance which protects business owners or professionals from claims for loss or damage made by clients or third parties as a result of flawed services rendered by mistakes or omissions in work.

Inclusions

• Claims arising out of bodily injury.

• Claims arising out of death caused by error, omission, or flaws in the professional service rendered.

• Covers for claims arising out of all professional and medical services extended by the individual doctor.

• Legal costs and expenses will be reimbursed.

• Cover for out of the court settlement and court awards.

• Cosmetic surgeries (Plastic surgery for burns or other traumatic surgery).

• Defense expenses for criminal cases arising out of medical accidents or medical neglect will be reimbursed until proven guilty by law.

• Dental treatment after giving anesthesia.

• Cover of 1% of the insured sum for loss of documents.

Exclusions

• Criminal act or any act committed in violation of the law.

• Services offered under the influence of intoxicants or narcotics.

• Treatment for HIV/AIDS and weight loss

• Third party public liability

• Cosmetic plastic surgery (Hair transplants, flap rotation, punch grafts, silicone implants, and other surgeries referred to as “Cosmetic”).

• Conduct undertaken on purpose.

• Third party public liability

• Assumed liability by agreement. This would not have been attached in the absence of an agreement.

• Claims for genetic injuries arising out of X-Ray diagnosis/treatment with radioactive substances.

• Injury or death of any person under a contract of employment or apprenticeship with the insured when such injury or death happens due to the execution of the contract.

Best Credit Cards for Doctors in India - Eligibility Criteria

Best Credit Cards for Doctors in India - Documents Required

• Identity Proof Documents: Arms license, Aadhaar card, voter’s ID card, ration card, PAN Card, driving license, freedom fighter’s ID card, or any other photo ID proof duly signed by a gazetted officer and legally accepted in the country.
  
• Address Proof Documents: Driving license, Passport, Aadhaar, Voter’s ID card, ration card, lease or rental agreement, property documents, utility bills (Not more than 3 months old), any other address proof legally accepted in the country.
  
• Income Proof: Salary slips for the last 3 months, bank statement for the past 6 months, certified financial documents, Form-16, and proof of business continuity.

How to Apply for a Doctor’s Credit Card Online?

Thru the bank website

Step 1: Visit the official website of the bank from which you want the credit card. Fill out some basic details asked like name, email ID, address, income, contact number, etc.

Step 2: You will get a call from a representative of the bank, and he/she will take you through the process step by step.

Step 3: The representative will also come to collect your documents at your doorstep.

Step 4: After this, the bank will check the documents and issue the credit card after verification.

Thru the Wishfin Website You can apply for the doctor credit cards through Wishfin. There are no login credentials. All you have to do is navigate to the Wishfin portal and go to the credit card section. When you mention the personal and professional details needed, the quotes of different card offers will be shown on the screen. You can apply in three ways on Wishfin

Apply via Website

Step 1: Open the online application form available on Wishfin

Step 2: Fill the form with your personal and professional details.

Step 3: Submit the form to process your application.

Apply Through Whatsapp

Step 1: Click ‘Apply with the ease of Whatsapp chat’

Step 2: Input your mobile number and click ‘Continue with Whatsapp

Step 3: After that, you will receive a link. Click this link to join a group having Wishfin as the other member.

Step 4: Answer some questions on personal and professional levels and also on credit history.

Step 5: Submit your application.

Step 6: The bank will inspect the application before approving it.

Apply through Wishfin Chat

Step 1: Click the link ‘Use Wishfin Chat’

Step 2: Click the button ‘Start Wishfin Chat’

Step 3: The chat window pops up.

Step 4: Enter the details asked in the chat and the chatbot will take you through the rest of the application process. Follow the instructions and proceed towards completing the application.

How to Apply for a Doctor’s Credit Card Offline?

Step 1: Visit the nearest branch of the bank and ask about your preferred card variant.

Step 2: The representative will show you the cards matching your requirements.

Step 3: Fill out the application form and provide the necessary documents such as identity proof, address proof, income proof, passport size photographs, etc.

Step 4: Then, follow the ensuing instructions and proceed towards completing the application.

Credit Cards for Doctors - Fees and Charges