Best Credit Cards for Doctors

Last Updated : June 21, 2025, 5:55 p.m.

Doctors in India have a very demanding job, whether they run their own private practice or work in hospitals. They have unique financial needs shaped by high incomes, demanding schedules, and professional expenses like medical supplies, travel for conferences, or clinic operations.The right credit card can offer tailored rewards, cashback, and benefits that align with these needs, such as accelerated points on medical spends, travel perks, or insurance coverage. This article explores the best credit cards for doctors in India in 2025, focusing on cards that maximize value for their lifestyle and professional demands. Each card is chosen based on reward rates, fees, eligibility, and exclusive perks, ensuring doctors can save on expenses while enjoying premium benefits.

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, in partnership with the Indian Medical Association (IMA), is especially curated for doctors, offering customized benefits for medical and lifestyle expenses. The 5X reward points on medical supplies and travel bookings directly cater to doctors’ professional and conference-related expenses. The professional indemnity insurance is a unique feature, offering financial protection for medical practice-related risks. Overall, this card is great for doctors and is one of the best credit cards for doctors.

Key Features :

Reward Points :

• Earn 5X reward points on medical supplies, travel bookings, and international spends.
• 5X reward points on all spends on Doctor’s Day (July 1).
• 1 reward point per ₹100 on other spends.

Welcome Offer : ₹1,500 e-gift voucher from Yatra.com within 15 days of paying the joining fee.

Lounge Access : 8 complimentary domestic airport lounge visits and 4 complimentary international lounge visits per year (Maximum 2 visits per quarter).

Professional Indemnity Insurance :

• Up to Rs. 20 lakhs coverage for medical expenditures.
• All legal and defense expenditures, out of the court settlement costs, and court awards will be reimbursed.
• 0% of the sum insured is usually deducted.

Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 4,000 (With a maximum of Rs. 250 per statement cycle).

Milestone Benefits :

• ₹5,000 worth e-gift voucher from the e-commerce portals: Yatra.com, Bata, or Shoppers Stop on yearly spends of ₹5 lakh
• Renewal fee reversal on annual spends of Rs. 2 lakhs.

Fees:

• Joining fee ₹1,499 + GST
• Annual fee ₹1,499 + GST.

Eligibility : Primary cardholder must be a doctor, Indian citizen, aged 21–60, with a net monthly income of ₹2 lakh.

RBL Bank Doctor’s SuperCard

The RBL Bank Doctor's SuperCard is a game-changer for medical professionals, offering a unique blend of financial benefits and exclusive perks tailored to their needs. With a professional indemnity insurance cover of Rs.20 lakh, this card provides peace of mind for doctors, ensuring they’re protected in their practice. Beyond this standout feature, it combines rewards, financial flexibility, and lifestyle privileges, making it an essential tool for doctors to manage their finances while enjoying well-deserved extras. Thus, overall, it is a great doctors credit card .

Key Features:

• Professional Indemnity Insurance: Secure your medical practice with a substantial Rs.20 lakh insurance cover included with the card.
• Annual Fee Waiver: Reach an annual spending of Rs.1 lakh to enjoy a complete waiver of the next year’s annual fee.
• Personal Loan Option: Transform your available cash limit into a 3-month personal loan with a low interest rate of 1.16% per month.
• Milestone Rewards: Unlock gift vouchers worth Rs.2,000 by hitting the Rs.1 lakh annual spending milestone.
• Welcome Bonus: Spend Rs.1,000 within the first 30 days of receiving your card and receive gift vouchers worth Rs.1,000 as a welcome perk.
• Spend More, Earn More: Achieve annual spending between Rs.1.5 lakh and Rs.2 lakh to earn additional gift vouchers worth Rs.1,000.
• Interest-Free Cash Withdrawals: Withdraw cash from ATMs without any interest charges for up to 50 days.
• Emergency Loan Facility: Access interest-free emergency loans using your credit card’s cash limit whenever needed.
• EMI Conversion: make big purchases simple by changing them into affordable equated monthly installments (EMIs).
• Airport Lounge Access: Relax with 4 complimentary visits to domestic airport lounges each year.
• Movie Ticket Offers: Enjoy a buy-one-get-one-free deal on movie tickets via BookMyShow.com.
• Reward Points: Earn 1 reward point per Rs.100 you spend using the card.
• Online Transaction Bonus: Earn double reward points on online buys, exempting categories like insurance, education, wallet loads, and utility bills.
• Premium Waiver: Spend Rs.3.5 lakh or more in a card year to waive the professional indemnity insurance premium.
• Fuel Surcharge Benefits: Save Rs.100 each month on fuel surcharges with this credit card.

HDFC Doctor’s Superia Credit Card

HDFC’s Doctor’s Superia Credit Card is another premium option tailored for doctors, with strong rewards on medical and travel expenses. This card is one of the best credit cards for doctors because it offers a generous interest-free period and high rewards on dining, which suits doctors with busy social and professional lives. The accidental death insurance adds a layer of security, and the fee waiver is achievable for high spenders.

Key Features :

Reward Points

• 3 reward points per Rs. 150 spent
• 50% bonus reward points on dining spends.
• Welcome Perk : Enjoy a welcome offer of 1000 reward points on joining.
• Enjoy 1000 reward points on renewing your card membership.

Interest-Free Period : A grace period of up to 50 days.

Fuel Surcharge Waiver : 1% waiver on fuel transactions between ₹400 and ₹5,000 (With a maximum waiver of ₹250 per statement cycle).

Insurance Coverage :

• Protection cover worth up to Rs. 20 lakhs for bodily injury or death of a patient due to negligent or erroneous professional services

Fees :

• Joining fee: ₹1,000 + GST (Reversed on spends of Rs.15,000 within the initial 90 days of purchasing the card)
• Annual fee: Rs.1,000, waived on spends of Rs. 1 lakh in the previous year.

Eligibility :

• Indian citizen
• Ag: 21–60 (Salaried) or 21–65 (Self-employed)
• Minimum monthly income of Rs. 1 lakh (Salaried) or ITR of Rs. 12 lakh p.a. (self-employed).
• Legal costs and defence expenses covered
• For any single accident, the maximum coverage amount is Rs. 4 lakhs.
• For every claim made under the professional indemnity insurance, you must pay the first 25,000 Rs. of the expenses.

Note: This card is no longer available.

Doctor’s Regalia Credit Card

This HDFC Bank 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.

Key Features:

Reward points:

• 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.
• 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.

Eligibility criteria:

• The applicant must be a practicing salaried doctor or a self-practicing doctor.
• Minimum age required: 21 years
• Maximum age required: 65 years

Note: HDFC bank is no longer accepting applications for the card.

Lounge access:

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

YES Bank Wellness Plus Credit Card

The YES Bank Wellness Plus Credit Card concentrates on health and wellness, making it suitable for doctors who give importance to healthcare-related benefits. It is best for doctors since it offers a high reward rate on pharmacy spends and free health check-ups align with doctors’ professional and personal needs. The insurance benefits are particularly valuable for frequent travelers attending medical conferences.

Key Features :

Reward Points :

• Up to 30 reward points on spends of ₹200 for chemist or pharmaceutical stores
• 5X reward points on healthcare spends. There is a reward subscription plan.

Health Benefits :

• Consultations without any upper cap with general practitioners and nutritionists
• Free annual health check-ups.

Lounge Access : 8 free domestic lounge visits annually.

Insurance :

• Up to ₹1 crore life insurance for flight accidents
• ₹25 lakh medical insurance for emergency hospitalization during overseas travel.

Fees : Joining fee ₹1,499 + GST; annual fee ₹1,499 + GST.

Eligibility : Indian citizen, aged 21–60, with a minimum annual income of ₹12 lakh.

Axis Bank Aura Credit Card

The Axis Bank Aura Credit Card is marketed as a health-focused card, offering benefits for medical and wellness expenses. It is one of the top credit cards for Doctors. The low joining fee and health-focused benefits like doctor consultations and check-up discounts make this a cost-effective option for younger doctors or those starting their practice.

Key Features :

Health Benefits :

• 4 free video doctor consultations per month via Practo
• 4 free personal and 16 pre-recorded video workout sessions via Fitternity; up to ₹500 off on annual health check-ups via IndushealthPlus.

Reward Points :

• 5X EDGE reward points on insurance premium payments
• 1 reward point per ₹100 spent on all other purchases.

Fuel Surcharge Waiver

• 1% waiver on fuel transactions between ₹400 and ₹4,000 (Up to a maximum of ₹500 per billing cycle).

Welcome Offer

• ₹750 Decathlon voucher.

Fees :

• Joining fee ₹749 + GST; annual fee ₹749 + GST.

Eligibility : Indian citizen, aged 18–70, with a minimum annual income of ₹6 lakh.

ICICI Bank Coral Credit Card

The ICICI Bank Coral Credit Card is a versatile option for doctors who want a balance of lifestyle and professional benefits without high fees. It is highly suitable for doctors because of the low fees and rewards on insurance payments . It is thus great for those managing clinics or personal insurance expenses. The dining discounts and lounge access add value for those with busy social schedules.

Key Features:

Reward Points :

• 2 reward points per ₹100 on retail spends (Except fuel)
• 1 reward point per Rs. 100 spent on utilities and insurance categories.

Lounge Access

• 4 complimentary railway lounge visits per year.
• Get 1 complimentary domestic airport lounge access every quarter.

Dining Discounts : discount of up to 15% at partner restaurants through ICICI’s culinary programme.

Fuel Surcharge Waiver : 1% waiver on fuel transactions between ₹400 and ₹4,000 (Maximum ₹500 per cycle).

Welcome Perk : Flipkart voucher of value ₹500 on first transaction within 30 days.

Fees :

• Joining fee: ₹500 + GST
• Annual fee: ₹500 + GST (Waived on spending ₹1.5 lakh annually).

Eligibility :

• Indian citizen
• Aged 21–60 (salaried) or 21–65 (self-employed)
• Least monthly income of ₹25,000 (For salaried) or ITR of ₹3 lakh p.a. (For self-employed).

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 - 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

Disclaimer: The features, eligibility, fees, and other information given above are as of when this page was written and are subject to change. For exact details, contact the bank or refer to the official website of the bank.