SBI has announced its partnership with Indian Medical Association (IMA) to offer an exclusive credit card, titled as Doctor’s SBI Card. The card with the same name is also offered without any association with the IMA. Both the cards offer professional indemnity insurance cover to the tune of ₹10 lakhs to protect doctors against professional risks and liabilities. The cover includes legal & defense costs, out of court settlements and court awards. Read on to know more about these cards.
Credit Card
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To,TransUnion CIBIL Limited[Formerly known as Credit Information Bureau (India) Limited]One Indiabulls building ,Unit No 1901 – 1905,19th Floor, Tower 2A-2B, Jupiter Mill compound,Senapati Bapat Marg, Lower Parel, Mumbai 400 013
Sub: Grant of Consent
Dear Sirs,
In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Wishfin and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:
- The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.
- I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and TUCL understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
- I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
- I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL.
- I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company
- I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Wishfin authorizing Wishfin to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Wishfin to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Wishfin to obtain my Consumer Credit Information .
- I understand that in order to deliver the product to me, I hereby authorize Wishfin, to obtain my Consumer Credit Information from TUCL.
- By submitting this registration form, I understand that I am providing express written instructions for Wishfin to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Wishfin account. I further authorize Wishfin to retain a copy of my information for use in accordance with [Wishfin’s] Terms of Use and Privacy Policy.
- I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
- I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Wishfin . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.
- I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.
Yours faithfully,
Name :____________________________Address : ____________________________Date : ____________________________
Reward Points, Discounts, Cashback & Other Benefits Pertaining to Doctor’s SBI Card
- Get welcome e-gift voucher worth ₹1,500 from Yatra.com
- Earn 5X reward points on medical supplies, travel bookings & international spends
- 5X reward points on all spends on Doctor’s Day celebrated on 1st July
- Get 1 reward point per ₹100 spent on all other stuff
- E-gift voucher worth ₹5,000 from Yatra.com/Shoppers Stop/Bata on spending ₹5 lakhs in a year
- Get your annual fee reversed for the succeeding year on spending 2 lakhs in the previous year
- 8 complimentary visits a year to domestic airport lounges in India, subject to a maximum of 2 in a quarter
- Avail complimentary Priority Pass Program membership worth $99, allowing 4 complimentary visits a year to over 1,000 international airport lounges outside India, with a maximum of 2 in a quarter
- Get 1% fuel surcharge waiver on transactions worth ₹500-4,000 at petrol pumps across the country
- Interest-free credit period of 20-50 days, applicable only on retail purchases if the previous outstanding is paid in full
- Cash advance limit equates to 80% of the credit limit, with a maximum of ₹15,000 per day
Fees & Charges
- Annual Fee – ₹1,499
- Renewal Fee – ₹1,499
- Finance Charges – 3.35% per month from the date of transaction
- Minimum Due – 5% of total outstanding, subject to a minimum of ₹200 plus applicable taxes, EMI (in case converted the purchase into installment) and OVL amount (if any)
- Finance Charges on Cash Advance – 3.35% per month, accruing from the date of withdrawal
- No interest-free period on cash advance
- Cash Advance Fee – 2.5%-3.5% of the transaction amount, subject to a minimum of ₹300
- Late Payment Charges – ₹100-750
- Over limit Charges – 2.5% of the over limit amount, subject to a minimum of ₹500
- Card Replacement Fee – ₹100
- Rewards Redemption Fee – ₹99
- Cash Payment Fee – ₹100
- Statement Retrieval Charges – ₹100 per statement
- Payment Dishonour Fee – 2% of the payment amount, with a minimum of ₹450
How to Apply for Doctor’s SBI Card Online at Wishfin?
Yes, you can apply for this card at Wishfin, the one-stop online destination for the best credit cards and other financial products available in the market. Just visit the official website of Wishfin and go to ‘Credit Cards’ tab. Within it, you will find ‘Best Credit Card Offers. Just click on it and fill the relevant personal and professional details before submitting the application. Afterward, Wishfin executives will contact you and ensure a quick approval of your application.
Check Doctor’s SBI Card Application Status
You can easily check the application status on the website of SBI. All you need to do is to go to credit card section and from there to application status. Then, you need to enter the application number and a few personal information to know the status on the screen. You can even dial the 24×7 customer care centre to know the status. Well, the status can be anything – approved, rejected or pending for approval. Also ask for the reason of rejection and pending, if at all is the case.
Doctor’s SBI Card Customer Care Number
Feel free to raise a query, be it on reward points, statement or any special offer regarding Doctor’s SBI Card, by dialing the 24×7 toll-free number 18001801290. The customer care executives will give a patient ear to your call and sort out the issue ASAP.