10% Instant Discounts on Zomato, District, Bistro & Blinkit
₹499
One-time upfront₹499
Waiver on milestone1% base statement cashback on all other eligible retail transactions
On eligible spendsNo Lounge Access
Complimentary visitsLast verified 15 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Eternal SBI Card delivers compelling high-frequency savings for active users in the Zomato and Blinkit ecosystems. With a generous ₹2,000 monthly combined discount cap and a low ₹499 fee, households spending ₹2,000 to ₹5,000 monthly on food delivery, groceries, and dining will comfortably out-earn the carrying cost. However, because general Blinkit groceries earn 5% rather than 10%, and there is no annual spend-based waiver, cardholders must ensure their spending aligns with eligible categories.
Receive 10% instant discount at checkout across Zomato food delivery, District dining out and events, Bistro dining, and Blinkit electronics/beauty.
All 10% and 5% discounts across the Eternal platform share a unified ₹2,000 cap per monthly billing cycle, allowing up to ₹20,000 in eligible spend.
Earn 5% direct statement cashback on rides with Uber, flight/train/hotel bookings with ixigo, home services with Urban Company, and pharmacy orders on Apollo 24|7.
Enjoy 1% automatic statement cashback on all eligible retail, dining, and online transactions without monthly earning caps.
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all fuel stations across India (capped at ₹100 per billing cycle).
Base earning rates, partner merchant acceleration, redemption options, and exclusions
Reward rates and caps for partner merchants on this card
10%Instant Discount
10%Instant Discount
10%Instant Discount
5%Cashback
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Other Eligible Retail Spends | 1% Base Statement Cashback on other eligible domestic retail transactions (unlimited) | No Cap | Fuel, wallet reloads, cash advances, balance transfers, and rent payments |
Calculate estimated net cashback and points across your actual spending pattern.
Authoritative backend calculation respecting category rates, monthly caps, fee waivers & milestones.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Quick Commerce Electronics, Beauty & Grocery (Blinkit) | ₹3,000 | 10% Instant Discount on Blinkit electronics & beauty; 5% Instant Discount on general Blinkit categories (up to ₹2,000 monthly combined cap across Eternal ecosystem) | — | ₹2,000/monthly | Calculating... | Under cap |
| Dining & Food Delivery (Zomato) | ₹3,000 | 10% Instant Discount on eligible Zomato food delivery orders (up to ₹2,000 monthly combined cap across Eternal ecosystem) | — | ₹2,000/monthly | Calculating... | Under cap |
| Dining Out & Events (District) | ₹3,000 | 10% Instant Discount on District dining, events, and ticketing (up to ₹2,000 monthly combined cap across Eternal ecosystem) | — | ₹2,000/monthly | Calculating... | Under cap |
| Partner Rides & Services (Uber, ixigo, Urban Company, Apollo 24|7) | ₹3,000 | 5% Statement Cashback on Uber, ixigo, Urban Company, and Apollo 24|7 spends (capped at ₹500/month) | — | ₹500/monthly | Calculating... | Under cap |
| Other Eligible Retail Spends | ₹18,000 | 1% Base Statement Cashback on other eligible domestic retail transactions (unlimited) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Announced: 15 October 2026. Early access registration open; phased applications from 22 October 2026. Fee: ₹499 + GST joining & annual (no spend-based waiver). 10% instant discount on Zomato, District, Bistro & Blinkit electronics/beauty; 5% on other Blinkit categories. Combined monthly cap: ₹2,000. 5% cashback on Uber, ixigo, Urban Company, Apollo 24|7 (capped at ₹500/month). 1% base cashback. No airport lounge access. 3.50% forex markup.
Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Eternal SBI Card application, fees, reward redemption, and eligibility
The joining fee for Eternal SBI Card is ₹499 (one-time), and the annual renewal fee is ₹499 from the second year onwards. GST of 18% is applicable on all fee charges.
Fee waiver is subject to promotional milestone spends published by SBI Card from time to time.
Eternal SBI Card offers 1% base statement cashback on all other eligible retail transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
No, Eternal SBI Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.
Key eligibility criteria for Eternal SBI Card include age between 21 and 65 years, a minimum income of ₹2.4 lakh, a recommended CIBIL score of 720+, employment as Salaried & Self-Employed, residency status of Resident Indian. Approvals remain subject to card issuer verification and underwriting policies.
You can apply directly through the official SBI Card portal by clicking the Apply button on this page. Complete the paperless digital application, submit your Aadhaar and PAN details, and complete video KYC for quick dispatch.
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Direct online application on the official SBI Card portal with paperless verification.