Officially launchedApplications from 22 Oct, in phases

Eternal SBI Credit Card: the full review

A ₹499 card that takes 10% off Zomato, District and Blinkit beauty and electronics, 5% off the rest of Blinkit, and pays cashback on Uber, ixigo, Apollo, Urban Company and everyday spends. Three separate caps decide what you actually get.

Abhishek Meena9 min read

Official SBI Card details (opens in a new tab) See the earn rates
Eternal SBI Card: a black card with the eternal logo above Zomato, Blinkit and District, and the SBI Card logo at the bottom
Zomato and District
10% off
Blinkit categories
5% / 10%
Shared discount cap
₹2,000 / month
Joining and renewal fee
₹499 + GST

How much will you get back?

Enter what you spend in a month. The calculator applies each rate and all three caps, so you see what you actually get.

Try an example:
Eternal apps: instant discount at checkout
10% off food orders
10% off bookings
10% off
5% off
Cashback on your statement
5% cashback, all four together
1% cashback. Leave out rent, fuel, bills, insurance and wallet loads
You get back each month ₹0
Over 12 months
₹0
After the first-year fee of ₹589
₹0
  • Eternal-app discounts

  • 5% partner cashback

  • 1% cashback

An estimate that assumes every rupee qualifies. Cashback skips transactions under ₹100 and is rounded down per transaction. Excluded items, EMIs and refunds reduce it.

The verdict: strong for Eternal-app regulars, capped for everyone

For ₹499 you get one of the best food and quick-commerce discounts on any Indian card. But the 10% is an instant discount with one ₹2,000 monthly ceiling shared across Zomato, District and Blinkit, and spend outside the partners earns a modest 1%.

  • Best fit: you already order on Zomato, shop on Blinkit and book on District every month, and also use Uber, ixigo, Apollo or Urban Company.

  • Not a 10%-everywhere card: Blinkit groceries get 5%, rent, fuel, utilities, insurance, wallets and EMIs earn nothing, and base cashback stops at ₹500 a month.

  • The deciding test: if your normal Eternal-app spend saves you more than ₹589 a year at these rates, the first-year fee pays for itself. Use the calculator above.

Earn rates at a glance

Taken from SBI Card’s cashback table in the card’s terms and conditions. Instant discounts come off at checkout; cashback lands on your statement later.

Eternal SBI Card earn rates and monthly caps
RateWhere, and the cap
10%Zomato, District, and Blinkit beauty and electronicsInstant discount. One ₹2,000 cap per calendar month across Zomato, District and Blinkit
5%Blinkit, all other categories, including groceriesInstant discount. Counts towards the same ₹2,000 cap
5%Apollo, ixigo, Uber and Urban CompanyCashback, up to ₹1,000 a month across the four. On ixigo flights and hotels, 4% comes off instantly with code IXIGOSBI and 1% arrives as cashback
1%All other eligible spends, including RuPay UPI payments to merchantsCashback, up to ₹500 a month
1+1Movie tickets on the District appUp to ₹200 off the second ticket when you buy two in one booking. Once a month per cardholder
0%EMI orders on Zomato, Blinkit and District, and the excluded categories

About Bistro: SBI Card’s 15 October launch release lists Bistro under the 10% discount, but the card’s terms name only Zomato, District and Blinkit. Check the discount in the Bistro app before you count on it.

Caps and payout timing

The three pools are separate, so the theoretical maximum is ₹3,500 a month. Reaching it would take ₹20,000 of partner spend and ₹50,000 of other spend on top of your Eternal-app orders. The District movie offer is a discount on the booking itself, outside all three caps.

  • ₹2,000 discount cap: calendar monthCombined across Zomato, District and Blinkit (including groceries). It is not ₹2,000 per app.
  • ₹1,000 and ₹500 cashback caps: billing cycleYour first cycle runs from your first transaction to your next statement. In SBI Card’s example, a first purchase on 19 March with a 22nd billing date counts until 22 April.
  • Paid automatically, two working days after your statementA 15 February statement covers 16 January to 15 February, and its cashback is credited on 17 February. You don’t need to redeem it, and it doesn’t expire.
  • ₹100 minimum, rounded downTransactions under ₹100 earn no cashback. SBI Card’s own example pays ₹145, not ₹149.95, on a ₹2,999 purchase at 5%.
  • Add-on spend pays the primary cardCashback from add-on cards is credited to the primary cardholder’s account.

What earns nothing

Spends excluded from cashback, per the card’s terms
Spending categoriesFuel, rent, insurance, jewellery, education, utilities, government payments, gaming, wallet loads, and gift or prepaid card loads
Card and credit transactionsMerchant EMI and Flexipay, balance transfers, cash advances, ATM withdrawals, Encash, card fees and charges, and disputed transactions
Bills paid through SBI CardStanding instructions and Fetch and Pay on the SBI Card website, app or ILA chatbot
On Eternal appsNo 1% on top of the instant discount, nothing on EMI orders, and nothing on baby food and feeding essentials or tobacco and paan corner products
Excluded MCCs4215422548144900505150945111517251925541554258165942594359445947596259635964596559665968596959836300651365406541731173497399763179937994821182208241824482498299835193119399

Refunds and EMIs take cashback back

A return, cancellation or reversal deducts its cashback on a later statement, and if that leaves a negative balance, you owe it like any other dues. Converting a purchase to EMI later reverses its cashback in that cycle, and foreclosing the EMI doesn’t bring it back.

Cashback only posts if the card isn’t overdue, blocked or suspended at the time. If the card is cancelled, unposted cashback is forfeited. The card is for personal use only; SBI Card can cancel it and withhold cashback if it finds commercial or resale use.

Fees and welcome gift

Joining fee
₹499 + GST₹588.82 at 18% GST. Comes with 6 months of complimentary Zomato Gold.
Renewal fee
₹499 + GSTWaived when you spend ₹2 lakh in the previous year.
Fuel
1% surcharge waiverUp to ₹200 per statement cycle, at fuel stations across India. Fuel earns no cashback.
Interest and charges
As per SBI Card’s MITCThe card’s terms don’t list interest, forex markup, late-payment or cash-advance rates; they point to SBI Card’s Most Important Terms and Conditions (opens in a new tab).

Card features worth knowing

Networks
Mastercard or RuPayContactless payments up to ₹5,000 work without a PIN.
Add-on cards
Spouse, parents, siblings, children over 18Their cashback goes to the primary card.
Balance transfer
₹5,000 up to 75% of your available limitMoves dues from another card in 2–3 working days. A processing fee applies.
Flexipay and Merchant EMI
EMI on purchasesBook Flexipay within 30 days of a purchase. Neither earns cashback.
Paying the bill
e-NACH, UPI, NEFT, YONO, BBPS, PayNet, debit card, auto debitFor NEFT, use your card number as the account number and IFSC SBIN00CARDS. Mastercard MoneySend works on the Mastercard variant only.
Disputing a charge
Within 10 days of the statement dateAfter that, SBI Card treats the statement as correct.
Switching from another SBI card
Redeem your points firstUnredeemed reward points on your old SBI card expire when it’s switched to Eternal.

Switching away from Eternal: the FAQ in the card’s terms says earned cashback expires when you switch to another co-branded SBI card, but clause 11.1(m) says unposted cashback is credited within two working days of the transfer. Confirm with SBI Card before you switch.

Applying and RuPay UPI

  1. Ankur Mittal shares the first card imagery and benefits on X.

  2. SBI Card and Eternal launch the card. You can request early access in the Zomato, Blinkit and District apps.

  3. Invitations to apply start going out in phases. Approval, limit and documents follow SBI Card’s usual checks.

The Zomato early-access campaign mentions the first 5,000 cards. That figure isn’t in the card’s terms, so read it as the size of the first batch, not a cap on the card.

Pick RuPay if you pay by UPI

The card’s terms give 1% cashback on eligible merchant UPI payments with the RuPay variant, within the same ₹500 monthly cap. The Mastercard variant can’t be linked to UPI. Excluded categories still earn nothing on UPI.

Quick answers

Does each app get its own ₹2,000 cap?

No. ₹2,000 is the combined monthly limit for Zomato, District and Blinkit discounts, counted by calendar month.

Is the 10% on every Blinkit order?

No. 10% is for beauty and electronics; every other Blinkit category, including groceries, gets 5%. Baby food, feeding essentials, tobacco and paan corner products are excluded.

Do Zomato orders also earn the 1% cashback?

No. Purchases that get the instant discount on Eternal apps don’t earn cashback on top.

When does cashback arrive, and does it expire?

It’s credited automatically within two working days of your statement, appears on the next statement, and doesn’t expire.

Is there cashback on rent, fuel or utilities?

No. Rent, fuel, utilities, insurance, education, government payments, wallet loads and EMIs are all excluded. Fuel gets the 1% surcharge waiver instead, up to ₹200 a cycle.

Is the card lifetime free?

No. Joining and renewal fees are ₹499 + GST each. The renewal fee is waived after ₹2 lakh of spend in the previous year.

How does the movie offer work?

Buy two tickets in one booking on the District app and get up to ₹200 off the second. It works once a month per cardholder.

Sources

Rates, caps, exclusions, MCCs and card features come from SBI Card’s Eternal SBI Credit Card terms and conditions and cardholder agreement (welcome booklet, part 1). The fee, renewal waiver, Zomato Gold, the 1% fuel waiver, networks and dates come from SBI Card’s 15 October launch release. The 5,000-card figure is from the Zomato early-access campaign. This is an independent review, not financial advice or an SBI Card endorsement.