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Eternal SBI Card
Mastercard
Eternal SBI Card
The Eternal SBI Card is SBI Card's co-brand with Eternal, the parent of Zomato, Blinkit and District. It launched in October 2026 on Mastercard and RuPay, with phased applications through the Zomato, Blinkit and District apps. It gives instant discounts of 10% on Zomato, District, Bistro and Blinkit electronics and beauty, and 5% on other Blinkit orders, all within a shared ₹2,000 monthly cap. Uber, ixigo, Urban Company and Apollo 24|7 earn 5% cashback (up to ₹1,000 a month), and other spends earn 1% (up to ₹500 a month). At ₹499 a year, waived on ₹2 lakh annual spend, it suits heavy Zomato and Blinkit users more than people looking for a general-purpose cashback card.
Annual fee
₹499
Joining fee
₹499
Reward type
cashback
Base reward rate
1%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: 10% instant discount on Zomato and Bistro orders, within a combined ₹2,000 monthly cap shared across Eternal platforms; complimentary 6-month Zomato Gold membership on paying the joining fee; buy-one-get-one movie ticket on the District app once a month (up to ₹200 off the second ticket).
- Rewards rate: 1% base rate
- Reward redemption: Eternal-platform benefits are instant discounts at checkout. Partner and base cashback is auto-credited to the card account as a statement credit when the statement is generated. There are no points to redeem.
Benefits by category
- 🍽️ Dining & food delivery
10% reward rate (capped ₹2,000/monthly)
- 🛒 Groceries
5% reward rate (capped ₹2,000/monthly)
- ⛽ Fuel
1% fuel surcharge waiver, up to ₹200 per statement cycle.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.75% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver, up to ₹200 per statement cycle.
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500, at SBI, other domestic and international ATMs. Cash advances carry finance charges of 3.75% a month (45% a year) from the date of withdrawal, with no interest-free period, and ATM withdrawals are capped at ₹15,000 a day within the cash limit.
Benefits
- 10% instant discount on Zomato, District, Bistro and Blinkit electronics and beauty purchases, and 5% instant discount on other eligible Blinkit purchases. All Eternal-platform discounts share a combined cap of ₹2,000 a month and stack on top of existing platform offers.
- 5% cashback on Uber, ixigo, Urban Company and Apollo 24|7, capped at ₹1,000 a month across these partners.
- 1% cashback on other eligible spends, capped at ₹500 a month. Excludes fuel, wallet and prepaid-instrument loads, rent, tax, insurance, jewellery, education, utilities, gaming and EMI transactions.
- Complimentary 6-month Zomato Gold membership on payment of the ₹499 joining fee.
- Buy-one-get-one movie ticket on the District app every month, with up to ₹200 off the second ticket.
- 1% fuel surcharge waiver, up to ₹200 per statement cycle.
Pros
- + 10% instant discount on Zomato and District, on top of existing platform offers
- + 5% off everyday Blinkit orders, including groceries
- + 5% cashback on Uber, ixigo, Urban Company and Apollo 24|7
- + Monthly buy-one-get-one movie ticket on District
- + Low ₹499 fee, waived on ₹2 lakh annual spend; RuPay variant works on UPI
Cons
- − All Eternal-platform discounts share a single ₹2,000 monthly cap
- − Base cashback is capped at ₹500 a month and excludes utilities, rent, insurance and fuel
- − 3.5% forex markup and no lounge access
- − Applications open in phases by app invitation from 22 October 2026