SBI Card and Eternal, the parent company of Zomato, have launched the Eternal SBI Card. The co-branded card focuses on regular spending across Zomato, Blinkit, District and Bistro. It also offers cashback on selected outside partners and other eligible purchases.
The headline rates are useful only when the purchase qualifies and the monthly caps have not been reached. Before requesting access, compare the fee with the savings you could earn from purchases you already make.
Eternal SBI Card benefits at a glance
| Feature | Published benefit | Important limit |
|---|---|---|
| Zomato, District and Bistro | 10% instant discount on eligible transactions | Shared Eternal-platform cap |
| Blinkit | 10% on eligible beauty and electronics; 5% on other eligible categories | Shared Eternal-platform cap |
| Eternal platforms | Combined instant discounts | ₹2,000 per month |
| Selected partners | Up to 5% value through cashback or an ixigo discount-plus-cashback combination | ₹1,000 per statement cycle |
| Other eligible spending | 1% cashback | ₹500 per month |
| District movies | Buy one, get one ticket benefit | Up to ₹200 per month |
All rates and limits are time-sensitive. Eligibility depends on the current terms and how the merchant identifies the transaction.
How the Eternal-platform discounts work
Eternal publishes a 10% instant discount on eligible Zomato food orders, Bistro orders and District transactions. On Blinkit, eligible beauty and electronics purchases receive 10%, while grocery and other eligible categories receive 5%.
The most important restriction is the shared ₹2,000 monthly cap. It is not ₹2,000 for every app. A customer who has already received ₹1,500 of eligible discounts across Zomato and Blinkit would have only ₹500 of the shared monthly limit remaining for District or Bistro.
The card also includes a six-month complimentary Zomato Gold membership after paying the joining fee. Membership features can change, so value it only after checking what Gold offers in your city.
Cashback outside the Eternal apps
The card publishes up to 5% value on selected partners, with a ₹1,000 statement-cycle cap. SBI Card lists 5% cashback at Uber, Urban Company and Apollo. For ixigo flight and hotel bookings, the official partner sheet describes a 4% instant discount using the published coupon code plus 1% cashback.
Other eligible purchases receive 1% cashback, capped at ₹500 per month. Cashback is credited to the card statement rather than transferred as unrestricted cash.
Confirmed condition: SBI Card says partner cashback depends on eligible merchant identifiers. A familiar brand name by itself does not guarantee that a transaction will be recognised correctly.
Fees and the renewal-fee waiver
The published joining fee is ₹499 plus GST. The renewal fee is also ₹499 plus GST and is waived when annual spending is above ₹2 lakh under the current terms.
An annual target of ₹2 lakh is an average of about ₹16,667 a month, but the issuer’s measurement period and eligible-spend rules control the waiver. Do not make an unnecessary purchase merely to avoid a ₹499 fee.
A 1% fuel-surcharge waiver is also published, capped at ₹200 per statement cycle. This is a waiver of the eligible surcharge, not cashback on the complete fuel purchase.
What does not earn the advertised benefit?
The published exclusions include fuel, wallet and prepaid-card loads, gift cards and vouchers, cash advances, rent, government and utility payments, education, insurance, jewellery, gaming and EMI transactions. Card-dues payments, fees and Flexipay are also excluded.
The Eternal apps have additional product restrictions. The current list excludes categories such as baby food and feeding essentials, tobacco and Paan Corner products. Check the terms at checkout instead of assuming that every purchase inside an app qualifies.
Who may find the card useful?
Editorial interpretation: The card may suit customers who already use Zomato or Blinkit frequently and can recover the fee through normal eligible spending. District users and customers who regularly spend with the listed partners may receive additional value.
It may be less useful for customers whose spending is mainly in excluded categories, who rarely use Eternal apps or who already receive similar discounts from another card. The advertised maximum of ₹3,500 per month combines three different caps; it is not guaranteed savings.
Pay the Total Amount Due by the due date whenever possible. Finance charges or late-payment costs can quickly exceed the value of discounts and cashback.
Confirmed facts and interpretation
Confirmed: The card is available on RuPay and Mastercard. Eternal publishes the platform discounts, monthly caps, partner cashback, fees, fee-waiver threshold, exclusions and first-phase access process described above.
Editorial interpretation: Its strongest use case is planned, eligible Eternal-platform spending. Compare net savings after fees, caps and exclusions rather than applying because of the headline percentage.
Key takeaways
- Zomato, District and Bistro currently offer 10% instant discounts on eligible transactions.
- Blinkit offers 10% on eligible beauty and electronics and 5% on other eligible categories.
- All four Eternal platforms share a ₹2,000 monthly discount cap.
- Selected-partner and general cashback have separate caps and exclusions.
- The joining and renewal fees are ₹499 plus GST, subject to current terms.
- An early-access request is not an approval guarantee.
Frequently asked questions
Is the Eternal SBI Card lifetime free?
No. Eternal currently lists a joining fee of ₹499 plus GST and a renewal fee of ₹499 plus GST. The renewal fee is waived after annual spending above ₹2 lakh, subject to the current terms.
Does every Blinkit order receive 10% off?
No. The published 10% rate applies to eligible beauty and electronics purchases. Other eligible Blinkit categories receive 5%, while listed excluded categories receive no discount.
Are the Zomato, Blinkit, District and Bistro caps separate?
No. The published maximum of ₹2,000 per month is shared across instant discounts on the four Eternal platforms.
When can customers apply?
Eternal is accepting early-access requests for a limited first phase. An early-access request does not guarantee an application invitation or approval.
Is partner cashback credited instantly?
No. SBI Card says eligible cashback is credited as a statement credit. Merchant identification and the complete card terms determine eligibility.
Sources and factual-review checklist
Official sources verified October 17, 2026: SBI Card product page, SBI Card partner sheet, and Eternal card page.
- Duplicate check passed against the current main branch and every open pull request.
- Card rates, caps, fees, eligibility, exclusions and availability require confirmation immediately before publication.
- Application links and approval are not guaranteed.
- Internal and external links should be tested after deployment.