Key features
What this card is built to do — the highlights that actually matter.
10% cashback at Zomato, District
10% instant discount on Zomato and District. The discount stops at ₹2,000 a month, shared with Blinkit.
10% cashback at Blinkit (beauty and electronics)
10% instant discount on beauty and electronics bought on Blinkit, inside the same ₹2,000 a month cap.
Annual Fee Waiver
Fee of ₹499 + 18% GST (₹589 all-in)/yr fully waived when you spend ₹2,00,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹200
Movie Ticket Benefit
Buy one, get one movie ticket on the District app once a month, up to ₹200 off the second ticket
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
10.0%
dining cashback
1.0%
Base rate (all other spends)
₹2,000
Monthly cap (accelerated)
- 10% cashback on dining
- 1.0% on other eligible spends, capped at ₹500/month
- Accelerated cashback capped at ₹2,000/month
🍽️ FOOD & DINING BENEFITS
Dining rewards, food delivery cashback and partner benefits.
10.0%
Dining cashback rate
PARTNER PLATFORMS
- 10% cashback on dining and food delivery
- Accelerated earn on: Zomato, District
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- Buy one, get one movie ticket on the District app once a month, up to ₹200 off the second ticket
For someone who orders on Zomato and Blinkit most weeks and books films on District, and whose spend reaches ₹2 lakh a year so SBI reverses the renewal fee.
Reward rates
What you earn on every rupee, per spend category — as of 13 Nov 2026.
Everyday rate: 1% on spend with no rate of its own. Reward capped at ₹500 a month. 1% cashback on other eligible spend, UPI payments on the RuPay card included. Cashback stops at ₹500 a month.
Where it earns more
| Spend category | Earn rate | Condition and cap |
|---|---|---|
| Diningonly at Zomato, District | 10%cashback | 10% instant discount on Zomato and District. The discount stops at ₹2,000 a month, shared with Blinkit.Reward capped at ₹2,000 a month, one cap shared with Online Shopping, Groceries |
| Online Shoppingonly at Blinkit (beauty and electronics) | 10%cashback | 10% instant discount on beauty and electronics bought on Blinkit, inside the same ₹2,000 a month cap.Reward capped at ₹2,000 a month, one cap shared with Dining, Groceries |
| Groceriesonly at Blinkit | 5%cashback | 5% instant discount on Blinkit groceries, inside the same ₹2,000 a month cap as Zomato and District.Reward capped at ₹2,000 a month, one cap shared with Dining, Online Shopping |
| Online Shoppingonly at Apollo, Urban Company | 5%cashback | 5% cashback at Apollo and Urban Company, up to ₹1,000 a month shared with ixigo and Uber.Reward capped at ₹1,000 a month, one cap shared with Travel |
| Travelonly at ixigo, Uber | 5%cashback | 5% at ixigo and Uber, up to ₹1,000 a month shared with Apollo and Urban Company. On ixigo, 4% comes off with code IXIGOSBI and 1% comes back as cashback.Reward capped at ₹1,000 a month, one cap shared with Online Shopping |
Earns nothing on: Fuel · Rent · Insurance · Jewellery · Education · Utility Bills · EMI Conversions · Gift Cards & Vouchers · Cash Advances · Online Gaming · Government & Tax · Wallet Loads
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Rows marked incl. 18% GST include it; the other charges are as the bank quotes them, usually before GST. As of 13 Nov 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹589 |
| Joining fee (incl. 18% GST) | ₹589 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Add-on card fee | Free |
| Fuel surcharge waiver | 1%, cap ₹200 |
Perks & benefits
Estimated annual value beyond rewards — ~₹4,800/yr in total.
Buy one, get one movie ticket on the District app once a month, up to ₹200 off the second ticket
1% fuel surcharge waived on fills of ₹500 to ₹4,000, up to ₹200 a statement cycle
Should you get it?
- Best for: Regular Zomato and Blinkit users, District movie-goers
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on everyday spends (1% back; 10% only at Zomato, District).
Pros & cons
✓ Pros
- 10% instant discount on Zomato, District and Blinkit beauty and electronics, and 5% on Blinkit groceries
- 5% back at Apollo, ixigo, Uber and Urban Company
- Renewal fee reversed at ₹2 lakh of spend in a year, and add-on cards are free
- A buy-one-get-one movie ticket on District every month, up to ₹200 off
✕ Cons
- One ₹2,000 a month cap covers all the Zomato, District and Blinkit discounts
- The 1% base stops at ₹500 a month and the partner 5% at ₹1,000 a month
- Fuel, rent, utilities, insurance, education, jewellery, gaming, government payments, wallet loads and EMI earn nothing
- 3.5% forex markup
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Cashback reaches the card account within two working days of each statement and does not expire. The app discounts come off at checkout.
What your Cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The app discounts share one ₹2,000 a month cap, the base 1% stops at ₹500 a month, and a long list of spend (fuel, rent, utilities, insurance, education, wallet loads, EMI) earns nothing.
Frequently asked questions
What does the ETERNAL SBI Card pay on Zomato and Blinkit?
What is the ETERNAL SBI Card fee?
Can I link the ETERNAL SBI Card to UPI?
The bottom line
It suits a regular Zomato and Blinkit user. The ₹2,000 monthly cap on the app discounts and the ₹500 cap on the 1% base keep it a narrow card rather than an everyday one.
How this page was built
Counted from this card’s own record: 6 earn rules, 6 of them capped, 5 paid only at named merchants, the spends listed as earning nothing and 2 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 13 Nov 2026.
Sources & verification
Fees, reward rates, and benefits for the ETERNAL SBI Card are taken from SBI Card's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 13 Nov 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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