Eternal SBI Credit Card: Benefits, Fees, Eligibility and How to Apply

Eternal, the parent company of Zomato, has partnered with SBI Card to introduce the Eternal SBI Credit Card, a co-branded credit card designed for customers who regularly order food, shop online, and book entertainment through its platforms. The card offers discounts across Zomato, Blinkit, District and Bistro, alongside cashback on select external partner transactions.

The companies have opened early-access requests through their apps, giving eligible customers an opportunity to receive an invitation to apply. Here is everything you need to know about the Eternal SBI Credit Card, including its benefits, fees, eligibility requirements and application process.

Eternal SBI Credit Card: Key Features and Benefits

The biggest attraction of the Eternal SBI Credit Card is its combination of everyday discounts and partner cashback. According to the published details, cardholders can access the following benefits:

• 10% instant discount: Available on eligible purchases through Zomato, District, Bistro and qualifying Blinkit categories, including electronics and beauty.
• 5% instant discount on Blinkit: Applicable to eligible purchases in other supported categories, subject to exclusions and offer terms.
• Movie ticket offer: A buy-one-get-one offer on eligible movie tickets booked through District, with the discount on the second ticket capped at ₹200.
• 5% partner cashback: Earn cashback on eligible spending with Apollo 24|7, ixigo, Uber and Urban Company, subject to the applicable monthly limit.
• Zomato Gold membership: Receive a complimentary six-month membership as a welcome benefit upon payment of the joining fee, as specified in the offer terms.
• Fuel surcharge waiver: Get a 1% fuel surcharge waiver of up to ₹200 per statement cycle, subject to applicable conditions.

The combined monthly cap for the specified discounts across Eternal’s platforms is ₹2,000. Partner cashback is capped separately at ₹1,000 per month. Customers should review the latest terms to understand eligible transactions, exclusions and redemption conditions.

Eternal SBI Credit Card Fees and Charges

The card has a joining fee of ₹499, excluding applicable taxes. The annual renewal fee is also ₹499, but it is waived if the cardholder spends at least ₹2 lakh during the preceding year, subject to the issuer’s terms.

The card supports both Mastercard and RuPay networks, giving customers a choice of payment network during the application process, where available.

Before applying, users should also check the interest rate, late-payment charges, foreign currency markup and other applicable fees in the official card documentation. The reported forex markup is 3.50% on foreign currency transactions, making the card less attractive for overseas spending compared with cards offering lower forex charges.

Who Is Eligible for the Eternal SBI Credit Card?

The reported eligibility criteria include:

• Salaried applicants aged between 21 and 60 years.
• Self-employed applicants aged between 25 and 65 years.
• Applicants with a permanent Indian address and a serviceable PIN code.
• Applicants with a good credit profile, which is preferred.

Meeting these conditions does not guarantee approval. SBI Card may assess an applicant’s income, credit history, existing obligations and other factors before making a decision.

How to Apply for the Eternal SBI Credit Card Online

Customers can request early access through the Zomato, Blinkit or District mobile applications.

1. Open your logged-in Zomato, Blinkit or District app.
2. Look for the Eternal SBI Credit Card banner.
3. Tap the option to request early access.
4. Review the card information and follow the on-screen instructions.
5. Confirm your registered mobile number and provide the requested personal details, including your name as per your Aadhaar records.
6. Follow the invitation and application instructions when access becomes available.

The card’s rollout was reported to begin on October 22, 2026, in phases. Customers can also check the official SBI Card website for application availability and updated terms. Approved applicants can track their application status through the relevant app’s card management section. Physical card delivery was reported to take approximately seven to ten business days after approval.

Is the Eternal SBI Credit Card Worth Applying For?

The Eternal SBI Credit Card could be useful for customers who frequently order through Zomato, shop on Blinkit and book movies or activities through District. Its value will depend on how much you spend on eligible transactions and whether you can use the benefits within their monthly limits.

However, occasional users may find that the joining fee outweighs their savings. Compare the card’s terms with other options in our guide to the best credit cards for online shopping and explore our SBI credit card guide before deciding.

Bottom line: The Eternal SBI Credit Card combines food delivery, quick-commerce and entertainment benefits in one product. It is worth considering if these platforms already form a regular part of your spending, but review the official fees and exclusions before applying.

Source: Mint’s report on the Eternal SBI Credit Card.

FAQs