SBI CARD · CHECKED 22 OCT 2026
Eternal SBI Credit Card
Short answer
Eternal SBI Credit Card earns its highest rewards on District (10% off), Zomato (10% off) and Apollo 24|7 (5% back). It has a joining fee of ₹499 and an annual fee of ₹499 and pays rewards as Cashback. Fee waiver: renewal fee waived on annual spends over ₹2,00,000 (SBI's fee table says ₹1,00,000; the stricter figure is used).
Key facts
| Bank | SBI Card |
|---|---|
| Network | RuPay, Mastercard |
| Still issued? | Yes |
| Joining fee | ₹499 |
| Annual fee | ₹499 |
| Fee waiver | Renewal fee waived on annual spends over ₹2,00,000 (SBI's fee table says ₹1,00,000; the stricter figure is used). |
| Rewards paid as | Cashback |
| One point is worth | — |
| How the points are used | — |
| Other ways to use the points | — |
| Checked on | 22 Oct 2026 |
Official page: SBI Card
Rewards in every app
| App | Reward | Min. order | Limit | Rank |
|---|---|---|---|---|
| DistrictMovies and events | 10% off | ₹100+ | Up to ₹2,000 per calendar month (one limit shared with the card's other apps at this rate) | #2 of 50 |
| ZomatoFood delivery | 10% off | ₹100+ | Up to ₹2,000 per calendar month (one limit shared with the card's other apps at this rate) | #2 of 50 |
| Apollo 24|7Pharmacy | 5% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #2 of 50 |
| BlinkitQuick commerce | 5% off | ₹100+ | Up to ₹2,000 per calendar month (one limit shared with the card's other apps at this rate) | #7 of 50 |
| UberCabs | 5% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #2 of 50 |
| AJIOFashion | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #29 of 50 |
| AmazonOnline shopping | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #29 of 50 |
| BigBasketGrocery | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #29 of 50 |
| BookMyShowMovies and events | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #30 of 50 |
| CleartripTravel | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #31 of 50 |
| Domino'sFood delivery | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #30 of 50 |
| FlipkartOnline shopping | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #31 of 50 |
| GoibiboTravel | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #28 of 50 |
| ixigoTravel | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #23 of 50 |
| JioMartGrocery | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #25 of 50 |
| MakeMyTripTravel | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #26 of 50 |
| MeeshoOnline shopping | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #26 of 50 |
| MyntraFashion | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #30 of 50 |
| NykaaBeauty | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #27 of 50 |
| PVR INOXMovies and events | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #31 of 50 |
| Reliance DigitalElectronics | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #24 of 50 |
| SwiggyFood delivery | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #37 of 50 |
| Swiggy InstamartQuick commerce | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #29 of 50 |
| Tata CLiQFashion | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #23 of 50 |
| Tata NeuOnline shopping | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #23 of 50 |
| ZeptoQuick commerce | 1% back | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #28 of 50 |
| Airtel ThanksBills and recharges | Earns nothing here | — | — | #40 of 50 |
| IRCTC Rail ConnectTrain tickets | Fee is more than the reward | ₹100+ | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) | #40 of 50 |
Where other cards earn more
- Airtel Thanks:Airtel Axis earns 25% back, against earns nothing here on Eternal SBI.
- AJIO:HSBC Live+ earns 10% back, against 1% back on Eternal SBI.
- BigBasket:HSBC Live+ earns 10% back, against 1% back on Eternal SBI.
- BookMyShow:Axis Neo earns 10% off, against 1% back on Eternal SBI.
- Domino's:HSBC Live+ earns 10% back, against 1% back on Eternal SBI.
- JioMart:HSBC Live+ earns 10% back, against 1% back on Eternal SBI.
Questions people ask
Where does Eternal SBI earn the most?
Eternal SBI Credit Card earns its highest rewards on District (10% off), Zomato (10% off) and Apollo 24|7 (5% back).
What is the annual fee of Eternal SBI, and can it be waived?
Eternal SBI has a joining fee of ₹499 and an annual fee of ₹499. Renewal fee waived on annual spends over ₹2,00,000 (SBI's fee table says ₹1,00,000; the stricter figure is used).
Is Eternal SBI still available?
Yes, the bank still issues it to new customers.
Rewards are as per SBI Card’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t connected to SBI Card. Check the official page before applying.