Cards · SBI Card

Eternal SBI Credit Card: rewards, caps and exclusions

The Eternal SBI Credit Card pays 5% on Preferred Partners: Apollo, Uber, UrbanCompany — 5% Cashback (in store / online), on the first ₹20,000 of spend a cycle, and 1% on everything else. Below is every rate, cap and exclusion in SBI Card's published terms, as we last checked them on 4 November 2026.

Mastercard, RuPay₹499 a yearPaid in cashback

What it earns

5%Preferred Partners: Apollo, Uber, UrbanCompany — 5% Cashback (in store / online)on the first ₹20,000 of spend a cycle

1%Ixigo flights and hotels — 1% cashback beside a 4% coupon discount (in store / online)on the first ₹1,00,000 of spend a cycle

1%Everything elseon the first ₹50,000 of spend a cycle

Checkout discounts

These cut the bill at checkout instead of earning, and don't stack with the rates above.

10% off Zomato, District, Blinkit — 10% Instant Discount
5% off Blinkit all other categories — 5% Instant Discount
4% off Ixigo flights and hotels — 4% instant discount with coupon IXIGOSBI

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Rent
Insurance premiums
Jewellery
Education fees
Utility bills
EMI conversions
Gift cards
Cash withdrawals and fees
Gaming
Government payments
Wallet loads
Telecom bills

What costs extra

Worse than earning nothing: SBI Card charges a fee for these.

0% on Processing Fee on all Rent Payment Transactions (flat ₹199 per transaction), at least ₹199, plus GST
1% on Utility Payment Fee, plus GST
1% on Fee on Education Payment Transactions (third-party apps only), plus GST
1% on Fee on Wallet Load Transactions (each load above ₹1,000), plus GST
1% on Fee on Transportation Transactions (each transaction above ₹30,000; from 1 Dec 2026), plus GST
1% on Fee on Fuel Transactions (from 1 Dec 2026), plus GST

Fees

Annual fee: ₹499, plus 18% GST
Joining fee: ₹499

Welcome benefit: Zomato Gold membership (6 months) on card activation.

Where this comes from

Transcribed from SBI Card's own documents and checked against them on 4 November 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with SBI Card's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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Zenidhi reads your SBI Card statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works