ETERNAL SBI Credit Card: How Much Can You Save on Zomato, Blinkit and Everyday Spending?

The ETERNAL SBI Credit Card is a lifestyle credit card from SBI Card and Eternal Limited. It offers up to 10% instant discount on eligible Zomato, Blinkit and District purchases, along with cashback on selected brands. But how much can you actually save, and is the annual fee worth it?

Unlike many traditional credit cards that offer reward points, the ETERNAL SBI Credit Card focuses on instant discounts and cashback. This makes it easier for customers to understand their potential savings.

Why Choose the ETERNAL SBI Credit Card?

The biggest attraction of this card is its higher discount on selected everyday spending categories.

Cardholders can enjoy a 10% instant discount on eligible Zomato and District purchases, along with selected Blinkit categories such as electronics and beauty products. Get a 5% instant discount on other eligible Blinkit orders.

The combined discount across participating Eternal platforms is capped at ₹2,000 per month.

Customers can also earn 5% cashback on eligible transactions with Uber, ixigo, Urban Company and Apollo 24/7, subject to a monthly cashback limit of ₹1,000.

The card additionally offers 1% cashback on other eligible purchases, making it useful beyond Eternal's platforms.

How Much Can You Save Every Month?

Your savings depend on how much you spend and what you spend on. Here is a simple example of potential monthly savings.

In this example, spending ₹15,000 per month could generate savings of approximately ₹750. If the same spending pattern continues throughout the year, potential annual savings could reach ₹9,000.

However, these are estimated savings. Discounts and cashback may vary based on eligible purchases, merchant terms and monthly limits.

Can You Recover the Annual Fee?

The ETERNAL SBI Credit Card charges ₹499 plus GST as both the joining fee and the yearly fee. At 18% GST, the annual fee comes to approximately ₹589.

For example, if you spend ₹1,000 every month on eligible Zomato orders, a 10% discount could save you ₹100 monthly.

At this rate, you could recover the annual fee in approximately six months.

The annual fee is waived if you spend ₹2 lakh or more in a year on eligible purchases.

However, customers should not spend extra money simply to reach the fee waiver requirement.

Additional Lifestyle and Entertainment Benefits

Apart from cashback and instant discounts, the ETERNAL SBI Credit Card offers benefits for food lovers and moviegoers.

Cardholders get a free six-month Zomato Gold membership and a Buy One Get One Free movie ticket offer on District, saving up to ₹200 on the second ticket every month.

The RuPay version also supports eligible UPI merchant payments, making it convenient for everyday digital transactions.

These benefits can increase the card's overall value for customers who regularly use these services.

Important Limitations to Consider

Although the card offers attractive discounts, not every purchase qualifies for cashback.

Transactions involving fuel, rent, utility bills, insurance, government payments, wallet loading and certain other categories are excluded from regular cashback benefits.

The card has monthly limits on discounts and cashback. Customers who spend heavily on eligible platforms may reach these limits before the month ends.

Paying the full credit card bill on time is equally important because interest charges can reduce or exceed the savings earned.

Who Should Consider This Credit Card?

The ETERNAL SBI Credit Card may be suitable for customers who regularly order food through Zomato, purchase groceries from Blinkit or book entertainment through District.

It is also useful for people who regularly use Uber, ixigo, Urban Company and Apollo 24/7.

However, customers who mainly spend on fuel, rent, insurance or utility bills may find other cashback credit cards more rewarding.

The best way to decide is to compare your regular monthly spending with the card's eligible benefits.

Should You Get the ETERNAL SBI Credit Card?

The ETERNAL SBI Credit Card could be a good option for customers who frequently use Eternal's platforms. Its instant discounts, partner cashback and entertainment offers can help reduce everyday expenses.

Its benefits depend on how much you spend, monthly limits and yearly fees.

Before applying, check the complete card details, eligibility criteria, fees and latest cashback terms.

Explore ETERNAL SBI Credit Card Benefits, Fees, Eligibility and Apply Online

Final Thoughts

The ETERNAL SBI Credit Card offers benefits on food orders, groceries, entertainment and cashback. It can help frequent Zomato and Blinkit users save money on everyday spending.

However, customers should choose the card based on their actual spending needs rather than advertised discounts alone. A credit card that rewards your existing purchases without encouraging unnecessary spending is generally the better choice.