Ten per cent off Zomato, District and Blinkit — up to ₹2,000 a month of it — and a flat, capped 1% everywhere else.
Reward rate 1%–10% — everyday spend to its best bonus category, before the fee
Zomato's owner is back in the card business, this time with SBI Card, and the deal is exactly what you would expect from a food-delivery company: 10% off at checkout on Zomato and District and on Blinkit's beauty and electronics aisles, 5% off the rest of Blinkit, all inside one cap of ₹2,000 a month.
Add up to 5% cashback at four outside partners — Apollo, ixigo, Uber and Urban Company, ₹1,000 a month between them — a District buy-one-get-one movie ticket every month worth up to ₹200, and six months of Zomato Gold for activating. Everything else earns 1%, and even that stops at ₹500 a month. The fee is ₹499 and goes away at ₹2 lakh of annual spend. For a household that orders in twice a week this is real money; for anyone else it is a 1% card with a ceiling. The travel story is thin — an ixigo discount and nothing more: no lounge, no transfer partner, and SBI's standard 3.5% forex. A cashback card, and a good one if you live on Zomato.
About 1.0% back on everyday spend, paid in SBI Card Cashback worth ₹1.00 each. Up to 10.0% on its bonus categories. Rewards stop above ₹50,000 of spend a month.
| Spend | Back |
|---|---|
| Zomato, District and Blinkit beauty & electronics | 10.0% |
| Blinkit, every other category (incl. grocery) | 5.0% |
| Preferred partners — Apollo, ixigo, Uber, Urban Company | 5.0% |
| All other eligible spends | 1.0% |
| Fuel, rent, insurance, jewellery, education, utilities, wallets, gaming & EMI | 0.0% |
At ₹1.00 a point.
Category rules: not published. We have not found where this card earns less.
₹499/yr, plus GST. Spend ₹2,00,000 in a year and the next renewal fee is waived.
At ₹5,000 a month (₹60,000 a year), on everyday spending this card returns ₹600 (rewards ₹600) against its ₹499 fee, so it comes out at ₹100 a year, the lowest spend where it comes out ahead. How we find the break-even
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
The waiver: ₹2,00,000 of spend in the year before renewal (about ₹16,667 a month) and the renewal fee is not charged.
Break-even: ₹5,000 a month (₹60,000 a year) is where its value passes the fee.
You hold this card.
Saved on this device only. Never sent to us.
Downgrade: SBI Card publishes no card you can step down to, so we name none. That leaves keep or cancel.
Called to cancel? Tell us what the bank offered · Calendars of upcoming changes
Forex markup, interest and late fees: not published here yet. We have not copied this card's schedule of charges into our table; the documents we did read are under Sources.
₹2,00,000 a year is the bar that waives the ₹499 fee. Earning points and counting toward that bar are separate rules, and banks write them separately.
Not published. SBI Card has not said which kinds of spend count toward the fee waiver (the ₹2,00,000 bar). We won't guess it from the earn rules or a sister card. Have it in writing? Send us the document.
| Rule | What the bank says |
|---|---|
| How you get it | Not confirmed on sale |
| Income, salaried | not published |
| Income, self-employed | not published |
| Age | not published |
Not yet copied from the bank’s terms into our table.
Not confirmed on sale — the issuer still documents this card but we could not confirm it is open to new applications. Treat any application path with care.
SBI Card's product record for this card carries isOnline "no" — no online application yet — and the joint launch coverage says applications open in phases from 22 October 2026, with early access requested inside the Zomato, Blinkit and District apps. SBI publishes no income bar on the product page.
No lounge access: opens 0 of 792 lounges we track. Find a card that gets you in.
Welcome: Six months of Zomato Gold on card activation
Spend milestones: none published.
Before
No Zomato-group co-brand card in India since the RBL Zomato Edition was withdrawn
After
₹499 a year (reversed at ₹2 lakh), 10% off Zomato, District and Blinkit beauty & electronics and 5% off the rest of Blinkit under one ₹2,000 monthly cap, 5% at four partners, 1% elsewhere
Before
SBI Card Travel Credits transferred 1:1 into Air France-KLM Flying Blue, row 4 of the seventeen-airline table in §3 of the MILES rewards T&C (3-Aug-2026 edition). At the ₹1/partner-mile anchor that was a full-value exit, and the cheapest Indian door into Flying Blue's Promo Rewards from India.
After
No Flying Blue route from SBI. The 23-Sep-2026 edition of the MILES rewards T&C lists sixteen airline partners and Air France-KLM is not one of them — neither "France" nor "KLM" appears anywhere in the seven-page document. Every other partner survives at the same ratio: 16 airlines + 8 hotels, 13 of them at 1:1.
Before
Advantage editions of ELITE, PRIME, SimplyCLICK and SimplySAVE priced in SBI's MITC fee table but with no application path on sbicard.com
After
Secured Advantage SBI Card on SBI YONO for SBI fixed-deposit holders, in four variants — ELITE, PRIME, SimplyCLICK and SimplySAVE — through a paperless application of about 10 minutes
Before
SBI Card Travel Credits transferred 1:1 into Etihad Guest, one of eighteen airline partners in §3 of the MILES rewards T&C. At the ₹1/partner-mile anchor that was a full-value exit, and it was the only route left after the two Etihad Guest SBI co-brands were retired.
After
No Etihad route at all. The MILES rewards T&C now lists seventeen airline partners and Etihad is not one of them — the word does not appear anywhere in the seven-page document. Every other SBI partner survives at the same ratio.
: PhonePe SBI SELECT BLACK stops paying on UPI outside PhonePe (about the PhonePe SBI Card SELECT BLACK)
: PhonePe SBI PURPLE stops paying on UPI outside PhonePe (about the PhonePe SBI Card PURPLE)
Before
Late payment charge nil up to ₹500 outstanding; ₹400 for ₹501–1,000
After
Nil up to ₹100; ₹100 for ₹101–500; ₹500 for ₹501–1,000; ₹750 / ₹950 / ₹1,100 / ₹1,300 slabs unchanged
Before
Etihad Guest SBI Card (₹1,499) and Etihad Guest SBI Premier (₹4,999) earning Etihad Guest Miles directly — up to 6 miles/₹100 on etihad.com
After
Cards deactivated; holders reissued an SBI MILES card earning SBI Travel Credits instead
Every SBI Card change (23 since 1998, 15 of them cuts) · All changes across cards
Outgrown it? At ₹1 lakh a month the SBI Card step up is SBI Card MILES PRIME: ₹20,100 a year after its ₹2,999 fee, against ₹6,000 here.
Last checked . Every fact on this page comes from these 4 documents; the bank's own are marked official.
We price the card on an everyday mix of spending (30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else), using this card's own rules for each kind of spend. Then we add milestone bonuses and take off the fee.
This figure does not count a card's bonus categories (they need you to shop a certain way); our rankings add each card's best bonus category on a realistic share of spend. Our comparisons use this same figure.
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