You can apply for the SBI Card Eternal online at sbicard.com, through SBI Card’s ILA chatbot, by calling the SBI Card helpline, or at an SBI branch. Before applying, check the general screening criteria—age, stable income, credit history, credit score and serviceable location—and keep your PAN, masked Aadhaar or another government address proof ready. SBI Card makes the final decision after reviewing your application, so meeting the published criteria does not guarantee approval.
Choose an application route
The Eternal product page lists four ways to start an application. The online and chatbot routes are usually the most convenient because you can submit information digitally, while the helpline and branch routes provide alternatives if you need assistance or cannot complete the digital form.
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| Route | How to start | What to have ready |
|---|---|---|
| Website | Open the Eternal card page on sbicard.com and select the application option. | Mobile number, email address, PAN details, address information and income details. |
| ILA chatbot | Use the ILA chatbot on the SBI Card website and follow its application prompts. | The same identity, contact, address and income information used for an online application. |
| Telephone | Call the SBI Card helpline at 39 02 02 02, adding your city’s STD code as required. | PAN, contact details and answers about employment, income and address. |
| SBI branch | Visit the nearest SBI branch and ask about applying for the SBI Card Eternal. | Original or accepted copies of identity, address and income documents. |
SBI Card’s product wording is explicit: “You can apply for the Eternal SBI Card through our website sbicard.com or via our Chatbot ILA.” The same page gives the helpline and branch options. Use only official SBI Card channels when entering PAN, Aadhaar or income information.
Check your eligibility before you apply
SBI Card publishes general eligibility guidance rather than a guaranteed Eternal-specific approval formula. Treat the points below as a screening checklist. The issuer can evaluate additional factors and can set card-specific income requirements.
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| Criterion | General SBI Card guidance | How to interpret it for Eternal |
|---|---|---|
| Age | Minimum 21 years and maximum 60 years. | These are general stated limits, not an approval promise. Confirm your age meets the criteria when you submit the application. |
| Employment | Salaried or self-employed applicants may apply. | You should be able to show stable income and accurately describe your occupation. |
| Income | Stable income is expected; the specific minimum varies by card. | No single Eternal minimum is established in the published general guidance. Do not assume that a particular salary guarantees eligibility. |
| Credit history | A positive credit history is preferred. | Late payments, defaults, high outstanding balances or numerous recent applications can affect the issuer’s assessment. |
| Credit score | The guidance describes 750–900 as a preferred range. | A score outside that range is not stated to be an automatic rejection, and a score inside it is not a guarantee. |
| Location | You should live in a location serviced by SBI Card. | Service availability can depend on your address. The application or helpline can confirm whether your location is covered. |
SBI Card assesses “multiple parameters,” so eligibility is not determined by age or score alone. Make sure every field is accurate and consistent with your documents. An incorrect PAN, mismatched address or unsupported income claim can delay processing or lead to a decline.
What the 750–900 score guidance means
The 750–900 figure is described as a preferred credit-score range in SBI Card’s general guidance. It is not a published Eternal approval cutoff. Credit scores can differ by bureau and by the date on which they are checked. Review your current report for errors, bring down overdue amounts if any exist, and avoid submitting several card applications at the same time if you are trying to improve your approval prospects.
Income requirements are card-specific
The general eligibility page says the minimum income varies by card. Because an Eternal-specific minimum is not stated there, do not rely on figures from unrelated SBI Card products or old articles. If the application asks for salary, business income or other earnings, enter the amount and frequency that your records support. SBI Card may request salary slips, income-tax returns or other income documents depending on your eligibility and current policy.
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Digital KYC normally requires identity and address information. SBI Card’s checklist names the following core documents:
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- PAN card: Enter the PAN exactly as it appears on the card. SBI Card says, “Please provide your correct PAN details to help us process your application faster.”
- Aadhaar address proof: Provide a copy with the first eight digits masked, as specified in the digital-KYC guidance.
- Another valid government address proof: If you do not use Aadhaar, use an accepted government-issued proof that shows your current address.
- Income evidence when requested: Salary slips, income-tax returns or other income documents may be required depending on the card, your profile and the applicable policy.
Keep your legal name, date of birth, address and contact details consistent across the application and documents. Upload clear, readable files and follow any size or format instructions shown in the application. Do not send unmasked Aadhaar unless the official process specifically requires it; the published digital-KYC checklist calls for the first eight digits to be masked.
Use an email address you can access
SBI Card’s application guidance says that providing an official email ID can improve the chances of getting a credit card. Use an address you monitor regularly so you can receive verification requests, application communications and any document instructions. This statement is a process recommendation, not a promise of approval.
Step-by-step: submit an online Eternal application
- Open the official SBI Card website. Go to sbicard.com and locate the SBI Card Eternal product page. Check that you are on the official domain before entering personal information.
- Start the application. Select the application control on the Eternal page and provide the requested mobile number and contact details.
- Enter PAN information carefully. Type the correct PAN exactly as shown on your PAN card. Recheck every character before continuing.
- Provide personal and address details. Enter your name, date of birth, residential address and other requested information. Use an address within an SBI Card-serviced location.
- Describe employment and income. Select salaried or self-employed status as applicable and provide stable, documentable income information. The form may ask for additional details based on your selection.
- Complete KYC. Upload the masked-Aadhaar copy or another accepted government address proof. Add salary slips, income-tax returns or other income evidence if requested.
- Review consent and declarations. Read the disclosures and permissions shown in the form, then submit only after checking your PAN, phone number, email and address.
- Save the application reference. Keep the reference number, confirmation screen or message. You will need it to track progress or contact support.
The exact fields and verification sequence can change. Follow the labels displayed in the live application rather than relying on an old screenshot or third-party form.
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Apply through ILA, the helpline or a branch
ILA chatbot
Open the ILA chatbot from the official SBI Card website and choose the path for applying for a card. Answer its prompts consistently with your documents. If the chatbot redirects you to a form or requests a verification step, complete that step through the official SBI Card interface and retain the reference details.
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SBI Card helpline
Call 39 02 02 02 with your city’s STD code as instructed by SBI Card. Ask the representative to explain the current Eternal application process, service availability for your address and the documents you should carry or upload. Never disclose a one-time password to anyone who calls you unexpectedly; use the official number you obtained from SBI Card’s own channel.
SBI branch
At the nearest SBI branch, request information about applying for the SBI Card Eternal. Take your PAN, masked Aadhaar or other government address proof, and income documents if available. A branch can help you begin the process, but the card issuer still performs its own eligibility and credit assessment.
Understand the Eternal card fee and waiver
| Charge or condition | Published amount or rule | Qualification |
|---|---|---|
| Annual/joining fee | ₹499 plus applicable taxes | Listed on the current Eternal product page and terms table. |
| Renewal fee from the second year | ₹499 plus applicable taxes | Applies from the second year under the published terms. |
| Renewal-fee reversal | Spend ₹2,00,000 in the preceding year | The threshold is based on preceding-year annual spending; the product terms govern which transactions qualify. |
The ₹499 amount is not the final rupee cost because taxes are extra. The ₹2,00,000 threshold is a spending requirement for reversing the renewal fee, not a cashback amount or a credit limit. Before relying on a waiver, read the current terms table for eligible-spend exclusions and the period used to measure the preceding year.
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The current product page advertises the following features. They are worth checking against the detailed terms linked from the page because merchant, category, timing and statement-cycle conditions can limit the headline benefit.
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| Advertised feature | Published detail | What to verify in the detailed terms |
|---|---|---|
| Zomato Gold | Six months complimentary after activation. | Activation deadline, eligible membership, redemption process and exclusions. |
| Instant discounts | Up to 10% on Zomato, District and selected Blinkit categories. | Participating merchants, selected categories, minimum transaction rules and maximum discount. |
| Preferred-partner cashback | Up to 5% on eligible preferred-partner spending. | Which partners qualify, transaction caps, posting timelines and excluded payment types. |
| Other eligible spending | 1% cashback. | Eligible merchant categories, exclusions, rounding and any monthly or statement-cycle ceiling. |
| Fuel-surcharge waiver | 1% on transactions from ₹500 to ₹4,000. | The waiver is capped at ₹200 per statement cycle per account; check eligible fuel transactions and any taxes or exclusions. |
“Up to” percentages are maximum advertised rates, not a guaranteed rate on every purchase. A transaction can fall outside a preferred-partner list, selected category or eligible-spend definition. Compare the terms, not only the largest percentage shown in a promotion.
How to check your SBI credit-card application status
SBI Card’s card overview says you can track an application with the Track Application widget on the SBI Card home page or through its Track Application page.
- Open the SBI Card home page or the official Track Application page.
- Select the Track Application widget.
- Enter the application details requested, such as the reference information supplied after submission.
- Review the displayed status and any request for additional documents or verification.
- If the reference is not recognised, recheck the number and details exactly as shown in your confirmation, then contact SBI Card through the official helpline or channel used for the application.
Status labels and processing times can vary, and the published material does not establish a universal approval timeline. A pending status does not mean approval, while a request for documents does not necessarily mean rejection. Respond only through verified SBI Card channels and keep copies of anything you submit.
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Status remains pending
- Use the Track Application widget with the original reference details.
- Check whether SBI Card has requested an additional income or address document.
- Confirm that your phone and email are accessible and that messages have not been filtered.
- Call the official helpline with your application reference if the status does not explain the next action.
SBI Card requests more documents
- Provide only the documents requested through an official SBI Card channel.
- Ensure the PAN and address details match the application.
- Use a masked Aadhaar copy as specified for digital KYC, or an accepted government address proof.
- If income evidence is requested, submit current salary slips, income-tax returns or another document that supports the income you declared.
The application is declined
A decline does not identify one universal reason in the general eligibility guidance. Possible factors can include the issuer’s overall assessment, income policy, credit history, existing obligations, document verification or service-area rules, but SBI Card’s decision is case-specific. Do not immediately submit repeated applications with inconsistent information. Check your credit report for errors, confirm that your documents are current and ask SBI Card whether it can provide a specific explanation or a future reapplication path.
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You entered incorrect PAN or personal information
Contact SBI Card through the official helpline or application support route as soon as you notice the error. Do not create a second application simply to correct a typo unless SBI Card instructs you to do so; duplicate applications can complicate tracking and assessment.
Questions to answer before you submit
- Am I between 21 and 60 years old, and is my residence in an SBI Card-serviced location?
- Can I document stable salaried or self-employed income?
- Is my credit history accurate, with no unresolved overdue accounts or reporting errors?
- Have I entered my PAN exactly as printed?
- Do I have masked Aadhaar or another valid government address proof?
- Can I justify the ₹499 plus-tax fee and potentially reach ₹2,00,000 in preceding-year spend for the renewal-fee reversal?
- Have I checked whether my expected Zomato, District, Blinkit, partner, general and fuel spending fits the detailed benefit terms?
- Have I saved the application reference so I can use Track Application?
How to compare Eternal with another credit card
If you are deciding between Eternal and another card, compare the same categories side by side rather than comparing headline reward percentages alone.
| Comparison point | Why it matters | What to record |
|---|---|---|
| Annual and renewal fees | A lower nominal fee may still cost more if it is harder to waive. | Fee including taxes, renewal year and exact waiver spend. |
| Spend required for waiver | The threshold must fit your normal annual spending, not an exceptional one-time purchase. | Eligible spend definition and measurement period. |
| Reward categories | Rewards depend on where you actually spend. | Preferred partners, selected categories, general-spend rate and exclusions. |
| Caps and cycles | A percentage can be limited by a monthly or statement-cycle cap. | Cap amount, statement-cycle rules and posting date. |
| Welcome or activation benefits | Short-term offers may expire or require activation. | Eligibility, activation deadline and redemption steps. |
| Fuel terms | The waiver may apply only to a specified transaction range and cap. | Eligible transaction amount, waiver percentage and per-cycle maximum. |
| Eligibility and documents | An attractive rewards structure is irrelevant if you cannot meet underwriting requirements. | Age, income, credit-history, service-area and KYC requirements. |
| Application and support | Accessible support matters when verification or status tracking is needed. | Website, chatbot, helpline, branch and status-tracking options. |
Security and accuracy checks
- Start from sbicard.com or a verified SBI Card contact route rather than an unsolicited message.
- Check the domain before entering PAN, Aadhaar or bank details.
- Mask the first eight Aadhaar digits for digital KYC as specified by SBI Card.
- Never share an OTP, password or full card credentials with an unverified caller.
- Keep your application reference, submitted documents and confirmation messages until the card decision is complete.
- Read the current fee, waiver and benefit terms before spending to meet a threshold.
Bottom line for an Eternal application
Start with the official website or ILA chatbot, and use the helpline or an SBI branch if you need an alternative route. The practical eligibility screen is age 21–60, stable salaried or self-employed income, positive credit history, a preferred score range of 750–900 and residence in a serviced location; SBI Card still assesses each application using multiple parameters. Prepare an accurately entered PAN, masked Aadhaar or another government address proof, and income evidence if requested. Budget for the ₹499-plus-tax annual or renewal fee, and treat the ₹2,00,000 preceding-year spend as the condition for renewal-fee reversal. After applying, use the SBI Card Track Application widget with the reference you saved.
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