MyFinCards
RBL Bank Patanjali Swarn Credit Card

Joining Fee

₹1,499

Annual Fee

Rs. 1499 + Taxes

RBL Bank
Cashback
Rewards
Shopping
Lifestyle
Best For: Patanjali product shoppers, Value-conscious consumers seeking cashback on lifestyle/health spends, Occasional domestic travelers

RBL Bank Patanjali Swarn Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Pros

  • 10% cashback at Patanjali stores (online and offline)
  • 6,000 welcome reward points on first transaction
  • Domestic airport lounge access (4 per year)
  • 1+1 movie offer on BookMyShow weekends
  • Fuel surcharge waiver up to INR 200/month
  • UPI linking supported
  • Milestone vouchers and wellness stay rewards
  • RuPay NCMC contactless card

Cons

  • Cashback capped at INR 750 per month
  • Lounge access requires INR 50,000 spend in previous quarter
  • Welcome benefit only valid after annual membership fee is paid
  • Reward points not earned on many categories including fuel, utilities, insurance, railways, education, government services, wallets
  • No reward points on UPI transactions below INR 2,000 (offline)

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Welcome benefit applicable only after annual membership fee is paid

Lounge access requires INR 50,000 spend in previous calendar quarter to be eligible

UPI transactions below INR 2,000 excluded from milestone spend accrual

Cashback minimum transaction amount is INR 500

Many MCC categories excluded from reward points accrual

Key Benefits & Features

Welcome benefit of 6,000 reward points on first spend of INR 1,000 or more within 30 days of card issuance (after annual membership fee is paid).

Link RBL Bank Patanjali Swarn Credit Card with UPI on GPay, PhonePe, Mobikwik, PayTM, BHIM, Slice.

RuPay Contactless card compatible with National Common Mobility Card (NCMC) Program for metros, buses, cabs etc.

Notable Exclusions

No reward points on Fuel & Auto spendsNo reward points on UtilitiesNo reward points on InsuranceNo reward points on Quasi-Cash transactionsNo reward points on RailwaysNo reward points on Real Estate/RentalNo reward points on EducationNo reward points on Wallet/Service ProvidersNo reward points on Government ServicesNo reward points on Contracted ServicesNo reward points on Cash transactionsNo reward points on Miscellaneous (MCC 5960)No reward points on Bills2Pay transactionsNo reward points on EMI conversion of retail transactions (Split-N-Pay & EMI conversion at POS/Web/Mobile App)No reward points on offline UPI transactions below INR 2,000

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About RBL Bank Patanjali Swarn Credit Card

The RBL Bank Patanjali Swarn Credit Card is a co-branded credit card issued on the RuPay network, designed for loyal Patanjali shoppers and value-conscious consumers who want to maximise savings on everyday spends. The card offers 10% cashback on transactions of INR 500 or more at Patanjali online and offline stores, with a monthly cashback cap of INR 750. New cardholders also receive 6,000 welcome reward points upon their first spend of INR 1,000 or more within 30 days of card issuance. Beyond Patanjali-specific benefits, the card rewards general shopping with 1 reward point per INR 100 spent at online and offline stores, redeemable at the RBL rewards portal. Milestone spenders can unlock a INR 1,500 Patanjali voucher on annual spends of INR 3 lakh or a 4-night/5-day Patanjali wellness centre stay on INR 5 lakh in annual spends, subject to minimum Patanjali store purchases. Additional lifestyle perks include 4 complimentary domestic airport lounge visits per year (once per quarter, subject to prior quarter spend eligibility), a 1+1 movie offer on BookMyShow on weekends, and a 1% fuel surcharge waiver on eligible transactions. The card also supports UPI linking and is compatible with India's National Common Mobility Card program, making it a well-rounded option for Patanjali enthusiasts seeking cashback, rewards, and travel convenience. Membership and annual fees are INR 1,499 each.

Expert Review

Our Verdict

Best for Patanjali shoppers with 10% cashback, welcome rewards & domestic lounge access at ₹1,499/yr.

Frequently Asked QuestionsAbout RBL Bank Patanjali Swarn Credit Card

FEESWhat is the joining and annual fee for the RBL Bank Patanjali Swarn Credit Card?
The RBL Bank Patanjali Swarn Credit Card comes with a membership fee of INR 1,499 plus applicable GST, both as a joining fee and annual renewal fee. Please note that the welcome benefit of 6,000 reward points is applicable only after the annual membership fee is paid. For a complete breakdown of all fees and charges, you can refer to the Schedule of Charges available on the RBL Bank website.
REWARDSWhat cashback do I earn on Patanjali store purchases?
You earn 10% cashback on spends at Patanjali online and offline stores on transactions of INR 500 or more. The maximum cashback you can earn per month is capped at INR 750. This makes the card particularly rewarding for regular Patanjali shoppers, allowing you to save significantly on everyday purchases such as groceries, health products, and other Patanjali merchandise both in-store and online.
REWARDSWhat is the welcome benefit on the RBL Bank Patanjali Swarn Credit Card?
New cardholders receive 6,000 reward points as a welcome benefit upon making their first spend of INR 1,000 or more within 30 days of card issuance. It is important to note that this welcome benefit is applicable only after the annual membership fee has been paid. These reward points can be redeemed for a wide range of products on the RBL rewards portal at www.rblrewards.com.
REWARDSHow does the rewards program work on this card?
You earn 1 reward point for every INR 100 spent at online or offline stores. Reward points can be redeemed for products on the RBL rewards portal at https://www.rblrewards.com/. However, reward points are not accrued on certain excluded categories including Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Miscellaneous, Cash, Bills2Pay, and EMI conversions. Additionally, no reward points are issued for offline UPI transactions below INR 2,000.
BENEFITSWhat are the milestone benefits available on this card?
The card offers two milestone benefits based on annual spends. First, an INR 1,500 Patanjali voucher is awarded on annual spends of INR 3 lakh, which must include a minimum of INR 12,000 spent at Patanjali stores or website. Second, a 4-night/5-day stay at a Patanjali wellness centre is rewarded on annual spends of INR 5 lakh, including a minimum of INR 15,000 at Patanjali stores or website. Note that UPI transactions below INR 2,000 and select MCC categories are excluded from milestone spend calculations.
BENEFITSHow can I access domestic airport lounges with this card?
The RBL Bank Patanjali Swarn Credit Card provides access to domestic airport lounges with 4 complimentary visits per year, limited to one visit per quarter. To be eligible for lounge access in a given quarter, you must have spent INR 50,000 on your Patanjali credit card during the previous calendar quarter. This spend-based eligibility criterion must be met each quarter to avail the lounge benefit.
BENEFITSWhat movie benefits does the card offer?
Cardholders can enjoy a 1+1 offer (buy one get one free) on movie tickets on BookMyShow on weekends, available once per month. The discount is applicable up to INR 200 per offer. This means you can effectively get one movie ticket free while purchasing another, making your weekend movie outings more affordable. Terms and conditions apply, and the offer is subject to availability on the BookMyShow platform.
BENEFITSIs there a fuel surcharge waiver on the RBL Bank Patanjali Swarn Credit Card?
Yes, the card offers a 1% fuel surcharge waiver of up to INR 200 per month. This waiver is applicable on individual fuel transactions between INR 500 and INR 4,000. To maximize this benefit, ensure your single fuel transactions fall within this range. The monthly cap of INR 200 means you can save up to INR 2,400 annually on fuel surcharges, helping offset some of the card's annual membership fee.
USAGECan I use the RBL Bank Patanjali Swarn Credit Card for UPI payments?
Yes, you can link your RBL Bank Patanjali Swarn Credit Card with UPI on select UPI apps including GPay, PhonePe, Mobikwik, PayTM, BHIM, and Slice. However, please note that no reward points will be issued for offline UPI transactions below INR 2,000. Additionally, UPI transactions of less than INR 2,000 are excluded from accrual towards annual milestone spends. UPI transactions above INR 2,000 may be eligible for reward points and milestone calculations.
USAGEIs the RBL Bank Patanjali Swarn Credit Card a contactless card?
Yes, the RBL Bank Patanjali Swarn Credit Card is a RuPay contactless card that is compliant with the National Common Mobility Card (NCMC) program specifications. This means the card can be used across public transport systems in India including metros, buses, and cabs. Being on the RuPay network, it supports seamless contactless payments at various merchant outlets and transit systems across the country.
INTERNATIONALCan I use the RBL Bank Patanjali Swarn Credit Card for international transactions?
The RBL Bank Patanjali Swarn Credit Card is issued on the RuPay network, which has limited international acceptance compared to Visa or Mastercard networks. The card does not appear to have a listed forex markup fee, suggesting international usage may be restricted or limited. It is primarily designed for domestic use, offering cashback and rewards on Patanjali store purchases and other domestic spends. For international travel needs, it is advisable to check with RBL Bank directly.
REWARDSWhich categories are excluded from earning reward points on this card?
Reward points are not accrued on the following categories: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Miscellaneous, Cash, Bills2Pay, and EMI conversions (including Split-N-Pay and EMI conversion requests at POS/Web/Mobile App). Additionally, offline UPI transactions below INR 2,000 do not earn reward points. These exclusions also apply to milestone spend calculations for annual benefits.
USAGEHow do I redeem my reward points earned on the RBL Bank Patanjali Swarn Credit Card?
Reward points earned on the RBL Bank Patanjali Swarn Credit Card can be redeemed for a variety of products through the RBL rewards portal at https://www.rblrewards.com/. You can log in to the portal with your card credentials to browse available redemption options. Additionally, the card settings and reward redemption options are accessible through the RBL Bank website and the RBL MyCard Mobile App. Make sure your points have not expired before initiating redemption.
APPLICATIONHow do I apply for the RBL Bank Patanjali Swarn Credit Card?
You can apply for the RBL Bank Patanjali Swarn Credit Card by clicking the 'Apply Now' button on the official RBL Bank credit card page for this card. The application process is done online through the RBL Bank website. You will need to provide personal details, income information, and relevant KYC documents as part of the application process. For assistance, you can also reach out to RBL Bank customer care or visit a nearby branch.
OTHERHow do I raise a grievance or complaint regarding my RBL Bank Patanjali Swarn Credit Card?
In case of any grievance related to your RBL Bank Patanjali Swarn Credit Card, you can write to cardservices@rbl.bank.in. For unresolved complaints, you may escalate the issue by contacting the Nodal Officer through the RBL Bank website. Additionally, you can raise a query, request, or complaint through the 'Customer Services' section on the RBL Bank website or visit the RBI Sachet Portal for further redressal if required.

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