RBL Bank Patanjali Swarn Credit Card

Joining Fee

₹1,499

Annual Fee

Rs. 1499 + Taxes

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.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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