MyFinCards
RBL Bank Patanjali Vishisht Credit Card

Joining Fee

₹499

Annual Fee

Rs. 499 (Reversed on annual spends of Rs. 1.5 Lakhs)

RBL Bank
Cashback
Rewards
Shopping
Best For: Regular Patanjali shoppers, Budget-conscious users seeking low annual fee card

RBL Bank Patanjali Vishisht Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Pros

  • 10% cashback at Patanjali stores
  • Welcome bonus of 2,000 reward points
  • Annual fee waiver on INR 1.5 lakh spend
  • Fuel surcharge waiver
  • UPI integration supported
  • NCMC compatible for public transport
  • Low annual fee of INR 499

Cons

  • Cashback capped at INR 500 per month
  • Benefits heavily skewed toward Patanjali spends
  • No reward points on many excluded categories
  • No UPI reward points for transactions below INR 2,000

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

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

Many MCC categories excluded from reward points and milestone spends

Key Benefits & Features

Welcome benefit of 2,000 reward points on first spend of INR 500 or more within 30 days of card issuance.

UPI payments supported via GPay, PhonePe, Mobikwik, PayTM, BHIM, Slice.

RuPay Contactless card compatible with National Common Mobility Card (NCMC) for public transport.

Notable Exclusions

No reward points on Fuel & Auto transactionsNo reward points on UtilitiesNo reward points on InsuranceNo reward points on Quasi-CashNo 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 MiscellaneousNo reward points on Bills2Pay, EMI conversion (Split-N-Pay), EMI conversion at POS/Web/Mobile AppNo 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 Vishisht Credit Card

The RBL Bank Patanjali Vishisht Credit Card is a co-branded cashback and rewards credit card designed for regular Patanjali shoppers seeking meaningful savings on their everyday purchases. Available on the RuPay network with a joining and annual fee of INR 499, the card delivers strong value through its 10% cashback on spends at Patanjali online and offline stores, on transactions of INR 500 or more, with a monthly cashback cap of INR 500. New cardholders also receive 2,000 welcome reward points upon their first spend of INR 500 or more within 30 days of card issuance. Beyond Patanjali-specific benefits, the card earns 1 reward point on every INR 100 spent at online or offline stores, redeemable at the RBL rewards portal. Cardholders also enjoy a 1% fuel surcharge waiver of up to INR 150 per month on transactions between INR 500 and INR 4,000. The card features an attractive milestone program that rewards consistent spenders. Annual spends of INR 1.5 lakh result in a full annual fee waiver, while higher spending thresholds unlock a INR 500 Patanjali voucher and even a complimentary 2-night stay at a Patanjali wellness centre. Additional conveniences include UPI compatibility with select apps and National Common Mobility Card functionality for seamless public transport payments across India.

Expert Review

Our Verdict

Patanjali-focused card with 10% cashback at Patanjali stores, welcome rewards, and milestone benefits at INR 499 fee.

Frequently Asked QuestionsAbout RBL Bank Patanjali Vishisht Credit Card

FEESWhat is the joining fee and annual fee for the RBL Bank Patanjali Vishisht Credit Card?
The RBL Bank Patanjali Vishisht Credit Card comes with a membership fee of INR 499 + GST as both the joining fee and annual fee. Importantly, the annual fee for the next year can be waived if you achieve annual spends of INR 1.5 lakh on the card.
BENEFITSWhat welcome benefit do I get with this card?
As a welcome benefit, you earn 2,000 reward points when you make your first spend of INR 500 or more within 30 days of card issuance. Please note that this welcome benefit is applicable only after the annual membership fee has been paid.
REWARDSHow much cashback can I earn at Patanjali stores?
You can earn 10% cashback on purchases made at Patanjali online and offline stores, on transactions of INR 500 or more. The maximum cashback you can earn is capped at INR 500 per month. This makes the card especially valuable for regular Patanjali shoppers.
REWARDSHow do reward points work on this card?
You earn 1 reward point for every INR 100 spent at online or offline stores. However, reward points are not accrued on several excluded categories such as Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, and more. Additionally, no reward points are issued for UPI transactions below INR 2,000. Earned points can be redeemed at https://www.rblrewards.com/.
BENEFITSWhat are the milestone benefits available on this card?
The card offers three milestone benefits: (1) Annual fee waiver on annual spends of INR 1.5 lakh; (2) INR 500 Patanjali Voucher on annual spends of INR 2.5 lakh, including minimum INR 12,000 at Patanjali stores/website; (3) A 2-nights/3-days stay at a Patanjali wellness centre on annual spends of INR 4 lakh, including minimum INR 15,000 at Patanjali stores/website. UPI transactions below INR 2,000 are excluded from milestone spend calculations.
BENEFITSIs there a fuel surcharge waiver on this card?
Yes, the RBL Bank Patanjali Vishisht Credit Card offers a 1% fuel surcharge waiver of up to INR 150 per month. This waiver is applicable on individual fuel transactions between INR 500 and INR 4,000, helping you save on your regular fuel expenses.
USAGECan I use this card for UPI payments?
Yes, you can link your RBL Bank Patanjali Vishisht Credit Card with UPI on select apps including GPay, PhonePe, Mobikwik, PayTM, BHIM, and Slice. However, note that no reward points will be issued for offline UPI transactions below INR 2,000, and such transactions are also excluded from annual milestone spend calculations.
BENEFITSWhat is the National Common Mobility Card (NCMC) feature on this card?
The RBL Bank Patanjali Vishisht Credit Card is a RuPay contactless card that is compliant with the National Common Mobility Card (NCMC) program. This means you can use it across all public transport systems in India, including metros, buses, and cabs, making commuting more convenient and cashless.
OTHERWhich payment network does this card run on?
The RBL Bank Patanjali Vishisht Credit Card is available on the RuPay network. As a RuPay card, it supports contactless payments and is compatible with the National Common Mobility Card (NCMC) program for public transport usage across India.
REWARDSWhich categories are excluded from reward points and milestone spend calculations?
Several categories are excluded from both reward points accrual and milestone spend calculations, including Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, and EMI conversions (Split-N-Pay and POS/Web/Mobile EMI requests). Additionally, fees, charges, GST, and UPI transactions below INR 2,000 are excluded from milestone spend tracking.
INTERNATIONALCan I use the RBL Bank Patanjali Vishisht Credit Card for international transactions?
The RBL Bank Patanjali Vishisht Credit Card is primarily designed for domestic use in India, running on the RuPay network. International usage may be limited as RuPay acceptance abroad is restricted compared to Visa or Mastercard networks. There is no forex markup fee mentioned for this card, as it is not specifically positioned as an international travel card.
USAGEHow can I redeem the reward points earned on this card?
Reward points earned on the RBL Bank Patanjali Vishisht Credit Card can be redeemed for products at the official RBL rewards portal: https://www.rblrewards.com/. You can log in to the portal and browse available redemption options. For card settings and reward point management, you can also use the RBL MyCard Mobile App or access your account through net banking.
APPLICATIONHow do I apply for the RBL Bank Patanjali Vishisht Credit Card?
You can apply for the RBL Bank Patanjali Vishisht Credit Card online by clicking the 'Apply Now' button on the official RBL Bank credit card page. The application process involves submitting your personal details, income information, and required KYC documents. For assistance, you can contact RBL Bank customer care or visit a nearby branch.
DOCUMENTSWhat documents are typically required to apply for this card?
While specific document requirements are not listed on the card page, standard documents typically required for an RBL Bank credit card application include: a valid identity proof (Aadhaar card, PAN card, passport), address proof, recent passport-sized photographs, and income proof such as salary slips or bank statements. You may also need to complete KYC formalities as per RBL Bank's requirements.
OTHERHow can I raise a grievance or complaint regarding my RBL Bank Patanjali Vishisht Credit Card?
In case of any grievance related to your RBL Bank Patanjali Vishisht Credit Card, you can write to cardservices@rbl.bank.in. For unresolved complaints, you may escalate the matter to RBL Bank's nodal officer. You can also report loss of card or unauthorized use by contacting RBL Bank customer care. Additionally, you may visit the RBI Sachet Portal for regulatory complaints.

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