RBL Bank Patanjali Vishisht Credit Card

Joining Fee

₹499

Annual Fee

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

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.

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 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.

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