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RBL Bank

RBL Bank Patanjali Vishisht Credit Card

An entry Patanjali co-brand card built around 10% cashback at Patanjali stores, with no lounge access and no published point redemption value for its general spend.

Joining fee
₹0
Annual fee
₹499
Status
Open
Verified
2 September 2026

Fees

Joining fee
₹0
Annual fee
₹499
Fee waiver
Waived above ₹1,50,000 annual spend
Forex markup
3.5%
APR
47.88% p.a.
Monthly finance charge
3.99%

Rewards

reward points

  • everything-else: 1 points / ₹100Excludes railways, utilities, wallets, quasi-cash, real estate/rental, insurance, education, government services, contracted services, cash, miscellaneous, Bills2Pay, and EMI conversions.
  • groceries: 10%Patanjali stores (online + offline); transactions ≥₹500 required.

Milestone rewards

  • ₹7,00,000 spend: ₹500 Patanjali voucher (also requires ≥₹1.5 lakh spent at Patanjali stores)
  • ₹10,00,000 spend: 2N/3D Patanjali Wellness Centre stay (also requires ≥₹2.5 lakh spent at Patanjali stores)

Milestone thresholds shown are RBL's revised figures effective 10 May 2026; cards issued before 9 May 2026 keep the pre-revision thresholds (₹500 voucher at ₹2.5 lakh annual spend with ≥₹12,000 at Patanjali; Wellness Centre stay at ₹4 lakh annual spend with ≥₹15,000 at Patanjali) until their next anniversary. Welcome benefit: 2,000 points on first spend ≥₹500 within 30 days. No INR-per-point redemption value is published anywhere for this card.

Eligibility

Not published by the issuer.

No specific eligibility criteria published by the issuer.

Why this card may suit you

  • The annual fee is waived once you spend 1,50,000 in a year.
  • Rewards pay back as cashback rather than points that need redeeming.

Source & Verification

Verified from official issuer sources. Last verified 2 September 2026

View issuer page ↗

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge