RBL Bank Patanjali Swarn Credit Card

Key Features & Benefits

The RBL Bank Patanjali Swarn Credit Card transforms your wellness shopping into substantial savings with an impressive 10% cashback on all Patanjali store purchases, both online and offline. With a minimum transaction of ₹500, you can earn up to ₹500 cashback monthly, making every health and wellness purchase more rewarding. The card also provides 1 reward point per ₹100 spent on other categories, ensuring you earn on all your regular expenses.

Beyond cashback rewards, cardholders enjoy 4 complimentary domestic airport lounge visits per year, adding comfort to your travel experience. The card includes exciting milestone benefits like ₹1,500 Patanjali vouchers on ₹3 lakh annual spends and even a free 4-night stay at Patanjali Wellness Centre for high spenders. Additional perks include monthly movie ticket offers through BookMyShow, fuel surcharge waivers, and UPI compatibility for seamless digital payments.

All You Need to Know About: RBL Bank Patanjali Swarn Credit Card

The RBL Bank Patanjali Swarn Credit Card is a specialized rewards credit card designed for health-conscious consumers and Patanjali brand loyalists. Built on the RuPay network, this card offers substantial cashback rates specifically for Patanjali purchases while providing additional benefits for regular spending and travel needs. The card combines wellness-focused rewards with practical travel perks, making it a unique offering in the Indian credit card market.

The reward structure is the card’s primary attraction, offering 10% cashback on all Patanjali store purchases both online and offline, with a minimum transaction requirement of ₹500 and monthly capping at ₹500 cashback. For other merchant categories, cardholders earn 1 reward point per ₹100 spent, with each point valued at ₹0.25. The card excludes certain categories from rewards including utilities, insurance, wallet loads, EMI transactions, government payments, education, rentals, railways, and cash transactions. New cardholders receive 6,000 reward points worth ₹1,500 as welcome benefits upon spending ₹1,000 within the first 30 days.

Travel benefits include 4 complimentary domestic airport lounge visits per year, available quarterly based on spending ₹50,000 in the previous quarter. The card also provides monthly movie ticket offers through BookMyShow with buy-one-get-one deals up to ₹200, valid only on weekends. Milestone benefits add significant value for high spenders, including ₹1,500 Patanjali vouchers on ₹3 lakh annual spends with ₹12,000 specifically on Patanjali purchases, and a free 4-night, 5-day stay at Patanjali Wellness Centre for ₹5 lakh annual spends with ₹15,000 on Patanjali.

The fee structure includes ₹1,499 plus GST as both joining and annual fees with no waiver conditions. Additional charges include ₹99 plus GST reward redemption fee, 2.5% cash advance fee with ₹500 minimum, late payment fees ranging from 12.5% to 15% of outstanding amounts, and 3.5% foreign exchange markup. Interest rates reach up to 3.99% per month or 47.88% per annum. The card supports UPI transactions through RuPay network and includes NCMC public transport support, making it suitable for digital payment preferences and daily commuting needs.

Pros & Cons

How to Apply

Visit the official RBL Bank website and navigate to the credit cards section. Select the Patanjali Swarn Credit Card and click “Apply Now.” Complete the online application form with your personal, income, and employment details. Upload required documents including PAN card, income proof, and identity verification. Submit your application and an RBL Bank representative will contact you within 2-3 business days for verification and processing.

Detailed Fee Structure

The RBL Bank Patanjali Swarn Credit Card comes with a joining fee of ₹1,499 plus applicable GST, with the same amount charged as annual renewal fee. There are no fee waiver conditions available, making it essential to factor in the recurring annual cost. Additional charges include a reward redemption fee of ₹99 plus GST whenever you redeem your earned points.

Hidden fees include cash advance charges at 2.5% of the transaction amount with a minimum of ₹500, and late payment fees ranging from 12.5% to 15% of the outstanding amount. The foreign exchange markup stands at 3.5%, which is higher than many premium cards, making this card less suitable for international travelers.

Who Should Get This Card?

This card is ideal for frequent Patanjali shoppers who spend significantly on health, wellness, and organic products. It’s perfect for health-conscious individuals and families who regularly purchase Patanjali items both online and in-store. The card also suits domestic travelers who value airport lounge access without wanting to pay premium card fees. Budget-conscious users seeking decent rewards on everyday spending while maintaining loyalty to Patanjali brand will find excellent value in this offering.

Alternatives & Competitor Comparison

Feature	RBL Bank Patanjali Swarn Credit Card	RBL Bank Patanjali Vishisht Credit Card
Card Image
Card Network	RuPay	RuPay
USP	The RBL Bank Patanjali Swarn Credit Card delivers 10% cashback on Patanjali purchases and 4 domestic lounge visits annually, making it perfect for health-conscious shoppers and frequent domestic travelers seeking premium benefits at an affordable annual fee.	The RBL Bank Patanjali Vishisht Credit Card delivers exceptional 10% cashback on all Patanjali purchases with milestone rewards including free wellness center stays, making it the perfect choice for health-conscious shoppers and Patanjali loyalists seeking maximum value on their everyday wellness spending.
Annual Fee	1499 Plus GST	500 Plus GST
Joining Fee	1499 Plus GST	500 Plus GST
Welcome Benefits	6,000 reward points (worth ₹1,500) on first ₹1,000+ spend within 30 days of card issuance	2,000 reward points on first valid retail transaction (≥ ₹500) within 30 days of issuance
Lounge Access	Domestic: 1 per quarter On spends of ₹50,000+ in the previous quarter	N/A
Reward Rate	Earn 10% cashback at Patanjali stores (online/offline) with minimum ₹500 per transaction, capped at ₹500 cashback per month. Earn 1 reward Point for every ₹100 spent on other categories (1 RP = ₹0.25)	Earn 10% cashback at Patanjali stores (online/offline) with minimum ₹500 per transaction, capped at ₹500 cashback per month. Earn 1 reward Point for every ₹100 spent on other categories (1 RP = ₹0.25)
Interest Rate	3.99% per month (47.88% per annum)	3.99% per month (47.88% per annum)
Best For	UPI	UPI
Apply Now	Apply Now	Apply Now

Frequently Asked Questions