RBL Bank Patanjali Vishisht Credit Card
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.
Apply Now ❯| Feature | Details |
|---|---|
| Bank / Issuer | RBL Bank |
| Card Type | RuPay |
| Joining Fee | 500 Plus GST |
| Annual Fee | 500 Plus GST |
| Welcome Benefits | 2,000 Reward Points on first valid retail transaction (≥ ₹500) within 30 days of issuance |
| Fee Waiver Condition | Annual fee waived on spends of ₹1.5 lakh in a year |
| Reward Rates | 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 Rates | 3.99% per month (47.88% per annum) |
| Foreign Exchange Markup | 3.5% markup on international spends |
| Best For | UPI |
Key Features & Benefits
The RBL Bank Patanjali Vishisht Credit Card transforms your wellness shopping into rewarding experiences with industry-leading 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 purchase of organic products, Ayurvedic medicines, and wellness items highly rewarding. The card also offers 1 reward point per ₹100 spent on other categories, ensuring you earn on all your daily expenses.
Beyond cashback, the card provides exclusive milestone benefits that enhance your wellness journey. Spend ₹2.5 lakh annually to receive a ₹500 Patanjali voucher, while reaching ₹4 lakh in yearly spends unlocks a complimentary 2 nights/3 days stay at Patanjali Wellness Centre. The card also includes fuel surcharge waiver of 1% on transactions between ₹500-₹4,000 (capped at ₹150/month), UPI linking capability, and NCMC enablement for seamless digital payments across multiple platforms.
All You Need to Know About: RBL Bank Patanjali Vishisht Credit Card
The RBL Bank Patanjali Vishisht Credit Card is a co-branded RuPay network credit card specifically designed for health-conscious consumers and Patanjali brand loyalists. Issued by RBL Bank, this card offers a compelling value proposition with its industry-leading 10% cashback on all Patanjali store purchases, both online and offline, making it one of the most rewarding cards for wellness shopping. The card requires a minimum transaction of ₹500 to earn cashback and caps monthly earnings at ₹500, ensuring consistent rewards for regular shoppers.
The fee structure is designed to be accessible with a joining fee of ₹499 plus GST and an identical annual fee that can be completely waived by spending ₹1.5 lakh in a card year. Welcome benefits include 2,000 reward points upon making the first retail transaction of ₹500 or more within 30 days of card issuance. For general purchases outside Patanjali stores, cardholders earn 1 reward point per ₹100 spent, with each point valued at ₹0.25. However, rewards are not earned on fuel, utilities, insurance, railways, wallet loads, and government services.
The card’s milestone benefits add significant value for high spenders, offering a ₹500 Patanjali voucher for annual spends of ₹2.5 lakh (with minimum ₹12,000 spent at Patanjali) and a complimentary 2 nights/3 days stay at Patanjali Wellness Centre for ₹4 lakh annual spends (with minimum ₹15,000 at Patanjali). Additional features include fuel surcharge waiver of 1% on transactions between ₹500-₹4,000 capped at ₹150 monthly, UPI linking capability, and NCMC enablement for metro and bus travel.
The card carries some limitations including high foreign exchange markup of 3.5%, no lounge access benefits, interest rates up to 3.99% per month (47.88% per annum), and a reward redemption fee of ₹99 plus GST. Despite these constraints, the RBL Bank Patanjali Vishisht Credit Card remains an excellent choice for dedicated Patanjali shoppers seeking maximum cashback on their wellness and organic product purchases, combining affordability with targeted rewards that align with health-conscious lifestyles.
Pros & Cons
Pros
- Industry-leading 10% cashback on Patanjali purchases
- Milestone wellness center stay benefits
- Affordable ₹499 annual fee with spending waiver
- UPI and NCMC support for digital convenience
- Fuel surcharge waiver benefits
Cons
- High 3.5% foreign exchange markup
- No lounge access or travel benefits
- Limited reward categories (excludes fuel, utilities)
- Reward redemption fee of ₹99 + GST
- High interest rates up to 47.88% per annum
How to Apply
Applying for the RBL Bank Patanjali Vishisht Credit Card is simple and can be completed online. Visit the official RBL Bank website or authorized partner portals and fill out the application form with your personal and financial details. Submit required documents including identity proof, address proof, and income verification. A bank representative will contact you for verification, and upon approval, your card will be delivered within a few working days.
Detailed Fee Structure
The RBL Bank Patanjali Vishisht Credit Card comes with a joining fee of ₹499 plus applicable GST, with an identical annual renewal fee of ₹499 plus GST. However, the annual fee can be completely waived by spending ₹1.5 lakh or more in a card year, making it effectively free for regular users.
Additional charges include a reward redemption fee of ₹99 plus GST whenever you redeem accumulated points, cash advance charges of 2.5% or minimum ₹500, and late payment fees calculated at 12.5% of the due amount (minimum ₹5, maximum ₹1,300). Foreign transactions incur a 3.5% markup fee, while fuel transactions between ₹500-₹4,000 enjoy a 1% surcharge waiver capped at ₹150 monthly.
Who Should Get This Card?
The RBL Bank Patanjali Vishisht Credit Card is ideal for health-conscious individuals and families who regularly shop at Patanjali stores for organic products, Ayurvedic medicines, and wellness items. It’s perfect for budget-conscious consumers seeking co-branded benefits without high annual fees, especially those who can easily meet the ₹1.5 lakh annual spending threshold for fee waiver. This card suits users who prioritize cashback over premium perks like lounge access, making it excellent for everyday wellness shoppers and Patanjali brand loyalists.
Alternatives & Competitor Comparison
| Feature | RBL Bank Patanjali Vishisht Credit Card | RBL Bank Patanjali Swarn Credit Card |
|---|---|---|
| Card Image |  |  |
| Card Network | RuPay | RuPay |
| USP | 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. | 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. |
| Annual Fee | 500 Plus GST | 1499 Plus GST |
| Joining Fee | 500 Plus GST | 1499 Plus GST |
| Welcome Benefits | 2,000 reward points on first valid retail transaction (≥ ₹500) within 30 days of issuance | 6,000 reward points (worth ₹1,500) on first ₹1,000+ spend within 30 days of card issuance |
| Lounge Access | N/A | Domestic: 1 per quarter On spends of ₹50,000+ in the previous quarter |
| 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
What is the cashback rate on the RBL Bank Patanjali Vishisht Credit Card?
The RBL Bank Patanjali Vishisht Credit Card offers 10% cashback on all Patanjali store purchases (online and offline) with minimum ₹500 transaction, capped at ₹500 cashback per month. Other categories earn 1 reward point per ₹100 spent.
How can I waive the annual fee on RBL Bank Patanjali Vishisht Credit Card?
The annual fee of ₹499 on RBL Bank Patanjali Vishisht Credit Card is waived when you spend ₹1.5 lakh or more in a card year, making it effectively free for regular users.
What are the milestone benefits of RBL Bank Patanjali Vishisht Credit Card?
RBL Bank Patanjali Vishisht Credit Card offers ₹500 Patanjali voucher on ₹2.5 lakh annual spends and complimentary 2 nights/3 days stay at Patanjali Wellness Centre on ₹4 lakh yearly spends.
Does RBL Bank Patanjali Vishisht Credit Card offer lounge access?
No, the RBL Bank Patanjali Vishisht Credit Card does not provide complimentary domestic or international lounge access benefits.
What is the foreign exchange markup on RBL Bank Patanjali Vishisht Credit Card?
The RBL Bank Patanjali Vishisht Credit Card charges 3.5% foreign exchange markup on all international transactions and overseas purchases.
Final Verdict
Is the RBL Bank Patanjali Vishisht Credit Card right for you? If you're a regular Patanjali shopper seeking maximum cashback on wellness purchases, this card delivers exceptional value with its 10% cashback rate and unique milestone benefits. The affordable fee structure with spending waiver makes it accessible, while UPI integration adds modern convenience. However, limited reward categories and high forex charges may deter diverse spenders and travelers. For Patanjali loyalists prioritizing cashback over premium perks, this card offers unmatched value. Apply today through RBL Bank's website to start earning on your wellness journey.
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