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CASHBACK CARD

RBL Bank Patanjali Swarn Credit Card

RBL Bank

10% cashback at Patanjali stores (up to ₹750/month), 6,000 welcome points, 1 point per ₹100, domestic lounge access, 1% fuel surcharge waiver, BookMyShow 1+1 and spend-based milestone rewards.

Fuel, utilities, insurance, rent, education and other listed MCCs earn no points. Milestone thresholds were revised for cards issued on or after 10 May 2026. Offline UPI under ₹2,000 earns no points.

RBL Bank Patanjali Swarn Credit Card
ANNUAL FEE
₹1,499 + GST
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
10% cashback at Patanjali online and offline stores on transactions of ₹500 or more, up to ₹750 per month
BEST FOR
Included: May suit people who regularly shop at Patanjali stores or its website and want cashback plus reward points
Included: People who shop regularly at Patanjali stores or website.
Included: Those who may use domestic airport lounge access subject to quarterly spend.
Included: Those who may use UPI linking and RuPay contactless (NCMC) features.
Limitation: Those without regular Patanjali spends, or whose spends are mainly on fuel, utilities may wish to compare other cards.
Limitation: Those with little or no Patanjali spends may wish to compare other cards.
Limitation: Those whose spends are mostly on fuel, utilities, insurance, rent or education may wish to compare other cards.
Limitation: Those seeking international lounge access may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Welcome benefit applies only after the annual membership fee is paid.
Condition: Milestones for cards issued on or after 10 May 2026: ₹1,500 voucher at ₹9 lakh annual spends (incl. ₹1.5 lakh at Patanjali); 4N/5D stay at ₹12 lakh (incl. ₹2.5 lakh).

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
₹1,499 + GST
Fee waived at
Not stated
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
4 visits per quarter — 4 domestic lounge accesses per annum (once per quarter) · Eligibility requires ₹50,000 spent on the card in the previous calendar quarter · ₹50,000 spent on the card in the previous calendar quarter
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% surcharge waiver up to ₹200 per month on individual transactions of ₹500 to ₹4,000
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No points on fuel & auto, utilities, insurance, quasi-cash, railways, rent, education, wallets, government services, contracted services, cash, miscellaneous, Bills2Pay, EMI conversion; offline UPI under ₹2,000; Fuel & auto, utilities, insurance, quasi-cash, railways, rent, education, wallets, government services, contracted services, miscellaneous, cash, Bills2Pay, EMI conversion; offline UPI under ₹2,000
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 10% cashback at Patanjali online and offline stores on transactions of ₹500 or more, up to ₹750 per month
Included: 10% cashback at Patanjali online and offline stores on transactions of ₹500 or more, up to ₹750 per month.
Included: Annual milestones: ₹1,500 Patanjali voucher and a 4N/5D Patanjali wellness centre stay on stated annual spends, including minimum Patanjali spends.
Included: Also 4 domestic lounge accesses a year, BookMyShow 1+1 (up to ₹200, weekends, once per month) and UPI linking in select apps.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.