RBL Bank Patanjali Swarn Credit Card
RBL Bank · Open to apply
RBL's Patanjali co-brand RuPay card: 10% cashback at Patanjali stores and online (up to ₹750 a month, on bills of ₹500 or more), 1 Reward Point per ₹100 elsewhere, 6,000 welcome points, a ₹1,500 Patanjali voucher and a 4-night wellness-centre stay on large annual spends, 4 domestic lounge visits a year and a fuel surcharge waiver. Fee ₹1,499.
- Annual fee
- ₹1,499 + GST a year
- Joining fee
- ₹1,499 + GST
- Base rate
- 1 Reward Point per ₹100 on all other eligible spends: 1 RBL Reward Points per ₹100
- Lounges
- Domestic: 1 visit a calendar quarter after ₹50,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10% cashback at Patanjali stores and online on bills of ₹500 or more (up to ₹750 a month): 10% in Patanjali cashback on top of the base rate (about 10% at cash value)
Earns nothing on
- No Reward Points on utilities, insurance, quasi-cash, rent, education, wallet loads, government services, cash, EMI
- No Reward Points on railways
Where the sources disagree
- fuel and auto reward exclusion: The product page's sentence on categories that earn no Reward Points names Fuel & Auto, but neither the page's own MCC table nor the T&C (clause 3.3, the more specific document) lists it. We follow the T&C: fuel and auto earns the base 1 point per ₹100. If RBL confirms the page, add fuel back to the exclusion rule. The points are not valued in the calculator, so the figure does not move.
Terms the calculator does not value
- RBL does not publish a rupee value for a Reward Point on this card, so points earn but are not valued; the card's value in the calculator is the Patanjali cashback, milestones and fuel waiver alone.
- The voucher and wellness-stay milestones also need a minimum of Patanjali spend within the annual spend (the revised criteria, for cards issued from 10 May 2026, need ₹1.5 lakh and ₹2.5 lakh at Patanjali); the calculator counts total spend only. The stay has no stated rupee value.
- The 10% cashback is only at participating Patanjali stores (list published by Patanjali on the RBL site), and offline UPI transactions under ₹2,000 at small merchants do not qualify for rewards or milestones.
Sources
- RBL Bank, Patanjali Swarn Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, Patanjali Swarn RuPay Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank, Most Important Terms and Conditions cum Key Fact Statement for Credit Cards (PDF modified 2026-08-20) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- RBL Bank, Schedule of Charges for credit cards, RBL-CC-SOC-V2-04-06-2026 (Schedule of charges, the bank's own, read 6 Nov 2026)
- RBL Bank, Credit Cards Rewards Programme Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)