SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for co-branded, grocery, and movies, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on patanjali online & offline spends, and milestone rewards.
Where value may drop
Fuel don't earn rewards. Monthly reward caps apply on the top categories. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many cashback you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
How you earn it
| Category | Monthly spend | cashback/yr |
|---|---|---|
| Groceries | Rs 5,000 | 6,000 |
| Other spends | Rs 8,000 | 240 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for simple cashback
10% Cashback on patanjali online & offline spends, auto-credited with no points to manage.
Best for airport lounge access
8 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Patanjali online & offline spends | 10% Cashback | 750 cashback |
| Other eligible retail spends | 1 Reward Point / Rs 100 spent | - |
Redemption
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Brand e-Vouchers | Shopping, lifestyle & brand gift vouchers | 1 point = Rs 0.25 |
| MakeMyTrip / Travel | Flight & hotel bookings via RBL Rewards portal | 1 point = Rs 0.25 |
| Merchandise | Electronics, apparel & catalogue products | 1 point = Rs 0.25 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 2 complimentary visits per quarter, unlocked by spending ₹50,000 or more in the preceding calendar quarter
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Cash advance transactions
- EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Welcome benefit of 6,000 Reward Points (worth ₹1,500) on first transaction of ₹1,000 or more within 30 days of card issuance
- Buy 1 Get 1 free movie ticket (up to ₹200 off) on BookMyShow once a month on weekends
Additional details
- 10% cashback on Patanjali spends is credited directly to the credit card statement.
- Base spends earn reward points which can be redeemed via the RBL Rewards portal (rblrewards.rbl.bank.in) for travel or brand vouchers at Rs 0.25 per point.
- Redemption fee of ₹99 + GST applies per portal redemption request.
- Fuel surcharge waiver of 1% at all fuel stations for transactions between ₹400 and ₹5,000 (Max waiver ₹200/month).
- 10% cashback is applicable on Patanjali spends for transactions of ₹500 or more.
Eligibility
Check this before you apply.
Salaried
- Minimum age: 21 years, Maximum age: 70 years
- Stable income source meeting bank criteria
Self-employed
- Minimum age: 21 years, Maximum age: 70 years
- Stable business income meeting bank criteria
Compare before you decide
Alternatives based on what you might want instead.
Patanjali RBL Bank Vishisht Credit Card
Best for co-branded, grocery, entry level.
RBL Bank Platinum Maxima Plus Credit Card
Best for dining, grocery, entertainment.
SBI Card PRIME
Best for utility bills, grocery, dining.