RBL Bank
Patanjali Swarn Credit Card
SimplifyCards take:A good fit if you want a card built for co-branded, grocery, and movies, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
10% Cashback on patanjali online & offline spends, auto-credited with no points to manage
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for co-branded, grocery, and movies, and you want your rewards as simple, no-tracking cashbackBottom line
It combines complimentary airport lounge access, accelerated rewards on patanjali online & offline spends, and milestone rewards
Estimate your Cashback
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback rates
| Category | Rate | Monthly cap |
|---|---|---|
| Patanjali Online & Offline Spends | 10% Cashback | 750 Cashback |
| Other Eligible Retail Spends | 1 Reward Point / ₹100 spent | - |
Redemption
Vouchersupto ₹ 0.25 per point
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Brand e-Vouchers | Shopping, lifestyle & brand gift vouchers | 1 point = ₹0.25 |
| MakeMyTrip / Travel | Flight & hotel bookings via RBL Rewards portal | 1 point = ₹0.25 |
| Merchandise | Electronics, apparel & catalogue products | 1 point = ₹0.25 |
Important conditions
1
Domestic lounge8 visits per year
- 2 complimentary visits per quarter, unlocked by spending ₹50,000 or more in the preceding calendar quarter
2
Milestone₹1,500 Patanjali shopping voucher on annual spends of ₹3 Lakhs (incl. ₹12,000 at Patanjali)
3
Milestone4-night/5-day Patanjali Wellness stay on annual spends of ₹5 Lakhs (incl. ₹15,000 at Patanjali)
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 ₹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
Exclusions
Spending that does not earn cashback
- Fuel transactions
- Cash advance transactions
- EMI transactions
Compare before you decide
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