RBL Bank
RBL Bank Patanjali Swarn Credit Card
Annual Fee
₹1,769₹1,499 + GSTBase Reward
10% cashback
Foreign Markup
3.5%
Welcome Benefits
Earn 6,000 Reward Points on making the first transaction worth ₹1,000.
Product Highlights
- 10% cashback on Patanjali stores both online and offline
- 1 RP for every ₹100 spent
- Complimentary domestic airport lounge access
Category Rewards
shopping
10% CashBack
10%
Merchant-Specific Rewards
Patanjali
10% CashBack(up to ₹750)
Reward Calculator
Costs you ₹1,019/year
Break-even needs ~₹58,967/month at your reward mix.
₹25K
across all your buckets
3K
RBL Reward Points
₹750
via standard · ₹0.25/pt
Effective rate
0.25%
Annual fee
₹1,769
Year 1 net
₹-1,019
Year 2+ net
₹-1,019
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, cash advance, rent, wallet, government
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
10% cashback up to ₹750 at Patanjali stores both online and offline; 1 Reward Point for every ₹100 spent on online and offline spends.
Redemption
RP can be redeemed at RBL Rewards.
Benefits & Features
Domestic: 4 complimentary domestic airport lounge access annually. (Spend ₹50,000 in the previous quarter.) International: N/A Access to the lounge is available at select airports and is on a first-come-first-serve basis.
Pros & Cons
Pros
- Generous rewards on Patanjali purchases, both online and offline.
- Complimentary domestic airport lounge access and BOGO offers on movie tickets add extra value.
Cons
- Limited information on insurance benefits and international lounge access.
- Foreign currency markup of 3.5% could be a drawback for international travel.
Additional Info
10% cashback up to ₹750 every month on a minimum transaction of ₹500.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks