Patanjali RBL Bank Swarn Credit Card

rupayclassiccreditshoppingonline

Annual Fee

₹1,499

Base Reward

10% cashback

Foreign Markup

3.5%

4.4/5

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%

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

railwaysutilitieswalletsrentalsinsuranceeducationgovernment transactionsEMIcash

Partner Merchants

Patanjali

Fees & Charges

Annual Fee₹1,499

Joining Fee₹1,499 + GST

Foreign Markup3.5%

Interest Rate3.99% per month

Cash Advance2.5% of the Cash Amount or a Minimum of ₹500

Redemption Fee₹99 + GST

Eligibility

Networks

rupay