RBL Bank
RBL Bank Patanjali Vishisht Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
10% cashback
Foreign Markup
3.5%
Welcome Benefits
Earn 2,000 Reward Points within 30 days of card issuance
Product Highlights
- Affordable joining fee
- Reward Points can be redeemed for vouchers, products, flight and hotel tickets
Category Rewards
shopping
10% CashBack
10%
Fee Waiver
Annual fee is waived for spending of ₹1.5 lakhs
Merchant-Specific Rewards
Patanjali
10% CashBack(up to ₹500)
Reward Calculator
Earns ₹161/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
3K
RBL Reward Points
₹750
via standard · ₹0.25/pt
Effective rate
0.25%
Annual fee
₹589
Year 1 net
+₹161
Year 2+ net
+₹161
ongoing
Adjust your spend by reward bucket
1 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
₹500 Patanjali Voucher (requires ≥ ₹12K Patanjali spend in year)
Surcharges & 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 ₹500 on purchases made at Patanjali stores; 1 Reward Point for every ₹100 spent on offline and online transactions.
Redemption
RP earned can be redeemed on the RBL Rewards portal.
Benefits & Features
1% fuel surcharge waiver up to ₹150 on transactions between ₹500 to ₹4,000
Pros & Cons
Pros
- Affordable joining fee
- Reward Points can be redeemed for various rewards
Cons
- No entertainment and dining benefits
- High forex fees for international transactions
Additional Info
Card can be linked with UPI apps for easy transactions
Card comes under the NCMC program for public transportation
Maximum cashback of ₹500 per month.
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
Fee Waiver
Annual fee is waived for spending of ₹1.5 lakhs