RBL Bank Patanjali Vishisht Credit Card
Shopping
1st Year Fee: ₹499* Plus Applicable Taxes
Co-branded
Up to 10% back on Patanjali spends
Rewards
2,000 reward points as joining bonus
Fee Waiver
On spending Rs. 1.5 lakh in a year
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About RBL Bank Patanjali Vishisht Credit Card
RBL Bank offers two co-branded credit cards in collaboration with Patanjali where RBL Patanjali Vishisht is the base variant and RBL Patanjali Swarn credit card is the premium variant. Both these cards offer accelerated value-back on co-branded spends as cashback and milestone benefits.
RBL Bank Patanjali Vishisht Credit Card comes with a 10% cashback on Patanjali brand purchases, however this cashback is only offered on Patanjali spends of up to Rs. 5,000 in a month. The remaining card spends only earn a base reward rate which is quite low. This makes this RBL credit card suitable for Patanjali brand loyalists who often shop for its products for everyday use, this card also offers a brand voucher and a 3 day stay at Patanjali Wellness Centre as milestone bonuses. However, to earn a decent value-back on non-cobranded spends, the customers would have to depend on other credit cards.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit RBL Bank website.
Rewards Program
Cashback Benefit
- 10% cashback, up to Rs. 500 per month, on online and offline Patanjali purchases of min. Rs. 500
Reward Earnings
- 1 reward point on every Rs. 100 spent1 online and offline
Rewards Redemption
- Accrued reward points can be redeemed against products available in RBL Rewards Catalogue
Other Features & Benefits
Welcome Benefits
- 2,000 reward points on making the 1st spend of min. Rs. 500 within 30 days from card issuance
Milestone Benefit
- Rs. 500 Patanjali voucher on Rs. 2.5 lakh annual spends, subject to min. Rs. 12,000 spends on Patanjali website/store
- 2 nights/3 days Patanjali Wellness Centre stay on Rs. 4 lakh annual spends, subject to min. Rs. 15,000 spends on Patanjali website/store
Fee Waiver
- Annual fee waived off on spending a min. of Rs. 1.5 lakh in the previous year
Fuel Benefit
- 1% fuel surcharge waiver, up to Rs. 200 per month, on fuel spends of Rs. 500 to Rs. 4,000
RBL Patanjali Vishisht Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining/Annual Fee | Rs. 499 + applicable taxes |
| Finance Charges | Up to 3.99% p.m. (47.88% p.a.) |
| Late Payment Charges | 12.5% of the outstanding amount, subject to a min. of Rs. 5 and a max. of Rs. 1,300 |
Things to Know Before you apply
Get This Card If:
You are a loyal customer of Patanjali and use their products for your everyday personal and household needs
You have another credit card to get a good value-back on your other lifestyle expenses, including apparel, travel, entertainment, dining, etc.
You can maximise your savings by availing card benefits like milestone benefits and fee waiver by meeting the required spending conditions
Similar Cards:
RBL Patanjali Swarn Credit Card
YES Bank Wellness Credit Card
Axis Aura Credit Card
Apollo SBI Card Select
Paisabazaar Review
What do we like about this card?
RBL Bank Patanjali Vishisht Credit Card offers good co-branded savings in the form of 10% back as cashback, along with bonus Patanjali voucher and Wellness Centre stay as milestone benefits. This card comes at a low card fee and still lets the card users cut back on this cost by compensating for the joining fee through reward points in the first year and offering annual fee waiver at a really low annual spend threshold. This allows the cardholders to maximise their value-back on Patanjali spends while minimising their card costs.
Pros
- 10% savings on co-branded spends made from Patanjali stores/website
- Rewards as joining bonus as compensation for the joining fee
- Exclusive co-branded benefits as milestone bonuses
- Low spending requirement for fee waiver
Cons
- Capping on cashback savings on spends made on Patanjali brand
- Low reward point earnings on all spends
Footnotes
- Spends made on fuel and auto, railways, insurance, utilities, education, rental, real estate, govt. services, cash, quasi-cash, wallet, service providers, contracted services, EMIs, Bills2Pay, offline UPI payments worth less than Rs. 2,000 and miscellaneous do not accrue any reward points.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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