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RBL Bank
RBL Bank Patanjali Swarn Credit Card
RuPay
RBL Bank Patanjali Swarn Credit Card
The upper tier of RBL's Patanjali co-brand pair, Swarn adds gated lounge access and a wellness-centre stay on top of the Vishisht card's Patanjali cashback. Still a niche card best suited to households that already shop heavily at Patanjali outlets.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in groceries, travel. It's worth the annual fee mainly if your cashback value clears it.
Rewards & benefits
- Movie & dining: 1+1 BookMyShow movie ticket discount
- Rewards rate: 1% base rate
- Domestic lounge access: 4 domestic airport lounge visits per year, gated on ₹50,000 quarterly spend
Benefits by category
- 🛒 Groceries
10% reward rate (capped ₹750/monthly)
- ✈️ Travel
4 domestic airport lounge visits per year, gated on ₹50,000 quarterly spend.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Rewards redemption fee: Cashback is credited automatically as statement credit; no redemption fee
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher
Benefits
- 6,000 reward points on first spend of ₹1,000+ within 30 days.
- 10% cashback at Patanjali stores, capped ₹750/month.
- 4 domestic airport lounge visits per year, gated on ₹50,000 quarterly spend.
- ₹1,500 Patanjali voucher and 4N/5D wellness-centre stay at higher spend milestones (revised from 10 May 2026 to ₹9 lakh and ₹12 lakh annual spend for new cards, including minimum Patanjali store spends)
Pros
- + Higher Patanjali cashback cap than the base Vishisht card
- + Lounge access included, unlike the entry variant
- + Sizeable welcome point bonus
Cons
- − ₹1,499 fee with no stated waiver spend
- − Lounge access requires consistent quarterly spend
- − Rewards outside Patanjali and travel are thin