RBL Bank Patanjali Vishisht Credit Card

Best suited to applicants with a credit score of roughly 680+ whose spend is concentrated in groceries. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 1% base rate

• 🛒 Groceries

  10% reward rate (capped ₹500/monthly)

• ⛽ Fuel

  1% fuel surcharge waiver, capped ₹150/month.

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 680
• Minimum monthly income: ₹15,000
• Employment: salaried, self-employed
• Age: 21–60

• Spend-based waiver: Waived on annual spend of ₹1,50,000
• Rewards redemption fee: Cashback is credited automatically as statement credit; no redemption fee
• Foreign currency markup: 3.5%
• Interest rate: 42% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver, capped ₹150/month
• Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher

• 2,000 reward points on first spend of ₹500+ within 30 days.
• 10% cashback at Patanjali online and offline stores (₹500+ transactions), capped ₹500/month.
• 1% fuel surcharge waiver, capped ₹150/month.
• Complimentary 2N/3D wellness-centre stay and ₹500 Patanjali voucher at higher spend milestones (revised from 10 May 2026 to ₹10 lakh and ₹7 lakh annual spend for new cards, including minimum Patanjali store spends)