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RBL Bank
RBL Bank Patanjali Vishisht Credit Card
RuPay
RBL Bank Patanjali Vishisht Credit Card
A RuPay co-brand with Patanjali aimed at the brand's existing retail customer base, offering heavy cashback specifically on Patanjali purchases rather than general spend. Outside that niche, the card's rewards are unremarkable.
Annual fee
₹499
Joining fee
₹499
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
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 & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛒 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
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- 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 on ₹4 lakh annual spend.
Pros
- + Strong 10% cashback at Patanjali stores
- + Fee waived on moderate annual spend
- + UPI-linkable RuPay card
Cons
- − Cashback is narrowly focused on one retailer
- − Cashback capped at ₹500/month
- − No lounge access