RBL Bank Patanjali Vishisht Credit Card
RBL Bank
₹499
Joining fee
₹499, waived at ₹1.5L spend
Annual fee
Waived on spends of Rs 1.5 lakh in the preceding year.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Lounge access
0 domestic / 0 international visits per year
Reward details
1 reward point per Rs 100 spent across all categories
- 10% cashback on purchases of Rs 500+ on Patanjali online/offline purchases — Rs 500/month
Welcome bonus: 2,000 reward points on first spend of Rs 500+ within 30 days
- Rs 2.5 lakh annual spend (min Rs 12,000 Patanjali spend): Rs 500 Patanjali voucher
- Rs 4 lakh annual spend (min Rs 15,000 Patanjali spend): 3D/2N Patanjali Wellness Centre stay
Redemption
RBL Rewards Catalogue
Excluded from rewards: fuel, auto, railways, insurance, utilities, education, rental, real estate, government services, cash/quasi-cash, wallets, service providers, contracted services, EMIs, Bills2Pay, offline UPI under Rs 2,000, miscellaneous
- Fuel surcharge waiver 1%, capped Rs 150-200/month (official states Rs150, aggregator states Rs200)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Good co-branded savings via 10% Patanjali cashback; low annual fee with early offset via welcome bonus; low Rs 1.5 lakh spend threshold for fee waiver — Paisabazaar
Complaints
- Cap on Patanjali cashback savings; low reward point earn rate on all spends; limited value on non-Patanjali purchases; best suited only for Patanjali brand loyalists needing a secondary card — Paisabazaar
Sources
- Official — fees, rewards
- Aggregator — fees, lounge, rewards, sentiment