Patanjali RBL Bank Swarn Credit Card – Benefits, Fees & Eligibility

Introduction

The Patanjali RBL Bank Swarn Credit Card, issued by RBL Bank in collaboration with Patanjali, is positioned as a mid-range credit card ideal for frequent Patanjali shoppers. This card offers a compelling 10% cashback on Patanjali spends, a generous welcome bonus of 6,000 Reward Points, complimentary domestic airport lounge access, and a buy-one-get-one offer on movie tickets. Additionally, it provides modern conveniences such as UPI linkage and compatibility with the National Common Mobility Card (NCMC) program, making it a versatile option for daily transactions and travel.

Welcome Benefits

• Earn 6,000 Reward Points as a welcome benefit on making the first transaction worth ₹1,000 or more within 30 days from card issuance.
• The welcome benefit is credited to the member’s account within 60 days of card issuance upon meeting the transaction and annual membership fee payment criteria.
• These 6,000 Reward Points are equivalent to ₹1,500, effectively offsetting the joining fee.

Fees

• Joining Fee: ₹1,499 + GST
• Annual Fee: ₹1,499 + GST
• Spend-Based Waiver: Not applicable.
• Rewards Redemption Fee: ₹99 + GST
• Foreign Currency Markup: 3.5%
• Interest Rates: 3.99% per month or 47.88% per annum
• Fuel Surcharge Waiver: 1% fuel surcharge waiver up to ₹200 per month, on individual transactions between ₹500 to ₹4,000.
• Cash Advance Charges: 2.5% of the Cash Amount or a Minimum of ₹500.
• Add-on Card Fee: There is no add-on card fee for the Patanjali RBL Bank Swarn Credit Card.

Rewards

• Cashback

  • Get 10% cashback up to ₹750 every month on transactions of ₹500 or more at Patanjali stores (online and offline).

• Reward Points

  • Earn 1 Reward Point for every ₹100 spent on online and offline transactions.
  • Excluded Categories for Reward Points: Reward points are not accrued on Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Miscellaneous, Cash, Bills2Pay, and EMI conversion of retail transactions (Split-N-Pay, & EMI conversion requests placed at the time of making transactions at POS/Web/Mobile App).
  • No Reward Points will be issued for less than ₹2,000 Offline UPI transactions.

• Milestone Benefits

  • Current Annual Milestone Criteria:
    • ₹1,500 Patanjali Voucher on total eligible annual spends of ₹3 lakhs, including minimum spends of ₹12,000 at Patanjali stores/website.
    • 4 nights/5 days complimentary stay at a Patanjali wellness center on total eligible annual spends of ₹5 lakhs, including minimum spends of ₹15,000 at Patanjali stores/website.
  • Revised Annual Milestone Criteria (effective May 10, 2026, for cards issued on or after this date):
    • ₹1,500 Patanjali Voucher: Total eligible annual spends of ₹9 lakhs, including minimum spends of ₹1.5 lakhs at Patanjali stores/website.
    • 4 Nights / 5 Days stay at a Patanjali Wellness Centre: Total eligible annual spends of ₹12 lakhs, including minimum spends of ₹2.5 lakhs at Patanjali stores/website.
  • Cards issued on or before May 09, 2026, will continue to benefit from the earlier milestone criteria until their next anniversary year.
  • UPI transactions of less than ₹2,000 are excluded from accrual towards annual milestone spends.
  • Excluded Categories for Milestone Spends: Annual spends for Milestone rewards will not include purchases/spends for Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous & Bills2Pay and EMI conversion of retail transactions, fees, charges & GST.

• Travel Benefits

  • Domestic Airport Lounge Access: Get 4 complimentary domestic airport lounge accesses annually (once per quarter).
  • To be eligible for lounge access, you should have spent ₹50,000 on the Patanjali credit card in the previous calendar quarter.

• Movie & Dining

  • Enjoy a Buy-One-Get-One (BOGO) offer on movie tickets via BookMyShow, providing a discount of up to ₹200 on the second ticket. This offer can be availed once every month, specifically on weekends.

• Other Features

  • UPI Linkage: The Patanjali RBL Bank Swarn Credit Card can be linked with select UPI apps (GPay, PhonePe, Mobikwik, PayTM, BHIM, Slice) for convenient daily transactions.
  • National Common Mobility Card (NCMC): The RuPay Contactless card is in line with the specifications of the National Common Mobility Card (NCMC) Program, allowing it to be used across public transportation systems in the country such as metros, buses, and cabs.

Rewards Redemption Guide

• Accumulated Reward Points can be redeemed at the RBL Rewards portal for a variety of options, including vouchers, products, and even hotel and flight bookings.
• The value of 1 Reward Point is ₹0.25.

Card Review

• Pros:
  • Offers generous rewards, including a 10% cashback, on Patanjali purchases (both online and offline).
  • Provides valuable lifestyle benefits such as complimentary domestic airport lounge access and Buy-One-Get-One offers on movie tickets.
  • Includes significant milestone benefits for cardholders with higher annual spending.
  • Enhanced convenience through UPI linkage and NCMC compatibility.
• Cons:
  • Limited information is available regarding insurance benefits and international lounge access.
  • A foreign currency markup of 3.5% may be a disadvantage for international travelers.
  • The revised milestone criteria, effective for newer cards, significantly increase the spend requirements for availing benefits.
• Overall Verdict: The Patanjali RBL Bank Swarn Credit Card is an excellent choice for individuals who are loyal Patanjali customers and frequently make purchases from their stores. With a reasonable annual fee, it delivers substantial cashback, reward points, and lifestyle perks, making it a valuable card for those seeking a feature-rich credit card at a lower price point, especially for domestic use and entertainment.

Important Product Details

• The Patanjali RBL Bank Swarn Credit Card is a RuPay credit card.
• It can be linked with UPI apps for seamless daily transactions.
• The card is compatible with the National Common Mobility Card (NCMC) program for public transport use.
• Cardholders receive 10% cashback on Patanjali stores (online and offline) on a minimum purchase of ₹500, with a monthly cap of ₹750.
• A Buy-One-Get-One offer on movie tickets up to ₹200 via BookMyShow is available once every month, exclusively on weekends.
• It provides 4 complimentary domestic airport lounge accesses annually, contingent on spending ₹50,000 in the previous calendar quarter.
• Milestone benefits include Patanjali vouchers and wellness center stays, with revised spend criteria applicable for cards issued on or after May 10, 2026.
• Welcome benefits are credited only after the annual membership fee has been paid.

Other Details

• There is a revenue sharing arrangement between RBL Bank and Patanjali for this credit card.
• For detailed Terms and Conditions, Most Important Terms and Conditions (MITC), and the Cardmember Agreement, refer to the official RBL Bank website.
• For grievance redressal, cardholders can write to cardservices@rbl.bank.in or contact the designated nodal officer.
• Information regarding the roles and responsibilities of the co-brand partner is available.
• The RBI Sachet Portal link is provided for consumer awareness and grievance submission.