RBL BankPatanjali RBL Bank Vishisht Credit Card – Benefits, Fees & Eligibility
Is the Patanjali RBL Bank Vishisht Credit Card Right for You?
The Patanjali RBL Bank Vishisht Credit Card is best suited for users who prioritize Shopping. With a joining fee of ₹499 + GST and a renewal fee of ₹499 + GST, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Reward Points & Cashback as its primary reward mechanism, with a rewards rate of 10% cashback on Patanjali spends..
Key Card Details
₹499 + GST
₹499 + GST
Reward Points & Cashback
3.5%.
Notable Perks
Spend-Based Waiver
Annual fee waiver on annual spends of ₹1.5 lakh.
Things to Consider
Rewards are heavily concentrated on Patanjali spends, offering less value for other categories.
The card does not provide any complimentary domestic or international airport lounge access benefits.
A 3.5% foreign currency markup applies, making international transactions less economical.
Benefits & Features
Welcome Offer
2,000 reward points welcome bonus.
Rewards Rate
10% cashback on Patanjali spends.
Reward Type
Reward Points & Cashback
Fees & Charges
Joining Fee
₹499 + GST
Renewal Fee
₹499 + GST
Spend-Based Waiver
Annual fee waiver on annual spends of ₹1.5 lakh.
Foreign Currency Markup
3.5%.
Interest Rates
3.99% per month or 47.88% per annum.
Fuel Surcharge Waiver
1% waiver up to ₹150/month on transactions ₹500-₹4,000.
Cash Advance Charges
2.5% of cash amount or minimum ₹500.
Rewards Redemption Fee
₹99 + GST.
Pros & Cons
Pros
Key benefits and features of this card.
Enjoy a substantial 10% cashback on all your purchases made at Patanjali stores, maximizing savings.
Get a head start with 2,000 reward points as a welcome benefit upon joining the card.
Easily waive your annual fee by spending just ₹1.5 lakh annually, making it cost-effective.
Benefit from the wide acceptance and convenience of the RuPay payment network across India.
Cons
Key drawbacks and limitations of this card.
Rewards are heavily concentrated on Patanjali spends, offering less value for other categories.
The card does not provide any complimentary domestic or international airport lounge access benefits.
A 3.5% foreign currency markup applies, making international transactions less economical.
A fee of ₹99 + GST is charged for redeeming reward points, reducing overall value.
Product Details
Co-branded card with Patanjali, issued on the RuPay network.
Tailored for individuals who frequently shop at Patanjali stores.
Earn a significant 10% cashback on all Patanjali purchases.
Receive a welcome bonus of 2,000 reward points upon card activation.
Benefit from an annual fee waiver on achieving ₹1.5 lakh annual spend.
Benefits & Features
Welcome Offer
2,000 reward points welcome bonus.
Rewards Rate
10% cashback on Patanjali spends.
Reward Type
Reward Points & Cashback
What matters, explained clearly
1. Introduction
The RBL Bank Patanjali Vishisht Credit Card, issued by RBL Bank on the RuPay network, is a co-branded shopping card designed for individuals who frequently purchase from Patanjali stores. It offers a compelling 10% cashback on Patanjali spends, a welcome bonus of 2,000 reward points, and an annual fee waiver on achieving a reasonable spend threshold. This card is ideal for loyal Patanjali customers seeking dedicated rewards and benefits for their purchases.
2. Fees & Waiver Math
Fees
- Joining Fee: ₹499 + 18% GST = ₹588.82 (Derived)
- Annual Fee: ₹499 + 18% GST = ₹588.82 (Derived)
Waiver Logic
- Annual Fee Waiver: On annual spends of ₹1.5 lakh (Explicit)
Charges
- Interest Rate: 3.99% per month (Explicit) or 47.88% per annum (Derived)
- Foreign Currency Markup: 3.5% (Explicit)
- Cash Advance Fee: 2.5% of the cash amount or a minimum of ₹500 (Explicit)
- Fuel Surcharge: 1% surcharge waiver up to ₹150 per month, on individual transactions between ₹500 to ₹4,000 (Explicit)
- Reward Redemption Fee: ₹99 + GST (Explicit)
Late Payment Charges
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3. Rewards & Milestone Matrix
Reward Earning Structure
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