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

Patanjali RBL Bank Vishisht Credit Card

The Patanjali RBL Bank Vishisht Credit Card is an entry-level co-branded credit card designed for individuals who frequently purchase Ayurvedic products and shop at Patanjali stores. This card offers significant value with a low joining fee and provides welcome benefits upon first transaction, along with an annual fee reversal option. Cardholders can earn 10% cashback on spends at Patanjali stores, accrue Reward Points on both online and offline transactions, and enjoy various milestone benefits including a Patanjali voucher and a complimentary stay at a Patanjali wellness center. Additionally, it supports UPI linkages for easy online transactions and is compliant with the NCMC program for public transportation use.

Welcome Benefits

• Earn 2,000 Reward Points upon making a valid retail transaction within the first thirty days from the date of card issuance.
• The annual membership fee must be paid to avail of the welcome benefit.
• Reward Points will be credited to the cardholder’s account within sixty days from the date of card issuance.
• This welcome benefit can only be availed once in the lifetime of the card.

Fees

• Joining Fee: ₹499 + GST
• Renewal Fee: ₹499 + GST
• Spend-Based Waiver: The annual fee is waived on annual spends of ₹1.5 lakhs.
• Rewards Redemption Fee: ₹99 + GST
• Foreign Currency Markup: 3.5%
• Interest Rates: 3.99% per month or 47.88% per annum
• Fuel Surcharge: 1% fuel surcharge waiver up to ₹150 per month on transactions between ₹500 to ₹4,000.
• Cash Advance Charges: 2.5% of the cash amount or a minimum of ₹500.

Rewards

• Cashback on Patanjali Spends:
  • Earn 10% cashback on purchases made at Patanjali’s online and offline stores.
  • A minimum transaction of ₹500 is required to avail of the cashback.
  • The maximum cashback that can be earned in a month is capped.
  • Cashback is credited to the card account within 30 days of the transactions.
• General Spends: Earn 1 Reward Point for every ₹100 spent on offline and online transactions.
• Rewards Exclusions: Fuel, auto, utilities, insurance, railways, rental, education, wallets, government services, contracted services, miscellaneous, cash, and EMI conversion of retail transactions are excluded from the Rewards Program.
• Milestone Benefits:
  • Annual Fee Reversal: Eligible for annual fee reversal on spends of ₹1.5 lakh in one year.
  • Patanjali Gift Voucher: Receive a gift voucher worth ₹500 from Patanjali on making annual spends of ₹2.5 lakhs. To qualify, ₹12,000 should be spent directly on Patanjali stores or websites.
  • Complimentary Stay: Enjoy a 2 nights/3 days complimentary stay at Patanjali wellness centers on reaching annual spends of ₹4 lakhs. To qualify for this benefit, spending should include transactions at Patanjali stores, centers, apps, or websites.
• Fuel Surcharge Waiver: A 1% fuel surcharge waiver up to ₹150 every month is offered on transactions between ₹500 to ₹4,000.
• Other Benefits (Not Applicable):
  • Movie & Dining: N/A
  • Travel: N/A
  • Domestic Lounge Access: N/A
  • International Lounge Access: N/A
  • Golf: N/A
  • Insurance Benefits: N/A

Rewards Redemption Guide

• Reward Points earned can be redeemed on the RBL Rewards portal.
• Points can be redeemed for products, vouchers, flight tickets, hotel tickets, and much more.
• The value of 1 Reward Point is ₹0.25.
• A Rewards Redemption Fee of ₹99 + GST applies.

Card Review

The Patanjali RBL Bank Vishisht Credit Card is an excellent option for individuals who are regular shoppers at Patanjali stores. It stands out with its affordable joining and renewal fees, coupled with attractive welcome benefits and a generous 10% cashback on Patanjali purchases. Cardholders benefit from earning Reward Points on all other online and offline transactions, which can be redeemed for a variety of options. The card also features a spend-based annual fee waiver and valuable milestone benefits, including a Patanjali voucher and a complimentary stay at a wellness center. However, it lacks entertainment, dining, and travel perks, and carries high foreign exchange fees, which can be a drawback for international transactions. Overall, for those prioritizing rewards on Patanjali products and general shopping, this card offers decent value.

Pros

• This card has an affordable joining fee.
• Reward Points earned can be redeemed for vouchers, products, flight and hotel tickets, and much more.

Cons

• There are no entertainment and dining benefits, along with zero travel perks.
• This card has high forex fees, which are becoming a drawback for international transactions.

Important Product Details

• This card can be linked with UPI apps (e.g., Google Pay, PhonePe, Cred) for easy and fast online transactions.
• The annual fee waiver is available on annual spends of ₹1.5 lakhs.
• Receive a Patanjali voucher worth ₹500 on annual spends of ₹2.5 lakhs.
• Enjoy a 1% fuel surcharge waiver on fuel transactions.
• This card comes under the NCMC (National Common Mobility Card) program and can be effortlessly loaded and used for public transportation like metro, trains, and buses.

Other Details

• Best Suited For: Shopping
• Reward Type: Cashback