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 Cashback & Reward Points as its primary reward mechanism, with a rewards rate of 10% cashback on Patanjali spends..
Key Card Details
₹499 + GST
₹499 + GST
Cashback & Reward Points
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
Cashback & Reward Points
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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