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Patanjali RBL Bank Swarn Credit Card VS Patanjali RBL Bank Vishisht Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both Patanjali RBL Bank Vishisht Credit Card and Patanjali RBL Bank Swarn Credit Card suit shopping-focused spenders, but they earn and cost differently. Patanjali RBL Bank Vishisht Credit Card costs ₹499 + GST and earns 10% cashback on Patanjali spends. Patanjali RBL Bank Swarn Credit Card costs ₹1,499 + GST and earns 10% cashback on Patanjali spends (up to ₹750/month); 1 Reward Point per ₹100 on other spends. Patanjali RBL Bank Vishisht Credit Card also brings 2,000 reward points welcome bonus, while Patanjali RBL Bank Swarn Credit Card counters with 4 complimentary domestic airport lounge accesses annually (once per quarter) on ₹50,000 spend/quarter. If shopping spending matters more, go with Patanjali RBL Bank Vishisht Credit Card; if travel is the priority, Patanjali RBL Bank Swarn Credit Card fits better.

Patanjali RBL Bank Swarn Credit Card
Patanjali RBL Bank Swarn Credit Card
Patanjali RBL Bank Vishisht Credit Card
Patanjali RBL Bank Vishisht Credit Card

Fees & Charges

Joining Fee₹1,499 + GST
Joining Fee₹499 + GST
Renewal Fee₹1,499 + GST
Renewal Fee₹499 + GST
Spend Based WaiverNot applicable.
Spend Based WaiverAnnual fee waiver on annual spends of ₹1.5 lakh.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5%.
Interest Rate (APR)3.99% per month or 47.88% per annum
Interest Rate (APR)3.99% per month or 47.88% per annum.

Rewards & Benefits

Welcome BonusEarn 6,000 Reward Points (worth ₹1,500) on first transaction of ₹1,000+ within 30 days.
Welcome Bonus2,000 reward points welcome bonus.
Rewards Rate10% cashback on Patanjali spends (up to ₹750/month); 1 Reward Point per ₹100 on other spends.
Rewards Rate10% cashback on Patanjali spends.
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST.

Travel & Lifestyle

Domestic Lounge Access4 complimentary domestic airport lounge accesses annually (once per quarter) on ₹50,000 spend/quarter.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsNCMC compatibility for public transport; 4 complimentary domestic lounge accesses annually.
Travel Benefits
Movie BenefitsBuy-One-Get-One (BOGO) offer on movie tickets via BookMyShow, up to ₹200, once monthly on weekends.
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver up to ₹200/month on transactions between ₹500-₹4,000.
Fuel Surcharge Waiver1% waiver up to ₹150/month on transactions ₹500-₹4,000.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of the Cash Amount or a Minimum of ₹500.
Cash Advance Charges2.5% of cash amount or minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Patanjali RBL Bank Swarn Credit Card

Patanjali RBL Bank Vishisht Credit Card

Who is it for?

The Patanjali RBL Bank Swarn Credit Card is a mid-range credit card designed for frequent Patanjali shoppers, offering a compelling 10% cashback on Patanjali spends. It provides a generous welcome bonus, complimentary domestic airport lounge access, and a buy-one-get-one movie ticket offer. With modern features like UPI linkage and NCMC compatibility, this card is a versatile option for daily transactions and travel, making it ideal for those seeking a feature-rich card focused on domestic use and entertainment.

Who is it for?

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.

Pros

Key benefits and features.

Generous 10% cashback on Patanjali purchases, both online and offline.

Valuable lifestyle benefits including domestic lounge access and BOGO movie tickets.

Significant milestone benefits for cardholders with higher annual spending.

Enhanced convenience through UPI linkage and NCMC compatibility for transport.

Pros

Key benefits and features.

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.

High foreign currency markup of 3.5% makes it less ideal for international travel.

Revised milestone criteria for newer cards significantly increase spend requirements.

Limited information available regarding insurance benefits and international lounge access.

Cons

Key drawbacks and limitations.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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