Patanjali RBL Bank Swarn Credit Card VS Patanjali RBL Bank Vishisht Credit Card VS PNB RuPay Platinum Patanjali Credit Card VS PNB RuPay Select Patanjali Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Patanjali RBL Bank Swarn Credit Card
Patanjali RBL Bank Vishisht Credit Card
PNB RuPay Platinum Patanjali Credit Card
PNB RuPay Select Patanjali Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Pros
Key benefits and features.
Enjoy a zero joining fee, making the PNB RuPay Platinum Patanjali Credit Card accessible.
Annual fee is easily waived by just one transaction per quarter, effectively making it free.
Earn a significant 2% cashback on all your purchases at Patanjali stores.
Benefit from 2 complimentary domestic airport lounge accesses every quarter.
Includes comprehensive insurance coverage for accidental death and personal disability.
Pros
Key benefits and features.
Attractive 2% cashback at Patanjali stores with a reasonable per-transaction cap for loyal shoppers.
Decent reward rate of 2 Reward Points per ₹150 spent across everyday retail categories.
Complimentary domestic lounge access and accidental death insurance add tangible mid-range value.
Straightforward annual fee waiver achievable with once-per-quarter card usage.
Credit limit range of ₹50,000 to ₹10 lakhs accommodates varied spending needs.
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.
Cons
Key drawbacks and limitations.
The general reward rate is quite low at 0.167% for non-Patanjali retail spends.
Cashback on Patanjali transactions is capped at a relatively low ₹50 per transaction.
The redemption value of reward points is conservative at just ₹0.25 per point.
Lacks international airport lounge access, limiting its global travel utility.
Does not offer reward points on fuel, jewelry purchases, or cash withdrawals.
Cons
Key drawbacks and limitations.
Fuel transactions do not earn Reward Points, reducing returns on a key everyday spend category.
International lounge and golf benefits are unavailable, limiting premium travel privileges.
Joining and annual fees apply despite the waiver, adding cost if quarterly usage lapses.