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Patanjali RBL Bank Swarn Credit Card VS Patanjali RBL Bank Vishisht Credit Card VS RBL Bank Apex Credit Card VS RBL Bank Aspire Banking Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026
Patanjali RBL Bank Swarn Credit Card
Patanjali RBL Bank Swarn Credit Card
Patanjali RBL Bank Vishisht Credit Card
Patanjali RBL Bank Vishisht Credit Card
RBL Bank Apex Credit Card
RBL Bank Apex Credit Card
RBL Bank Aspire Banking Credit Card
RBL Bank Aspire Banking Credit Card

Fees & Charges

Joining Fee₹1,499 + GST
Joining Fee₹499 + GST
Joining Fee₹1,000 + GST
Joining Fee₹1,500 + GST
Renewal Fee₹1,499 + GST
Renewal Fee₹499 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹1,500 + GST
Spend Based WaiverNot applicable.
Spend Based WaiverAnnual fee waiver on annual spends of ₹1.5 lakh.
Spend Based Waiver
Spend Based WaiverAnnual fee waived off for Aspire Banking customers, making the card lifetime free.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5%.
Foreign Transaction Fees
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.
Interest Rate (APR)
Interest Rate (APR)Up to 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.
Welcome BonusWelcome Vouchers worth over INR 1,700 on first transaction and membership fee payment.
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.
Rewards RateEarn unlimited 2% cashback on travel/shopping via RBL portal; 1% on other spends (capped at ₹500/month).
Rewards RateUnlimited 3% cashback on RBL Rewards Portal (Flights, Hotels, Shopping); 1% on other spends (capped ₹1,000).
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward TypeCashback
Reward TypeCashback
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST.
Reward Redemption FeeINR 99 + GST per cashback redemption.
Reward Redemption FeeNot applicable on cashback redemption. ₹99 + GST for other reward types.

Travel & Lifestyle

Domestic Lounge Access4 complimentary domestic airport lounge accesses annually (once per quarter) on ₹50,000 spend/quarter.
Domestic Lounge Access
Domestic Lounge Access1 complimentary domestic lounge visit per quarter on spending ₹35,000 in the prior quarter.
Domestic Lounge Access1 complimentary domestic lounge visit per calendar quarter on spending ₹35,000 in previous quarter.
International Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsNCMC compatibility for public transport; 4 complimentary domestic lounge accesses annually.
Travel Benefits
Travel BenefitsEnjoy 2% cashback on flights & hotels via RBL portal and complimentary domestic lounge access.
Travel BenefitsUnlimited 3% cashback on Flights & Hotels via RBL Bank Rewards Portal.
Movie BenefitsBuy-One-Get-One (BOGO) offer on movie tickets via BookMyShow, up to ₹200, once monthly on weekends.
Movie Benefits
Movie BenefitsBuy 1 Get 1 Free movie ticket on BookMyShow monthly, capped at INR 100.
Movie BenefitsBuy 1 Get 1 Free movie ticket on BookMyShow monthly, capped at ₹150.
Dining Benefits
Dining Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf 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.
Fuel Surcharge Waiver
Fuel Surcharge Waiver1% Fuel Surcharge Waiver

Security & Other

Insurance Benefits
Insurance Benefits
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.
Cash Advance Charges
Cash Advance Charges2.5% (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

RBL Bank Apex Credit Card

RBL Bank Aspire Banking 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.

Who is it for?

The RBL Bank Apex Credit Card is a mid-range offering designed for transparent and seamless cashback. It provides up to 2% unlimited cashback on specific RBL portal categories and 1% on others, alongside welcome vouchers worth over ₹1,700. Cardholders also enjoy up to ₹3,000 in annual milestone cashback, complimentary domestic lounge access, and a monthly 'Buy 1 Get 1 Free' movie offer, making it ideal for everyday spending and entertainment.

Who is it for?

The RBL Bank Aspire Banking Credit Card is an exclusive offering for Aspire Banking customers, designed to maximize cashback on everyday spending. It provides unlimited 3% cashback on specific portal spends and 1% on other transactions, along with attractive milestone benefits for high spenders. Cardholders also enjoy lifestyle perks like complimentary domestic lounge access and Buy 1 Get 1 Free movie tickets. Being lifetime free for Aspire Banking customers, it's an ideal choice for those seeking a rewarding and value-driven credit card.

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 unlimited 2% cashback on travel and shopping via the RBL Bank Rewards Portal.

Earn significant milestone benefits, receiving up to ₹3,000 cashback annually.

Benefit from complimentary domestic airport lounge access each quarter.

Get a "Buy 1 Get 1 Free" movie ticket offer on BookMyShow every month.

Receive valuable welcome vouchers worth over ₹1,700 upon card activation.

Pros

Key benefits and features.

Can be availed as lifetime free for those with an Aspire Banking relationship.

Offers unlimited 3% cashback on purchases made via the RBL Bank Rewards Portal.

Provides additional cashback of up to ₹4,500 through milestone benefits for high annual spends.

Includes complimentary domestic airport lounge access and a Buy One Get One Free movie ticket offer.

Cashback is directly credited to the RBL Bank Savings Account.

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.

An annual membership fee of ₹1,000 is applicable, adding to the cost.

A redemption fee of ₹99 + GST applies when redeeming your earned cashback.

The 1% cashback on general spends is capped at ₹500 per billing month.

Domestic lounge access is conditional on a minimum spend of ₹35,000 quarterly.

Many categories like Fuel, Utilities, and Insurance are excluded from all benefits.

Cons

Key drawbacks and limitations.

The 1% base cashback is capped at ₹1,000 monthly, potentially limiting high spenders.

Cashback, milestone, and lounge benefits have exclusions on specific transaction categories.

This card is exclusively available for RBL Bank Aspire Banking customers, limiting its accessibility.

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.
Apply for Patanjali RBL Bank Swarn Credit Card(opens in new tab)Apply for Patanjali RBL Bank Vishisht Credit Card(opens in new tab)Apply for RBL Bank Apex Credit Card(opens in new tab)Apply for RBL Bank Aspire Banking Credit Card(opens in new tab)