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PNB RuPay Platinum Patanjali 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: 3 May 2026
PNB RuPay Platinum Patanjali Credit Card
PNB RuPay Platinum Patanjali Credit Card
Patanjali RBL Bank Vishisht Credit Card
Patanjali RBL Bank Vishisht Credit Card

Fees & Charges

Joining FeeFree (1st year)
Joining Fee₹499 + GST
Renewal Fee₹590 + GST
Renewal Fee₹499 + GST
Spend Based WaiverAnnual fee waived if card is used at least once per quarter in the previous anniversary year.
Spend Based WaiverAnnual fee waiver on annual spends of ₹1.5 lakh.
Foreign Transaction Fees3.5% on all foreign currency transactions.
Foreign Transaction Fees3.5%.
Interest Rate (APR)2.95% per month (35.4% APR).
Interest Rate (APR)3.99% per month or 47.88% per annum.

Rewards & Benefits

Welcome Bonus300 Reward Points on first retail transaction within 90 days of card issuance.
Welcome Bonus2,000 reward points welcome bonus.
Rewards Rate2% cashback on Patanjali spends; 1 Reward Point per ₹150 on other retail purchases.
Rewards Rate10% cashback on Patanjali spends.
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST.

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic lounge access every quarter (8 per year).
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Movie Benefits
Movie Benefits
Dining BenefitsExciting discount and cashback offers at several participating restaurants across the country.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions between ₹500-₹3,000, capped at ₹250 per billing cycle.
Fuel Surcharge Waiver1% waiver up to ₹150/month on transactions ₹500-₹4,000.

Security & Other

Insurance BenefitsComprehensive insurance coverage, including accidental death and personal disability cover worth ₹2 lakhs.
Insurance Benefits
Cash Advance Charges2% of withdrawn amount (min ₹100-₹150 domestic, ₹250 overseas).
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.

PNB RuPay Platinum Patanjali Credit Card

Patanjali RBL Bank Vishisht Credit Card

Who is it for?

The PNB RuPay Platinum Patanjali Credit Card is a value-driven offering designed for frequent Patanjali shoppers and those seeking basic travel perks. It features a zero joining fee and an easily waivable annual fee, making it highly accessible. Cardholders enjoy 2% cashback on Patanjali purchases and complimentary domestic airport lounge access. This card is ideal for budget-conscious consumers who can meet the quarterly usage condition and benefit from its specific shopping and travel rewards.

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.

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.

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.

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.

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.
Apply for PNB RuPay Platinum Patanjali Credit Card(opens in new tab)Apply for Patanjali RBL Bank Vishisht Credit Card(opens in new tab)