Patanjali RBL Bank Swarn Credit Card

One of the most trusted brands in India, known for its organic products, Patanjali, has collaborated with RBL Bank to launch two credit cards that will benefit their loyal customers. The Patanjali RBL Swarn Credit Card is the superior version of both cards, with the other one being the Patanjali RBL Bank Vishisht Credit Card. Very few banks have collaborated with an Ayurveda company for the benefit of their customers. Having a joining fee of ₹1,499 plus taxes, this card is a great addition for a person who frequently purchases from the Pantajali store.

Users get a 10% cashback up to ₹750 every month on transactions of ₹500 or above, along with 1 Reward Point for every ₹100 spent on offline or online transactions. So if you receive a cashback of ₹750 in one month, then annually you will earn ₹9,000 by making purchases with the Swarn card.  This card also includes 6,000 Reward Points as a welcome benefit on the first transaction worth ₹1,000 or more within 30 days of card issuance.

The rewards don’t end there. Cardholders can redeem their accumulated Reward Points at the RBL Rewards portal for a variety of options, including vouchers, products, and even hotel and flight bookings. Users also receive milestone benefits, airport lounge access, and the buy-one-get-one offer on movie tickets through BookMyShow. Another advantage of this card is since it is a RuPay credit card, users can easily link it with their UPI apps and make their daily-basis transactions without any worry. Since this card comes under the NCMC program, users can easily use it in public transportation, by loading it with ease. For such a nominal fee, this card is filled with privileges.

Let’s review all the benefits and perks of this card in detail for a better understanding before applying for this card.

Product Details

• Patanjali RBL Swarn Credit Card can be linked on UPI
• 10% cashback on Patanjali stores both online and offline on a minimum purchase of ₹500.
• BOGO offers on movie tickets up to ₹200 via BookMyShow once every month only on the weekends.
• 1,500 Patanjali vouchers on annual spends of ₹3 lakhs in the previous year, with ₹12,000 spent on Patanjali website or at stores.
• Complimentary domestic airport lounge access once every quarter on spending ₹50,000 in the previous quarter.

Joining Benefits

Upon joining, Patanjali RBL Bank Swarn Credit Card holders are eligible for a welcome benefit of 6,000 Reward Points worth ₹1,500 upon making a transaction worth ₹1,000 within 30 days of card issuance and paying the annual membership fees. The welcome benefit is credited to the member’s account within 60 days of card issuance upon meeting the transaction and fee payment criteria. If you have noticed, the welcome benefits are worth the joining fee. This means that the amount you spend to join the card is returned to you in the form of Reward Points.

Rewards Program

With the Patanjali RBL Swarn credit card, you can get cashback offers in various categories, such as groceries, fuel, and more. The card provides a cashback of 10% up to ₹750 every month on a minimum transaction of ₹500 at Patanjali stores online and offline.

Swarn cardholders will earn 1 Reward Point for every ₹100 spent on online and offline transactions. All the Reward Points earned can be redeemed for products, vouchers, and much more at RBL Rewards.

Value of 1 Reward Point = ₹0.25

Railways, utilities, wallets, rentals, insurance, education, government transactions, EMI, and cash are excluded from the rewards program, which means no Reward Points will be earned on making purchases on these items.

Milestone Benefits

Patanjali RBL Bank Swarn Credit Cardholders can enjoy milestone benefits. On spending ₹3 lakhs in a year, users get a gift voucher worth ₹1,500 from Patanjali. To qualify, your spending should include transactions of at least ₹12,000 at Patanjali stores or websites.

If you spend ₹5 lakh in a year, you are eligible for a 4 nights/5 days complimentary stay at Patanjali wellness centers. To avail of this benefit, your spending should include transactions of at least ₹15,000 at Patanjali stores or website. The yearly cycle is considered from the date of card issuance to card renewal. UPI transactions less than ₹2,000 are not eligible for milestone benefits.

Airport Lounge Access

With the Patanjali RBL Swarn Credit Card, you get one complimentary domestic lounge visit per quarter at selected airport lounges in India. To be eligible, you need to spend ₹50,000 in the previous calendar quarter. Access to the lounge is available at select airports and is on a first-come-first-serve basis.

Buy-One-Get-One on BookMyShow

Patanjali RBL Swarn Credit Cardholders can enjoy a buy-one-get-one-free offer on movie ticket bookings through BookMyShow. When booking one movie ticket, cardholders will receive the second for free or a discount of up to ₹200. Users can avail themselves of this offer once every month, and it is only available on the weekends.

Pantajali RBL Bank Swarn Credit Card Review

The Patanjali RBL Swarn Credit Card offers great benefits for frequent shoppers at Patanjali stores. With a reasonable joining fee, cardholders can enjoy 10% cashback on Patanjali purchases, along with various rewards and welcome benefits. The card also provides airport lounge access and one-plus-one offers on movie tickets. For people who regularly shop at Patanjali and are looking for a credit card that offers rewards and perks at a lower price, the Patanjali RBL Swarn Credit Card is definitely worth considering.