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Patanjali RBL Bank Vishisht Credit Card

RBL Bank and Patanjali have launched two co-branded credit cards to comfort their loyal customers. The entry-level card is the Patanjali RBL Bank Vishisht Credit Card, and the premium one is the Patanjali RBL Bank Swarn Credit Card. These cards have been introduced for people who are fond of Ayurvedic products and feel they are way better than chemical products sold in the market.

This card is a great addition to the wallets of people who regularly purchase from Patanjali, as the joining fee is relatively low at ₹499 plus taxes as compared to other cards. Cashback of 10% up to ₹500 is also offered with this card, along with 1 Reward Point on transactions made online and offline. Milestone benefit includes a spend-based waiver, a Patanjali voucher worth ₹500 on spending ₹2.5 lakhs annually, along with a three-day stay at Patanjali wellness center on spending ₹4 lakhs. Welcome benefits are also included, where users earn Reward Points on making the transaction within the first thirty days of card issuance.

This card can be linked with your UPI apps, making online transactions easy and fast without any worry. Also, since this card comes under the NCMC program, you can effortlessly load it and use it for public transportation like metro, trains, buses, etc. To learn more details about the features related to this card, continue reading.

Patanjali RBL Bank Vishisht Credit Card

( 4.4 / 5 )
Patanjali RBL Bank Vishisht Credit Card
  • Joining Fee₹499 + GST
  • Annual Fee₹499 + GST
  • Best Suited ForShopping
  • Reward TypeCashback

Rewards Rate

10% cashback up to ₹500 on purchases made at Patanjali stores; 1 RP for every ₹100 spent on offline and online transactions

Welcome Benefits

Earn 2,000 Reward Points within 30 days of card issuance

Movie & Dining

N/A

Rewards Rate

10% cashback up to ₹500 on purchases made at Patanjali stores; 1 RP for every ₹100 spent on offline and online transactions

Reward Redemption

RP earned can be redeemed on the RBL Rewards portal

Travel

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    Annual fee is waived for spending of ₹1.5 lakhs

    Rewards Redemption Fee

    ₹99 + GST

    Foreign Currency Markup

    3.5%

    Interest Rates

    3.99% per month or 47.88% per annum

    Fuel Surcharge Waiver

    1% fuel surcharge waiver up to ₹150 on transactions between ₹500 to ₹4,000

    Cash Advance Charges

    2.5% of the cash amount or a minimum of ₹500

    • This card can be linked with UPI apps.
    • The annual fee waiver of this card is ₹1.5 lakhs.
    • Patanjali voucher worth ₹500 on annual spends of ₹2.5 lakhs.
    • 1% fuel surcharge waiver on fuel transactions.
    • This card comes under the NCMC program and can be easily loaded.

    Pros

    • This card has an affordable joining fee.
    • Reward Points earned can be redeemed for vouchers, products, flight and hotel tickets, and much more.

    Cons

    • There are no entertainment and dining benefits, along with zero travel perks.
    • This card has high forex fees, which are becoming a drawback for international transactions.

  • Joining Benefits

    The Patanjali RBL Bank Vishisht Credit Card offers a welcome benefit of 2,000 Reward Points to cardholders upon making a valid retail transaction within the first thirty days from the date of card issuance and paying the annual membership fees. Once the transaction is made and the annual fees are paid, the reward points will be credited to the cardholder’s account within sixty days from the date of card issuance. This welcome benefit can only be availed once in the lifetime of the card upon payment of the annual membership fee.

    Rewards Program

    Patanjali RBL Bank Vishisht Credit Card offers a monthly benefit of 10% cashback on purchases made at Patanjali’s online and offline stores. Cardmembers can enjoy a cashback of 10% of the total value of their orders, with a minimum transaction of ₹500. The maximum cashback that can be earned in a month is capped, and the cashback is credited to the card accounts within 30 days of the transactions.

    Users also earn 1 Reward Point for every ₹100 spent on purchases made at online and offline stores. All the Reward Points earned can be redeemed for products, vouchers, and much more at RBL Rewards. The value of 1 Reward Point = ₹0.25.

    Please remember that fuel, auto, utilities, insurance, railways, rental, education, wallets, government services, contracted services, miscellaneous, cash, and EMI conversion of retail transactions are excluded from the Rewards Program.

    Milestone Benefits

    As a card member of the Patanjali RBL Bank Vishisht Credit Card, you can enjoy several milestone benefits. You are eligible for an annual fee reversal on spends of ₹1.5 lakh in one year. Upon making a spend of ₹2.5 lakh in one year, you can receive a gift voucher worth ₹500 from Patanjali, where ₹12,000 should be spent directly on Patanjali stores or websites. On reaching spends of ₹4 lakh in one year, you can enjoy a 2 nights/3 days complimentary stay at Patanjali wellness centers. One should be aware that to avail of these benefits, the spending should include transactions at Patanjali stores, centers, apps, or websites to qualify for these milestone benefits.

    Fuel Surcharge Waiver

    The Patanjali RBL Bank Vishisht Credit Card offers a 1% fuel surcharge waiver of up to ₹150 every month on transactions between ₹500 to ₹4,000.

    Patanjali RBL Bank Vishisht Credit Card Review

    The Patanjali RBL Bank Vishisht Credit Card is a solid choice for frequent shoppers at Patanjali stores. With a low joining fee and renewal fee, it offers welcome benefits and cashback on purchases made at Patanjali stores. Cardholders earn Reward Points for every ₹100 spent on both online and offline transactions, which can be redeemed for products and vouchers. The card also provides a spend-based waiver and additional benefits like a Patanjali voucher and fuel surcharge waiver. This card lacks entertainment, dining, and travel perks and has high forex fees for international transactions. If you’re a regular Patanjali shopper and are looking for a credit card with decent rewards and benefits, the Patanjali RBL Bank Vishisht Credit Card could be a good fit for you.

    FAQs:

    No, the card does not offer movie and dining benefits.

    Yes, the card can be linked to UPI apps like Google Pay. Phone Pe, Cred, etc., for easy online transactions.

    Yes, the card can be easily loaded and used for public transportation under the NCMC program.

    Yes, there is a Rewards Redemption Fee of ₹99 plus taxes for redeeming the Reward Points.

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