Welcome benefits: Users will earn 6,000 reward points on spending Rs. 1000 or more within 30 days of card issuance.
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RBL Bank Patanjali Swarn RuPay Card
Rewards & Benefits
Welcome Benefits
Welcome benefits: Users will earn 6,000 reward points on spending Rs. 1000 or more within 30 days of card issuance.
Milestone Benefits
Reward System: Users will earn 1 reward point for every Rs. 100 spent on online and offline stores. The value of 1 reward point is Rs. 0.25. So the effective cashback rate is 0.25%. Users will get 10% cashback at Patanjaliconline and offline stores on transactions of INR 500 or more, maximum monthly cashback can be up to Rs. 750.
Cashback Rate
Reward System: Users will earn 1 reward point for every Rs. 100 spent on online and offline stores. The value of 1 reward point is Rs. 0.25. So the effective cashback rate is 0.25%. Users will get 10% cashback at Patanjaliconline and offline stores on transactions of INR 500 or more, maximum monthly cashback can be up to Rs. 750.
Movie Benefits
Users can avail 1+1 offer up to Rs.200 on movie tickets at Bookmyshow on weekends/ once per month.
Dining Benefits
None.
Other Benefits
Users can link their credit card to UPI and make payments but only on RuPay versions of the credit card.
Lounge Access
Users will get 4 complimentary access per annum to select airport lounges in India. You need to spend Rs. 50,000 in the preceding calendar quarter to unlock complimentary access for the subsequent calendar quarter.
Rewards & Benefits
Welcome Benefits
Welcome benefits: Users will earn 6,000 reward points on spending Rs. 1000 or more within 30 days of card issuance.
Milestone Benefits
Reward System: Users will earn 1 reward point for every Rs. 100 spent on online and offline stores. The value of 1 reward point is Rs. 0.25. So the effective cashback rate is 0.25%. Users will get 10% cashback at Patanjaliconline and offline stores on transactions of INR 500 or more, maximum monthly cashback can be up to Rs. 750.
Cashback Rate
Reward System: Users will earn 1 reward point for every Rs. 100 spent on online and offline stores. The value of 1 reward point is Rs. 0.25. So the effective cashback rate is 0.25%. Users will get 10% cashback at Patanjaliconline and offline stores on transactions of INR 500 or more, maximum monthly cashback can be up to Rs. 750.
Movie Benefits
Users can avail 1+1 offer up to Rs.200 on movie tickets at Bookmyshow on weekends/ once per month.
Dining Benefits
None.
Other Benefits
Users can link their credit card to UPI and make payments but only on RuPay versions of the credit card.
Lounge Access
Users will get 4 complimentary access per annum to select airport lounges in India. You need to spend Rs. 50,000 in the preceding calendar quarter to unlock complimentary access for the subsequent calendar quarter.
Fees & Charges
Joining Fee
INR 1,499
Annual Fee
INR 1,499
Cash Advance Fee
2.5% of the cash amount withdrawn (minimum Rs 500)
Interest rate
upto 3.99% p.m (upto 47.88% p.a)
Late Payment Fee
15% of Total amount due (Min Rs.50, Max Rs.1,500).
Foreign Currency Transactions Fee
3.5%
Other Fees
Fees & Charges
Joining Fee
INR 1,499
Annual Fee
INR 1,499
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
upto 3.99% p.m (upto 47.88% p.a)
Late Payment Fee
15% of Total amount due (Min Rs.50, Max Rs.1,500).
Foreign Currency Transactions Fee
3.5%
Other Fees
Special Features
10% cashback at Patanjali stores.
Eligibility Criteria
Citizenship: Resident of India.
Age: Between 21 and 60 years old (though some sources say 18+).
Income: Have a regular source of income.
Credit Score: While not explicitly stated, a good CIBIL score was likely needed for approval.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Here are the steps on how to apply for the RBL Bank Patanjali Swarn Card:
Go to the RBL Bank website and click on the "Apply for Credit Card" tab.
Select the "RBL Bank Patanjali Swarn Card" from the list of credit cards.
Enter your personal details, such as your name, date of birth, email address, and mobile number.
Enter your employment details, such as your employer's name, your designation, and your monthly income.
Provide your residential address and your PAN card number.
Upload a scanned copy of your PAN card.
Click on the "Submit" button.
An RBL Bank representative will contact you to verify your details and to complete the application process.
Contact Details
RBL Bank Credit Card Helpline
+91 22 6232 7777
Email: cardservices@rblbank.com
Account Opening and Procedure
The card comes with decent value add features. However, the card offers low cashback rate.
The card comes with decent value add features. However, the card offers low cashback rate.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai