In-depth review
RBL Bank Patanjali Swarn Credit Card
The premium Patanjali co-brand: 10% cashback at Patanjali (capped ₹750/month), plus four domestic airport-lounge visits a year and a monthly BookMyShow buy-one-get-one, on a RuPay-on-UPI card for ₹1,499. It earns its fee only if you stack all of it — heavy Patanjali spend and the lifestyle perks; lighter buyers should take the cheaper Vishisht.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,500 in vouchers, points or cashback in year one — conditional on ₹1,000 of spend within 30 days of card set-up
10% cashback at named groceries merchants
10% cashback at Patanjali on transactions of ₹500+, capped at ₹750 cashback per month (~₹7,500 monthly Patanjali spend)
0.25% on Other
1 reward point per ₹100 on non-Patanjali spends (~0.25%); ₹99 redemption fee applies
Airport Lounge Access
4 domestic airport-lounge visits a year (1 per quarter), earned on ₹50,000 of Patanjali spend in the previous calendar quarter
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹200/month
Movie Ticket Benefit
BookMyShow buy-one-get-one movie offer, up to ₹200, once a month on weekends
Milestone Bonus
~₹1,500 in bonus rewards on hitting annual spend milestones
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- BookMyShow buy-one-get-one movie offer, up to ₹200, once a month on weekends
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
₹2,000
Estimated annual value
3.5%
Forex markup
- Domestic airport lounge access (4 domestic visits/yr, worth ~₹2,000)
For committed Patanjali households spending up to ₹7,500 a month at its stores who will also use the quarterly lounge visit and monthly movie BOGO. Casual Patanjali shoppers are better served by the cheaper Vishisht.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceriesonly at Patanjali stores (online & offline), min ₹500 per transaction | cashback | 10% | ₹750 |
| Other | reward points | 0.25%1 pts/₹100 × ₹0.25 | — |
Groceries: 10% cashback at Patanjali on transactions of ₹500+, capped at ₹750 cashback per month (~₹7,500 monthly Patanjali spend) · Patanjali stores (online & offline), min ₹500 per transaction
Other: 1 reward point per ₹100 on non-Patanjali spends (~0.25%); ₹99 redemption fee applies
Earns nothing on: Fuel · Utility Bills · Insurance · Cash Advances · Rent · Education · Wallet Loads · Government & Tax · EMI Conversions
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,769 |
| Joining fee (incl. 18% GST) | ₹1,769 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹200 |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹16,300/yr in total.
4 domestic airport-lounge visits a year (1 per quarter), earned on ₹50,000 of Patanjali spend in the previous calendar quarter
BookMyShow buy-one-get-one movie offer, up to ₹200, once a month on weekends
1% fuel surcharge waiver up to ₹200/month on fuel transactions between ₹500 and ₹4,000
₹1,500 Patanjali voucher on ₹9 lakh of eligible annual spend, of which at least ₹1.5 lakh must be at Patanjali stores or its website (revised w.e.f. 10 May 2026)
A 4 nights / 5 days stay at a Patanjali Wellness Centre on ₹12 lakh of eligible annual spend, of which at least ₹2.5 lakh must be at Patanjali stores or its website (revised 10 May 2026)
Milestone ladder
- ₹9,00,000 a year₹1,500 of value
- ₹12,00,000 a year₹10,000 of value
Should you get it?
- Best for: Heavy Patanjali households spending up to ₹7,500/month at its stores, Buyers who will also use the quarterly lounge and monthly movie BOGO
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on everyday spends (0.25% back; 10% only at Patanjali stores (online & offline), min ₹500 per transaction).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- 10% cashback at Patanjali stores, capped ₹750/month
- ₹1,500 Patanjali voucher and a 4-night wellness-centre stay as annual milestones
- 4 domestic airport-lounge visits a year (1 per quarter)
- BookMyShow buy-one-get-one movie offer (up to ₹200, monthly)
- 6,000 reward points welcome benefit on first spend of ₹1,000+
- RuPay network links to UPI for everyday payments
✕ Cons
- ₹1,499 fee with no spend-based waiver
- 10% cashback capped at ₹750/month (~₹7,500 of Patanjali spend)
- Lounge access needs ₹50,000 of Patanjali spend in the prior quarter
- Off-Patanjali spends earn only 1 RP per ₹100 (~0.25%)
- Milestone bars were raised in May 2026 to ₹9 lakh and ₹12 lakh, each with a Patanjali-spend minimum
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Patanjali cashback credited to the card account
- 🎁Online rewards catalogue (vouchers, merchandise) via the RBL rewards portal
What your RBL Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
The ₹1,499 fee has no spend waiver, the 10% is capped at ₹750/month, and lounge access needs ₹50,000 of Patanjali spend a quarter — off-brand spends earn just 1 RP per ₹100.
Frequently asked questions
How is the Swarn different from the Patanjali Vishisht?
How does the Patanjali cashback work?
What is the lounge access condition?
Is there a fee waiver?
What are the milestone benefits?
Does it work on UPI?
What interest rate does the card charge?
How has the RBL Bank Patanjali Swarn Credit Card changed over time?
Has the RBL Bank Patanjali Swarn Credit Card been devalued recently?
When did the RBL Bank Patanjali Swarn Credit Card's fees last change?
How did the RBL Bank Patanjali Swarn Credit Card change in 2026?
The bottom line
The premium Patanjali card justifies its ₹1,499 fee only if you stack all of it — the ₹750/month cashband, four lounge visits and the monthly movie BOGO. For a genuinely loyal Patanjali household it works; for lighter buyers the ₹499 Vishisht captures most of the value for a third of the fee.
How this page was built
Counted from this card’s own record: 2 earn rules, 1 of them capped, 1 paid only at named merchants, the spends listed as earning nothing and 5 recorded perks.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the RBL Bank Patanjali Swarn Credit Card are taken from RBL Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for RBL Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
RBL Bank Patanjali Swarn Credit Card
The premium Patanjali co-brand: 10% cashback at Patanjali (capped ₹750/month), plus four domestic airport-lounge visits a year and a monthly BookMyShow buy-one-get-one, on a RuPay-on-UPI card for ₹1,499. It earns its fee only if you stack all of it — heavy Patanjali spend and the lifestyle perks; lighter buyers should take the cheaper Vishisht.
RBL Bank Patanjali Vishisht Credit Card
A single-brand loyalty card for Patanjali shoppers: 10% cashback at Patanjali stores on ₹500+ transactions, capped at ₹500 a month. On a low ₹499 RuPay-on-UPI card it quietly pays for itself for a genuine Patanjali household — but off-brand spending earns only a token 1 point per ₹100, so it is a companion, not a primary card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2024 · last change May 2026
2026
- ▼ MilestoneObserved May 2026 · Effective 10 May 2026
Milestone spend thresholds tripled, and the Patanjali minimums rose more than tenfold
Voucher at ₹3L total spend (₹12,000 minimum at Patanjali); wellness stay at ₹5L total (₹15,000 Patanjali minimum)→Voucher at ₹9L total spend (₹1.5L minimum at Patanjali); wellness stay at ₹12L total (₹2.5L Patanjali minimum)
Effective 10 May 2026 RBL raised the annual-spend thresholds on both of the Swarn's milestone rewards. The ₹1,500 Patanjali voucher now needs ₹9 lakh of eligible annual spend including a minimum ₹1.5 lakh at Patanjali stores or its website, up from ₹3 lakh including ₹12,000 at Patanjali. The 4 nights / 5 days stay at a Patanjali Wellness Centre now needs ₹12 lakh of eligible annual spend including a minimum ₹2.5 lakh at Patanjali, up from ₹5 lakh including ₹15,000. The Patanjali-specific minimum is the sharper of the two increases — it rose more than twelvefold on the voucher and more than sixteenfold on the wellness stay, so the benefits now turn on brand loyalty far more than on total card spend. RBL applies the revised criteria to cards issued on or after 10 May 2026; cards issued on or before 9 May 2026 keep the earlier thresholds until their next anniversary year. RBL also states that UPI transactions below ₹2,000 do not count toward annual milestone spend. The same revision was made to the sibling Patanjali Vishisht card on the same date.
Verification: RBL Bank ↗ · Confidence: High
- ▼ FeeObserved Jan 2026 · Effective 7 Jan 2026
New 1% fee on large FASTag top-ups and toll payments
No FASTag or toll transaction fee→1% fee on any FASTag-loading or toll-payment transaction above ₹10,000
From 7 January 2026 RBL Bank charges a 1% fee on any single FASTag-loading or toll-payment transaction above ₹10,000, measured per transaction per card, across merchant category codes 4784, 4111 and 4131. Because the threshold is per transaction rather than a monthly aggregate, it bites on one-off large FASTag top-ups rather than on regular commuting; splitting a top-up below ₹10,000 avoids it. The fee sits alongside RBL's existing 1% charges on rent, on utility spends above ₹50,000 a month, on fuel transactions above ₹10,000, and on education payments routed through third-party apps. It is a fee on the transaction, not a change to reward earning — these categories already earn no reward points on most RBL cards.
Verification: RBL Bank ↗ · Confidence: High
2024
- ◆ LaunchEffective 23 Oct 2024
Patanjali Swarn launched as the premium Patanjali RuPay co-brand
RBL Bank and Patanjali launched the Swarn as the premium tier of their two-card RuPay co-brand (above the ₹499 Vishisht), announced around 23 October 2024. It carries a ₹1,499 + tax joining/annual fee with no spend waiver, earning 10% cashback at Patanjali stores on transactions of ₹500 or more, capped at ₹750 a month (~₹7,500 of Patanjali spend), and 1 reward point per ₹100 (~₹0.25 each) on other spends. Cardholders get a 6,000-point welcome benefit on a first spend of ₹1,000+, 4 domestic airport-lounge visits a year (1 per quarter, unlocked by ₹50,000 of Patanjali spend in the prior calendar quarter), a monthly weekend BookMyShow buy-one-get-one movie offer up to ₹200, and a 1% fuel-surcharge waiver up to ₹200/month. As a late-October-2024 launch it was issued just after RBL's 15 Oct 2024 portfolio devaluation, so those category earn-exclusions and the new 1% fuel/utility/education fees applied from day one rather than as later cuts.
Verification: RBL Bank ↗ · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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