In-depth review
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.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹500 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
10% cashback at named groceries merchants
10% cashback at Patanjali on transactions of ₹500+, capped at ₹500 cashback per month (~₹5,000 monthly Patanjali spend)
0.25% on Other
1 reward point per ₹100 on non-Patanjali spends (~0.25%); ₹99 redemption fee applies
Annual Fee Waiver
Fee of ₹499 + 18% GST (₹589 all-in)/yr fully waived when you spend ₹1,50,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹150/month
Milestone Bonus
~₹5,000 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.
For committed Patanjali households spending up to ₹5,000 a month at its stores — exactly the ₹500 monthly cashback cap. Beyond that, and for non-Patanjali spending, a general cashback card pays more.
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% | ₹500 |
| Other | reward points | 0.25%1 pts/₹100 × ₹0.25 | — |
Groceries: 10% cashback at Patanjali on transactions of ₹500+, capped at ₹500 cashback per month (~₹5,000 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) | ₹589 |
| Joining fee (incl. 18% GST) | ₹589 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹150 |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹6,100/yr in total.
1% fuel surcharge waiver up to ₹150/month on fuel transactions between ₹500 and ₹4,000
A 2 nights / 3 days stay at a Patanjali Wellness Centre on ₹10 lakh of eligible annual spend, of which at least ₹2.5 lakh must be at Patanjali stores or its website (revised 10 May 2026)
₹500 Patanjali voucher on ₹7 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)
Milestone ladder
- ₹7,00,000 a year₹500 of value
- ₹10,00,000 a year₹5,000 of value
Should you get it?
- Best for: Loyal Patanjali shoppers spending up to ₹5,000/month at its stores, RuPay-on-UPI users who want a single-brand cashback card
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on everyday spends (0.25% back; 10% only at Patanjali stores (online & offline), min ₹500 per transaction).
Pros & cons
✓ Pros
- 10% cashback at Patanjali stores on ₹500+ transactions
- 2,000 reward points welcome benefit on first spend of ₹500+
- 1% fuel surcharge waiver up to ₹150/month
- RuPay network links to UPI for everyday payments
✕ Cons
- 10% cashback capped at ₹500/month (~₹5,000 of Patanjali spend)
- Off-Patanjali spends earn only 1 RP per ₹100 (~0.25%)
- ₹499 fee applies unless ₹1.5 lakh annual spend waiver is met; ₹99 redemption fee
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 10% is capped at ₹500 a month (~₹5,000 of Patanjali spend) and everything off-brand earns just 1 RP per ₹100 — value is entirely tied to heavy Patanjali loyalty.
Frequently asked questions
How does the Patanjali cashback work?
What do other spends earn?
Is the card lifetime free?
Does it work on UPI?
What are the milestone benefits?
Do UPI payments earn on this card?
What interest rate does the card charge?
Who should get this card?
How has the RBL Bank Patanjali Vishisht Credit Card changed over time?
Has the RBL Bank Patanjali Vishisht Credit Card been devalued recently?
When did the RBL Bank Patanjali Vishisht Credit Card's fees last change?
How did the RBL Bank Patanjali Vishisht Credit Card change in 2026?
The bottom line
A single-brand loyalty card that does one thing — 10% back at Patanjali, capped at ₹500 a month. If you regularly shop Patanjali it quietly clears its ₹499 fee; if you do not, there is little reason to hold it, because off-brand spending earns only a token 1 point per ₹100.
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 3 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the RBL Bank Patanjali Vishisht 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 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.
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.
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 more than doubled
Voucher at ₹2.5L spend; wellness stay at ₹4L spend→Voucher at ₹7L spend; wellness stay at ₹10L spend
Effective 10 May 2026 RBL sharply raised the annual-spend thresholds for the card's milestone rewards. The ₹500 Patanjali voucher now needs ₹7 lakh of eligible annual spend (with a ₹1.5 lakh minimum at Patanjali), up from ₹2.5 lakh (₹12,000 Patanjali minimum), and the 2N/3D Patanjali Wellness Centre stay now needs ₹10 lakh annual spend (₹2.5 lakh Patanjali minimum), up from ₹4 lakh (₹15,000 Patanjali minimum). The revised criteria apply to cards issued on or after 10 May 2026; earlier cardholders keep the old thresholds until their next anniversary. The ₹1.5 lakh annual-fee-waiver threshold was unchanged.
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 2024
Patanjali Vishisht launched — 10% Patanjali cashback on a ₹499 RuPay-on-UPI card
RBL Bank and Patanjali launched the co-branded Patanjali Vishisht Credit Card (the entry tier below the Swarn), announced around October 2024 on the RuPay network with UPI linking. It offered 10% cashback at Patanjali online and offline stores on transactions of ₹500 or more (capped ₹500/month), 1 reward point per ₹100 on other spends, a 2,000-point welcome benefit, a 1% fuel-surcharge waiver (up to ₹150/month), and a ₹499 + GST fee waived at ₹1.5 lakh annual spend. Its original milestone benefits were a ₹500 Patanjali voucher at ₹2.5 lakh annual spend and a 2N/3D Patanjali Wellness Centre stay at ₹4 lakh annual spend.
Verification: CardAdvisor Research · 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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