RBL Patanjali Swarn RuPay Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹1,499
₹1,499
3.5%
4 visits/yr
Contents
RBL Patanjali Swarn RuPay Credit Card is a co-branded cashback and rewards card designed for frequent Patanjali shoppers in India. You earn attractive 10% cashback on Patanjali spends along with reward points on your day-to-day purchases. The card also offers complimentary domestic airport lounge access, BookMyShow movie offers, fuel surcharge waiver and UPI-on-credit support via RuPay. It is ideal for health-conscious families and Patanjali loyalists who want savings on wellness, groceries and daily essentials.
Features of RBL Patanjali Swarn RuPay Credit Card which makes it unique
Patanjali-Focused Cashback Engine
Earn strong 10% cashback on eligible Patanjali spends up to a generous monthly cap.
Maximises savings on health, grocery, organic and Ayurvedic purchases.
Higher Patanjali cashback than most generic cashback credit cards.
Wellness Milestone Benefits
High annual spend can unlock Patanjali wellness centre stay vouchers.
Supports long-term health and wellness goals while you spend on daily needs.
Unique co-branded milestone benefits compared to typical lifestyle cards.
Rewards Structure of RBL Patanjali Swarn RuPay Credit Card
Patanjali Spends
baseEligible transactions of ₹500 or more at Patanjali stores and Patanjali online channels.
Cashback is credited as per RBL Bank timelines; select merchant category codes are excluded.
Everyday Retail Spends
baseAll other eligible online and offline retail transactions except excluded categories.
Reward points can be redeemed on the RBL Rewards portal for vouchers, merchandise and travel bookings.
Excluded Categories
baseFuel, utilities, insurance, railways, education, government payments, wallet loads and other excluded MCCs.
Reward points and cashback are not earned on excluded merchant categories as defined by RBL Bank and RuPay.
Milestones of RBL Patanjali Swarn RuPay Credit Card
Monthly Cashback Cap
Eligible Patanjali spends of ₹7,500 or more in a month : Maximum monthly cashback of ₹750 on Patanjali spends.
Patanjali Gift Voucher
₹3,00,000 annual retail spends including minimum ₹12,000 at Patanjali outlets or website : Patanjali gift voucher worth ₹1,500.
Patanjali Wellness Stay
₹5,00,000 annual spends with minimum ₹15,000 at Patanjali outlets or website : Complimentary 4-night wellness stay at select Patanjali wellness centres.
Fees & Charges of RBL Patanjali Swarn RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,500 |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee of ₹1,499 + GST is charged from the second year; no standard spend-based waiver is currently advertised.
Fee Explanation Standard RBL Bank credit card charges apply on interest, cash advance, foreign currency transactions and late payments as per the latest Schedule of Charges.
Detailed Explanation of RBL Patanjali Swarn RuPay Credit Card Fees
Membership / Joining Fee: ₹1,499 + GST (joining)
Charged in the first statement for new cardholders; non-waivable as per current product communication.
Annual Fee: ₹1,499 + GST (yearly)
Levied from the second year onwards; no standard spend-based waiver is currently specified.
Finance Charges: Up to 3.99% per month (47.88% p.a.) (monthly)
Applicable on unpaid dues and cash advances as per the latest Schedule of Charges.
Cash Advance Fee: 2.5% of cash amount (minimum ₹500) (transaction)
Charged on each cash withdrawal from ATMs or other channels.
Foreign Currency Markup: 3.5% of transaction value (transaction)
Applicable on international transactions done in foreign currency.
Rewards Redemption Fee: ₹99 + GST per redemption request (per_redemption)
Charged when redeeming reward points through the RBL Rewards portal.
Late Payment Fee: 15% of total amount due (min ₹50, max ₹1,500) (per_statement)
Applied when the minimum amount due is not paid by the payment due date.
Lounge Access Benefits with RBL Patanjali Swarn RuPay Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
One complimentary domestic airport lounge visit per calendar quarter on meeting the minimum quarterly spend requirement of ₹50,000 on the card.
Insurance Coverage with RBL Patanjali Swarn RuPay Credit Card
Card Liability Protection
Coverage limits as per the latest RBL Bank credit card insurance policyTypically covers fraudulent transactions after reporting loss to the bank; refer to current MITC and insurance documents for exact details.
Purchase Protection
As per RBL Bank’s purchase protection program (if active for this product)May cover high-value retail purchases for a limited period against specified risks; check latest product terms at the time of application.
Additional Features of RBL Patanjali Swarn RuPay Credit Card
RuPay UPI on Credit
Link the card on select UPI apps and pay using RuPay credit on UPI.
Available on supported apps such as Google Pay, PhonePe and Paytm; subject to NPCI and RBL Bank guidelines.
Contactless Payments
Tap-and-pay enabled RuPay contactless card compliant with National Common Mobility Card (NCMC) specifications.
Contactless limit and availability depend on terminal settings and regulatory limits.
Co-Branded Patanjali Benefits
Designed for regular Patanjali buyers with higher savings on Patanjali products and wellness services.
Specific benefits and partners may be updated by RBL Bank and Patanjali from time to time.
Welcome Bonus with RBL Patanjali Swarn RuPay Credit Card
Welcome Bonus: 6,000 Reward Points
Bonus Conditions: Spend at least ₹1,000 within 30 days from card issuance to receive the 6,000 welcome reward points.
Application Process for RBL Patanjali Swarn RuPay Credit Card
Processing Time
5–7 working days after successful verification
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official RBL Bank website or Patanjali co-branded card page and select the RBL Patanjali Swarn RuPay Credit Card.
Fill in the online application form with your personal, employment and income details.
Upload KYC and income documents or provide consent for digital verification, as requested by RBL Bank.
Complete any additional checks such as video KYC or telephonic verification if required.
On approval, the card is dispatched to your registered address and the PIN can be set through RBL Bank channels.
Required Documents for RBL Patanjali Swarn RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
RBL Patanjali Swarn RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted at RuPay-enabled POS terminals, e-commerce sites and Patanjali outlets across India.
International Acceptance
Usable at international merchants on RuPay and partner networks where RuPay credit cards are accepted; acceptance may be limited compared to global schemes in some countries.
Online Acceptance
Supported on major Indian e-commerce platforms and bill payment portals that accept RuPay credit cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Patanjali Swarn RuPay Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should have a stable income, valid PAN and Aadhaar, and meet RBL Bank’s internal credit policy.
How Approval Is Decided
- Minimum stable monthly income as per RBL Bank’s internal policy for this product.
- Indian resident with valid KYC documents (PAN and Aadhaar, plus address proof).
- Satisfactory credit history and credit score, generally 700 or above for best approval chances.
- Overall eligibility subject to RBL Bank’s risk assessment and underwriting norms.
Pros of RBL Patanjali Swarn RuPay Credit Card
- Excellent savings for frequent Patanjali and wellness shoppers.
- Decent base reward rate of 1 reward point per ₹100 on everyday spends.
- 4 domestic airport lounge visits per year for more comfortable travel.
- BookMyShow 1+1 movie offer adds regular entertainment value.
- UPI-on-credit via RuPay makes the card easy to use with mobile payments.
Cons of RBL Patanjali Swarn RuPay Credit Card
- High membership and annual fee of ₹1,499 + GST with no standard fee waiver.
- Cashback is limited to a maximum of ₹750 per month on Patanjali spends.
- Rewards are not earned on several essential categories like utilities and fuel.
- RuPay acceptance outside India can be lower than Visa or Mastercard in some regions.
Frequently Asked Questions about RBL Patanjali Swarn RuPay Credit Card
What is the joining and annual fee for the RBL Patanjali Swarn RuPay Credit Card?
The card currently carries a joining fee of ₹1,499 + GST and an annual fee of ₹1,499 + GST from the second year onwards, as per the latest RBL Bank communication.
How do I earn the 6,000 welcome reward points on this card?
You need to make a first purchase of at least ₹1,000 within 30 days of card issuance; once the condition is met, 6,000 welcome reward points are credited to your account as per bank timelines.
How does the 10% cashback on Patanjali spends work?
On eligible transactions of ₹500 or more at Patanjali stores and online channels, you earn 10% cashback, subject to a maximum cashback cap of ₹750 per statement month.
Does the card offer complimentary airport lounge access?
Yes, you can enjoy up to 4 complimentary domestic airport lounge visits per year, limited to one visit per quarter, after meeting the required quarterly spend threshold on the card.
Can I use this RuPay credit card on UPI apps like Google Pay or PhonePe?
Yes, the RBL Patanjali Swarn RuPay Credit Card can be linked on supported UPI apps and used to pay via RuPay credit on UPI, subject to NPCI and RBL Bank eligibility and the app’s support.
Are reward points earned on fuel and utility payments?
No, fuel, utilities and several other categories are treated as excluded merchant categories, so reward points and cashback are not accrued on such transactions.
Where can I redeem the reward points earned on this card?
You can redeem accumulated reward points on the RBL Rewards portal for vouchers, merchandise, travel bookings and other catalogue options available at the time of redemption.
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