RBL Patanjali Vishisht RuPay Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹499
₹499
3.5%
No lounge access
Contents
RBL Patanjali Vishisht RuPay Credit Card is a co-branded cashback card for loyal Patanjali shoppers who want value-back on everyday wellness, grocery and household spends. You earn 10% cashback on eligible Patanjali purchases, along with 1 reward point per ₹100 on other transactions. The card comes with milestone benefits such as annual fee reversal, Patanjali vouchers and a complimentary stay at Patanjali Wellness Centre. With low annual fees, UPI linking via RuPay and a 1% fuel surcharge waiver, it is a practical entry-level card for value-conscious families.
Features of RBL Patanjali Vishisht RuPay Credit Card which makes it unique
Wellness-Focused Milestone Benefits
Spends can unlock Patanjali vouchers and Wellness Centre stay packages.
Turn everyday grocery and wellness spends into high-value wellness experiences.
More relevant for health-conscious families than generic movie or dining offers.
Dedicated Patanjali Cashback Engine
Higher value-back on Patanjali spends compared to regular RBL entry-level cards.
Earn up to 10% cashback every month on Patanjali shopping.
Optimised for Patanjali customers instead of generic lifestyle spends.
Rewards Structure of RBL Patanjali Vishisht RuPay Credit Card
Patanjali Spends
baseEligible online and offline Patanjali purchases of ₹500 or more per transaction.
Best suited for regular Patanjali buyers who stock household and wellness products monthly.
All Other Retail Spends
baseAll eligible online and offline transactions excluding fuel, cash withdrawals and restricted categories.
Reward points can be redeemed against vouchers and products on the RBL Rewards catalogue.
Milestones of RBL Patanjali Vishisht RuPay Credit Card
Annual Fee Reversal
₹1,50,000 in a card anniversary year : Full reversal of annual membership fee in the next year.
Patanjali Voucher Milestone
₹2,50,000 in a year : ₹500 Patanjali voucher
Patanjali Wellness Centre Stay
₹4,00,000 in a year : Complimentary 2 nights / 3 days stay at Patanjali Wellness Centre
Fees & Charges of RBL Patanjali Vishisht RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | 0 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee is waived when you spend at least ₹1.5 lakh in the previous card anniversary year.
Fee Explanation Standard RBL Bank credit card charges apply, including up to 3.99% p.m. interest, 2.5% cash advance fee (minimum ₹500), late payment fee up to ₹1,300, and foreign currency markup up to 3.5%.
Detailed Explanation of RBL Patanjali Vishisht RuPay Credit Card Fees
Membership Fee: ₹499 + GST per year (yearly)
Annual fee reversal on spends of ₹1.5 lakh in the previous year.
Finance Charges: Up to 3.99% per month (47.88% p.a.) (monthly)
Applied on revolving balances and cash advances when dues are not paid in full.
Cash Advance Fee: 2.5% of amount (min ₹500) (per transaction)
Charged on ATM and over-the-counter cash withdrawals.
Late Payment Fee: 12.5% of outstanding (min ₹5, max ₹1,300) (per statement cycle)
Applied when the minimum amount due is not paid by the due date.
Foreign Currency Markup: Up to 3.5% of transaction value (per transaction)
Applicable on all international and foreign currency transactions.
Reward Redemption Fee: ₹99 + GST (per redemption)
Charged when redeeming reward points via the RBL Rewards portal.
Additional Features of RBL Patanjali Vishisht RuPay Credit Card
UPI Linking via RuPay Credit Card
Link your RuPay credit card on supported UPI apps for seamless online and offline payments.
Available on select UPI apps such as Google Pay, PhonePe and others as enabled by NPCI.
Contactless Tap and Pay
RuPay contactless card supports tap-and-pay for quick checkouts at enabled POS terminals.
Per-transaction tap limit and cumulative limits as per RBI and RBL Bank guidelines.
National Common Mobility Card (NCMC)
RuPay contactless card is NCMC-ready for use on supported metros, buses and transport systems.
Acceptance depends on rollout by respective transit operators.
Fuel Payments Convenience
Pay for fuel using your card and enjoy 1% surcharge waiver within eligible transaction slabs.
Waiver is subject to monthly cap and merchant category codes defined by the network.
Co-Branded Wellness Focus
Designed for families who frequently purchase Patanjali wellness, herbal and grocery products.
Maximum cashback and milestone value is achieved when a significant portion of spends are at Patanjali.
Welcome Bonus with RBL Patanjali Vishisht RuPay Credit Card
Welcome Bonus: 2,000 Reward Points
Bonus Conditions: Earn 2,000 reward points on your first transaction of ₹500 or more within 30 days of card issuance.
Application Process for RBL Patanjali Vishisht RuPay Credit Card
Processing Time
Typically 7–10 working days after successful document verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the RBL Bank Patanjali Vishisht RuPay Credit Card page or Finanjo card comparison page.
Click on Apply Now and fill in your personal details, contact information and city.
Share your PAN, employment type, net monthly income and basic KYC details.
Upload or provide KYC and income documents as requested by RBL Bank.
Complete verification via call or physical/online KYC and wait for approval and card dispatch.
Required Documents for RBL Patanjali Vishisht RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
RBL Patanjali Vishisht RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across Patanjali outlets and other RuPay-enabled merchants throughout India.
International Acceptance
Usable at international merchants that accept RuPay credit cards, though RuPay acceptance is more limited outside India.
Online Acceptance
Supported for online payments at Patanjali’s website and most major Indian e-commerce platforms.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Patanjali Vishisht RuPay Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹25,000
Minimum annual income
Who Can Apply
Important Conditions
- Stable income, good credit history and satisfactory internal risk checks as per RBL Bank policy.
How Approval Is Decided
- Age between 21 and 70 years with Indian residency.
- Minimum monthly income of around ₹25,000 for salaried or self-employed applicants.
- Good credit profile with a recommended credit score of 750 or higher.
- Favourable internal eligibility checks and verification by RBL Bank.
Pros of RBL Patanjali Vishisht RuPay Credit Card
- High 10% cashback on Patanjali spends for loyal brand users.
- Low joining and annual fee with a realistic spend-based waiver.
- UPI and contactless support through the RuPay network.
- Milestone benefits aligned to health and wellness goals.
- Straightforward rewards structure that is easy to understand.
Cons of RBL Patanjali Vishisht RuPay Credit Card
- No complimentary airport lounge access on this variant.
- Limited premium travel, dining and entertainment benefits.
- Cashback on Patanjali spends capped at ₹500 per month.
- Generic reward rate of 1 point per ₹100 on non-Patanjali spends is modest.
Frequently Asked Questions about RBL Patanjali Vishisht RuPay Credit Card
What is the joining and annual fee for the RBL Patanjali Vishisht RuPay Credit Card?
The card charges a joining fee of ₹499 + GST and an annual fee of ₹499 + GST, which is reversed when you spend ₹1.5 lakh or more in the previous year.
How does the 10% cashback on Patanjali spends work?
You earn 10% cashback on eligible Patanjali online and offline spends of ₹500 or more per transaction, with a maximum cashback of ₹500 per calendar month.
Is there any airport lounge access on the RBL Patanjali Vishisht RuPay Credit Card?
No, this card does not provide complimentary domestic or international airport lounge access. It is focused on cashback and wellness benefits for Patanjali shoppers.
Can I link the Patanjali Vishisht RuPay Credit Card to UPI apps?
Yes, the card can be linked on select UPI apps such as Google Pay and PhonePe, allowing you to pay using your RuPay credit card via UPI where supported.
What milestone benefits are available on this card?
You can get annual fee reversal at ₹1.5 lakh spends, a ₹500 Patanjali voucher at ₹2.5 lakh spends with minimum Patanjali usage, and a 2 nights / 3 days Patanjali Wellness Centre stay at ₹4 lakh annual spends with specified Patanjali spends.
How can I redeem the reward points earned on non-Patanjali spends?
Reward points can be redeemed via the RBL Rewards portal for vouchers, merchandise and other options. A reward redemption fee of ₹99 + GST applies on each redemption request.
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