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Patanjali RBL Bank Swarn Credit Card
RBL Bank
shoppingonline
Annual Fee
₹1,499
Joining Fee
₹1,499 + GST
Base Reward
10% cashback
Foreign Markup
3.5%
Interest Rate
3.99% per month
Welcome Benefits
Earn 6,000 Reward Points on making the first transaction worth ₹1,000.
Product Highlights
- 10% cashback on Patanjali stores both online and offline
- 1 RP for every ₹100 spent
- Complimentary domestic airport lounge access
Rewards
10% cashback up to ₹750 at Patanjali stores both online and offline; 1 Reward Point for every ₹100 spent on online and offline spends.
Redemption
RP can be redeemed at RBL Rewards.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 10%(10% CashBack) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Patanjali | 10% CashBack(up to ₹750) | all |
Benefits & Features
Domestic: 4 complimentary domestic airport lounge access annually. (Spend ₹50,000 in the previous quarter.) International: N/A Access to the lounge is available at select airports and is on a first-come-first-serve basis.
Fees & Charges
Annual Fee₹1,499
Joining Fee₹1,499 + GST
Foreign Markup3.5%
Interest Rate3.99% per month
Cash Advance2.5% of the Cash Amount or a Minimum of ₹500
Redemption Fee₹99 + GST
Eligibility
Available Networks
rupay
Pros & Cons
Pros
- Generous rewards on Patanjali purchases, both online and offline.
- Complimentary domestic airport lounge access and BOGO offers on movie tickets add extra value.
Cons
- Limited information on insurance benefits and international lounge access.
- Foreign currency markup of 3.5% could be a drawback for international travel.
Additional Info
10% cashback up to ₹750 every month on a minimum transaction of ₹500.
Excluded Categories
railwaysutilitieswalletsrentalsinsuranceeducationgovernment transactionsEMIcash
Partner Merchants
Patanjali