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rupayclassiccredit
Patanjali RBL Bank Vishisht Credit Card
RBL Bank
shopping
Annual Fee
₹499
Joining Fee
₹499 + GST
Base Reward
10% cashback
Foreign Markup
3.5%
Fee Waiver
Annual fee is waived for spending of ₹1.5 lakhs
Interest Rate
3.99% per month
Welcome Benefits
Earn 2,000 Reward Points within 30 days of card issuance
Product Highlights
- Affordable joining fee
- Reward Points can be redeemed for vouchers, products, flight and hotel tickets
Rewards
10% cashback up to ₹500 on purchases made at Patanjali stores; 1 Reward Point for every ₹100 spent on offline and online transactions.
Redemption
RP earned can be redeemed on the RBL Rewards portal.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 10%(10% CashBack) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Patanjali | 10% CashBack(up to ₹500) | all |
Benefits & Features
1% fuel surcharge waiver up to ₹150 on transactions between ₹500 to ₹4,000
Fees & Charges
Annual Fee₹499
Joining Fee₹499 + GST
Fee WaiverAnnual fee is waived for spending of ₹1.5 lakhs
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
- Affordable joining fee
- Reward Points can be redeemed for various rewards
Cons
- No entertainment and dining benefits
- High forex fees for international transactions
Additional Info
Card can be linked with UPI apps for easy transactions
Card comes under the NCMC program for public transportation
Maximum cashback of ₹500 per month.
Excluded Categories
entertainmentdiningtravel
Partner Merchants
Patanjali