My credit card India

Joining Benefits

The Patanjali RBL Bank Vishisht Credit Card offers a welcome benefit of 2,000 Reward Points to cardholders upon making a valid retail transaction within the first thirty days from the date of card issuance and paying the annual membership fees. Once the transaction is made and the annual fees are paid, the reward points will be credited to the cardholder’s account within sixty days from the date of card issuance. This welcome benefit can only be availed once in the lifetime of the card upon payment of the annual membership fee.

Rewards Program

Patanjali RBL Bank Vishisht Credit Card offers a monthly benefit of 10% cashback on purchases made at Patanjali’s online and offline stores. Cardmembers can enjoy a cashback of 10% of the total value of their orders, with a minimum transaction of ₹500. The maximum cashback that can be earned in a month is capped, and the cashback is credited to the card accounts within 30 days of the transactions.

Users also earn 1 Reward Point for every ₹100 spent on purchases made at online and offline stores. All the Reward Points earned can be redeemed for products, vouchers, and much more at RBL Rewards. The value of 1 Reward Point = ₹0.25.

Please remember that fuel, auto, utilities, insurance, railways, rental, education, wallets, government services, contracted services, miscellaneous, cash, and EMI conversion of retail transactions are excluded from the Rewards Program.

Milestone Benefits

As a card member of the Patanjali RBL Bank Vishisht Credit Card, you can enjoy several milestone benefits. You are eligible for an annual fee reversal on spends of ₹1.5 lakh in one year. Upon making a spend of ₹2.5 lakh in one year, you can receive a gift voucher from Patanjali, where ₹12,000 should be spent directly on Pantajali stores or websites. On reaching spends of ₹4 lakh in one year, you can enjoy a 2 nights/3 days complimentary stay at Patanjali wellness centers. One should be aware that to avail of these benefits, the spending should include transactions at Patanjali stores, centers, apps, or websites to qualify for these milestone benefits.

Fuel Surcharge Waiver

The Patanjali RBL Bank Vishisht Credit Card offers a 1% fuel surcharge waiver of up to ₹150 every month on transactions between ₹500 to ₹4,000.

Patanjali RBL Bank Vishisht Credit Card Review

The Patanjali RBL Bank Vishisht Credit Card is a solid choice for frequent shoppers at Patanjali stores. With a low joining fee and renewal fee, it offers welcome benefits and cashback on purchases made at Patanjali stores. Cardholders earn Reward Points for every ₹100 spent on both online and offline transactions, which can be redeemed for products and vouchers. The card also provides a spend-based waiver and additional benefits like a Patanjali voucher and fuel surcharge waiver. This card lacks entertainment, dining, and travel perks and has high forex fees for international transactions. If you’re a regular Patanjali shopper and are looking for a credit card with decent rewards and benefits, the Patanjali RBL Bank Vishisht Credit Card could be a good fit for you.