Travel on Points

Patanjali RBL Bank Vishisht Credit Card

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  • Joining fee

    ₹499 + GST

  • Annual fee

    ₹499 + GST

  • Best suited for

    Shopping

  • Reward type

    Cashback

Rewards

  • Rewards rate

    10% cashback up to ₹500 on purchases made at Patanjali stores; 1 RP for every ₹100 spent on offline and online transactions

  • Welcome benefits

    Earn 2,000 Reward Points within 30 days of card issuance

  • Reward redemption

    RP earned can be redeemed on the RBL Rewards portal

Fees & charges

  • Spend-based waiver

    Annual fee is waived for spending of ₹1.5 lakhs

  • Rewards redemption fee

    ₹99 + GST

  • Foreign currency markup

    3.5%

  • Interest rates

    3.99% per month or 47.88% per annum

  • Fuel surcharge waiver

    1% fuel surcharge waiver up to ₹150 on transactions between ₹500 to ₹4,000

  • Cash advance charges

    2.5% of the cash amount or a minimum of ₹500

Product highlights

  • This card can be linked with UPI apps.
  • The annual fee waiver of this card is ₹1.5 lakhs.
  • Patanjali voucher worth ₹500 on annual spends of ₹2.5 lakhs.
  • 1% fuel surcharge waiver on fuel transactions.
  • This card comes under the NCMC program and can be easily loaded.

Pros & cons

Pros

  • This card has an affordable joining fee.
  • Reward Points earned can be redeemed for vouchers, products, flight and hotel tickets, and much more.

Cons

  • There are no entertainment and dining benefits, along with zero travel perks.
  • This card has high forex fees, which are becoming a drawback for international transactions.

FAQs

Are there any movie and dining benefits associated with the Patanjali RBL Bank Vishisht Credit Card?

No, the card does not offer movie and dining benefits.

Can the Patanjali RBL Bank Vishisht Credit Card be linked with UPI apps?

Yes, the card can be linked to UPI apps like Google Pay. Phone Pe, Cred, etc., for easy online transactions.

Can the Patanjali RBL Bank Vishisht Credit Card be used for public transportation under the NCMC program?

Yes, the card can be easily loaded and used for public transportation under the NCMC program.

Is there a fee for redeeming the Reward Points?

Yes, there is a Rewards Redemption Fee of ₹99 plus taxes for redeeming the Reward Points.