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RBL Bank Patanjali Vishisht Credit Card

The RBL Bank Patanjali Vishisht Credit Card is a co-branded card offering up to 10% cashback on Patanjali purchases. Cardholders receive 2,000 reward points as a joining bonus and can get the annual fee waived on spending Rs. 1.5 lakh in a year, making it ideal for frequent shoppers.

RBL Bank Patanjali Vishisht Credit Card

About RBL Bank Patanjali Vishisht Credit Card

RBL Bank has partnered with Patanjali to offer two co-branded credit cards: the Patanjali Vishisht (standard variant) and the Patanjali Swarn (premium variant). Both cards provide enhanced rewards on Patanjali purchases along with special milestone benefits.

The Patanjali Vishisht Credit Card gives up to 10% cashback on Patanjali products, applicable on monthly spends up to Rs. 5,000. Other transactions earn only a standard reward rate, which is relatively low. This makes the card ideal for customers who frequently purchase Patanjali products for daily use. Additional perks include a brand voucher and a three-day stay at a Patanjali Wellness Centre as milestone rewards.

For higher rewards on non-Patanjali spends, users may need to consider other credit cards.

Note: This card is not available on third-party platforms. For more information or to apply, please visit the official RBL Bank website.

Rewards Program

Cashback Benefits

  • Earn 10% cashback (maximum Rs. 500 per month) on Patanjali purchases made both online and offline, with a minimum transaction of Rs. 500.

Reward Points Accumulation

  • Receive 1 reward point for every Rs. 100 spent across online and offline transactions.

Reward Redemption

  • Collected reward points can be exchanged for products listed in the RBL Rewards Catalogue.

Other Features & Benefits

Welcome Offer

  • Get 2,000 reward points when you make your first purchase of at least Rs. 500 within 30 days of card activation.

Milestone Rewards

  • Receive a Rs. 500 Patanjali voucher on annual spending of Rs. 2.5 lakh, provided a minimum of Rs. 12,000 is spent on Patanjali products.

  • Enjoy a 2-night/3-day stay at a Patanjali Wellness Centre upon annual spending of Rs. 4 lakh, with at least Rs. 15,000 spent on Patanjali purchases.

Annual Fee Waiver

  • Annual fee is waived if total spending in the previous year exceeds Rs. 1.5 lakh.

Fuel Benefit

  • Avail 1% fuel surcharge waiver (up to Rs. 200 per month) on fuel purchases between Rs. 500 and Rs. 4,000.

RBL Bank Patanjali Vishisht Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

RBL Patanjali Vishisht Credit Card: Fees & Charges

Particulars Amount
Joining/Annual Fee Rs. 499 + applicable taxes
Finance Charges Up to 3.99% p.m. (47.88% p.a.)
Late Payment Charges 12.5% of the outstanding amount, subject to a min. of Rs. 5 and a max. of Rs. 1,300

Things to Consider Before Applying

Who Should Consider This Card:

  • If you regularly purchase Patanjali products for personal or household use, this card can help you earn rewards on your everyday spends.

  • If you already have another credit card to cover other lifestyle expenses such as travel, dining, entertainment, and shopping, this card can complement it by focusing on Patanjali spends.

  • If you can take full advantage of perks like milestone rewards and annual fee waivers by meeting the required spending thresholds, this card can help maximize your savings.

Steps to Close RBL Bank Patanjali Vishisht Credit Card

If you want to close your RBL Bank Patanjali Vishisht Credit Card, it is important to follow the proper process recommended by RBL Bank to ensure a smooth and hassle-free closure.

Clear All Outstanding Dues

Before initiating the closure, make sure your card has no pending balance. Pay off:

  • Total outstanding amount

  • EMIs (if any)

  • Interest charges

  • Late fees or other applicable charges

The bank will process your request only after all dues are fully cleared.

Redeem Reward Points

  • Use all your available reward points or benefits before closing the card, as unused rewards may expire after closure.

Contact Customer Support

Reach out to customer care to initiate the closure request. You may need to provide:

  • Last four digits of your credit card

  • Registered mobile number

  • Basic verification details

Follow the instructions provided by the executive to proceed.

Submit Closure Request via Email

You can also send a request through your registered email ID. Include:

  • Cardholder’s name

  • Last four digits of the card

  • Reason for closure

The bank will verify your request and start the closure process.

Stop Using the Card

  • Avoid making any transactions after submitting your closure request, as this may delay the process.

Destroy the Card After Confirmation

  • Once you receive confirmation, cut the card across the chip and magnetic strip to prevent misuse.

Check Closure Status

  • After a few weeks, review your credit report to ensure the card status is updated as “Closed.”
  • Report any discrepancies immediately.

Important Tips

  • Cancel all auto-debits or subscriptions linked to the card

  • Keep records of confirmation emails or messages

  • Be aware that closing a credit card may temporarily affect your credit score

RBL Bank Patanjali Vishisht Credit Card Helpline Number

If you need any assistance regarding your RBL Bank Patanjali Vishisht Credit Card, you can contact the customer support team of RBL Bank. They provide reliable support for billing queries, payments, card blocking, reward points, and other credit card services.

Customer Care Helpline Number

This number can be used for all credit card-related queries and support.

Services Available

Customer care can assist you with:

  • Credit card billing and statement-related issues

  • Payment support and outstanding balance queries

  • Reward points, offers, and benefits information

  • Reporting lost or stolen credit cards

  • Card blocking or replacement requests

  • Credit card closure or cancellation process

Important Tips

  • Keep your registered mobile number and card details ready for verification

  • Never share sensitive information such as OTP, PIN, or CVV

  • Always use official RBL Bank contact details to avoid fraud

  • In case of suspicious transactions, block your card immediately and inform the bank

FAQs

Who is eligible to apply for this card?

Indian residents aged 21-60 with a stable income and a good credit history can apply.

Cardholders receive 2,000 reward points on their first spend of at least Rs. 500 within 30 days of card issuance.

You earn 1 reward point for every Rs. 100 spent on both online and offline Patanjali purchases.

  • Rs. 500 Patanjali voucher on annual spends of Rs. 2.5 lakh (with minimum Patanjali spend of Rs. 12,000).

  • 2-night/3-day stay at a Patanjali Wellness Centre on annual spends of Rs. 4 lakh (with minimum Patanjali spend of Rs. 15,000).

Yes, you get 10% cashback up to Rs. 500 per month on Patanjali purchases above Rs. 500.

Cardholders enjoy a 1% fuel surcharge waiver, up to Rs. 200 per month, on fuel spends between Rs. 500 and Rs. 4,000.

Yes, the annual fee is waived if your total spending in the previous year exceeds Rs. 1.5 lakh.

Accumulated reward points can be redeemed for products listed in the RBL Rewards Catalogue.

Regular Patanjali product users and those who can leverage milestone benefits and fee waivers to maximize savings.

While it is primarily for Patanjali purchases, it works best in combination with another credit card that covers travel, dining, entertainment, and other lifestyle expenses.