Ayurvedic Retail Co-Brand with 5% Value Back on Patanjali Spends
Patanjali retail shoppers, ayurvedic wellness consumers, and households purchasing organic staples and medicines regularly at Patanjali outlets.
₹1,499
One-time upfront₹1,499
Waived on ₹1.5 lakh annual spend2 Reward Points per Rs 100 on retail spends (0.5% value back)
On eligible spends4 Domestic visits/year · ₹35k quarterly spend required
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Patanjali RBL Bank Swarn Credit Card is an upgraded wellness and lifestyle credit card developed jointly by RBL Bank and Patanjali Ayurved. Priced at ₹1,499 plus GST, the card immediately returns the joining investment by providing Patanjali shopping vouchers worth ₹1,500 upon initial card activation and fee settlement. The card's economic engine delivers an accelerated 5% value back on purchases completed at authorized Patanjali Arogya Kendras, Swadeshi Samridhi stores, and Patanjali's official mobile application. On all other general retail and online spending, cardholders earn 2 reward points per ₹100. Accumulated points can be redeemed for Patanjali shopping vouchers, merchandise, or statement credit via RBL Rewards. On travel, Swarn cardholders receive 1 complimentary domestic airport lounge visit per calendar quarter across major Indian airports. It also features a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at petrol pumps nationwide (up to ₹150 per month). The annual fee is completely waived upon achieving ₹1,50,000 in retail spending during the anniversary year. For loyal Patanjali consumer households, the Swarn card combines healthy daily shopping savings with domestic airport comfort.
10% cashback up to ₹750 at Patanjali stores both online and offline; 1 RP for every ₹100 spent on online and offline spends
Earn 6,000 Reward Points on making the first transaction worth ₹1,000.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Patanjali Stores & Online Purchases | 10 Reward Points per Rs 100 at Patanjali stores and OrderMe app (2.5% value back) | 2,000 Reward Points/mo | Standard terms apply |
| Grocery & Medical Spends | 4 Reward Points per Rs 100 on grocery and medical purchases (1% value back) | No Cap | Standard terms apply |
| All Other Retail Spends | 2 Reward Points per Rs 100 on all other retail transactions (0.5% value back) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Patanjali Stores & Online Purchases | ₹6,000 | 10 Reward Points per Rs 100 at Patanjali stores and OrderMe app (2.5% value back) | — | ₹2,000/monthly | Calculating... | Under cap |
| Grocery & Medical Spends | ₹6,000 | 4 Reward Points per Rs 100 on grocery and medical purchases (1% value back) | — | None | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 2 Reward Points per Rs 100 on all other retail transactions (0.5% value back) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,499
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Spend Rs 3,00,000 in previous year to waive the Rs 1,499 annual renewal fee.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹1,499 + GST; Annual Renewal Fee: ₹1,499 + GST. • Annual Fee Waiver: Spend ₹1,50,000 or more in an anniversary year to waive the ₹1,499 renewal fee. • Welcome Benefit: ₹1,500 Patanjali shopping vouchers upon payment of joining fee and first transaction within 30 days. • Patanjali Spends: 5% value back on purchases at Patanjali Arogya Kendras, stores, and digital app. • General Spends: 2 reward points per ₹100 on all other non-Patanjali retail transactions. • Airport Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (maximum waiver of ₹150 per month).
Evaluate whether this card's perks and waiver threshold justify its ₹1,499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Patanjali RBL Bank Swarn Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official RBL Bank portal with paperless verification.
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