RBL Bank Patanjali Swarn Credit Card

• • Redemption fee: ₹99

Detailed reward breakdown not available from source

INR 1,500 Patanjali Voucher on annual spends** of INR 3 lakh, including minimum spends of INR 12,000 at Patanjali stores/website. 4nights/5days stay at Patanjali wellness centre on annual spends** of INR 5 lakh, including minimum spends of INR 15,000 at Patanjali stores/website. Please note that the annual milestone spend thresholds applicable to your credit card have been revised with effect from May 10, 2026. Please note that the revised milestone criteria will be applicable to RBL Bank Patanjali Credit Cards issued on or after May 10, 2026. Cards issued on or before May 09, 2026 will continue to benefit the earlier milestone criteria until their next anniversary year. **UPI transactions of less than INR 2,000 are excluded from accrual towards annual milestone spends. **Annual spends for Milestone rewards will not be included on purchases/spends for select Merchant Categories (MCC) including: Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous & Bills2Pay and EMI conversion of retail transactions (Split-N-Pay, & EMI conversion requests placed at the time of making transactions at POS/Web/Mobile App), fees (if any), charges & GST.

Joining fee

₹1,499+ GST

Annual / renewal fee

₹1,499+ GST

Add-on card fee

₹200

Interest rate

3.99% per month (47.88% p.a.)

Interest-free period

50 days

Cash advance fee

2.5%, min ₹500

Overlimit fee

0%

Payment dishonour

₹500

Forex markup

3.50%

Reward redemption

₹99 per redemption

Fuel surcharge

1% waiver, on ₹10000–₹4000 txns, max ₹3,000/cycle