RBL Bank Patanjali Vishisht Credit Card

The ₹5,000 line

The number that decides this card is ₹5,000. RBL pays 10% cashback on Patanjali spends, online and offline, but only on transactions of ₹500 or more and only up to ₹500 a month. You hit that ceiling at ₹5,000 of Patanjali spend in a month. Below it, every eligible Patanjali bill gets 10% back. Above it, the extra spend earns nothing extra.

RBL's headline of "₹6,000 cashback" is simply that ₹500 cap taken for all 12 months. You only get it if you spend ₹5,000 at Patanjali every single month, in bills of ₹500 or more.

One naming note: some older Reddit threads talk about a Patanjali card from PNB. This page is about the RBL Bank Patanjali Vishisht card, the ₹499 one. Its bigger sibling is the Patanjali Swarn Credit Card.

What a Patanjali month looks like

Say you buy ₹3,000 of groceries and ₹1,500 of Ayurvedic products at a Patanjali store in two bills, plus ₹12,000 of other card spends:

• Patanjali: ₹4,500 at 10% = ₹450 cashback.
• Everything else: 1 reward point per ₹100, so 120 points.

Keep each Patanjali bill at ₹500 or more. A ₹400 top-up purchase earns no cashback.

Reward points are redeemed for products on RBL's rewards portal. The bank page does not give a rupee value per point, so treat the 1 point per ₹100 as a small extra, not as the reason to apply. Points are not given on fuel, utilities, insurance, rent, education, wallet loads, government services, railways or EMI conversions.

UPI on RuPay, with a ₹2,000 rule

The card runs on RuPay, so you can link it to UPI apps. RBL names GPay, PhonePe, Mobikwik, Paytm, BHIM and Slice. Users say this was one of the few useful things about the card.

The catch: offline UPI payments below ₹2,000 earn no reward points, and those offline UPI payments below ₹2,000 do not count towards milestones either. Small QR payments at the kirana shop earn you nothing.

The milestones got much harder in May 2026

RBL revised the milestone thresholds from 10 May 2026:

• ₹500 Patanjali voucher: earlier ₹2.5 lakh yearly spend with ₹12,000 at Patanjali. Now ₹7 lakh with ₹1.5 lakh at Patanjali.
• 2 nights, 3 days at a Patanjali wellness centre: earlier ₹4 lakh with ₹15,000 at Patanjali. Now ₹10 lakh with ₹2.5 lakh at Patanjali.

Cards issued on or after 10 May 2026 get the new rules. Older cards keep the earlier criteria until their next anniversary year. For most people on a ₹499 card, the new milestones are out of reach.

Fee, welcome points and fuel

The fee is ₹499 plus GST a year. It is waived for the next year if you spend ₹1.5 lakh in a year. You get 2,000 welcome reward points on your first spend of ₹500 or more within 30 days, but only after the annual fee is paid. Fuel gets a 1% surcharge waiver on transactions of ₹500 to ₹4,000, up to ₹150 a month.

RBL also discloses that it shares revenue with Patanjali on this card.

Who should apply, and who should not

Apply if your household already spends ₹2,000 to ₹5,000 a month at Patanjali stores or on its website, in bills of ₹500 or more. At ₹5,000 a month the cashback covers the ₹499 fee in a single month; at ₹2,000 a month it takes about three months.

Skip it if Patanjali is an occasional buy. On Reddit the card is mostly treated as a novelty, and users who want a RuPay card for UPI and everyday rewards prefer the Tata Neu Infinity card, which pays on a much wider set of merchants.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva