RBL Bank Patanjali Swarn
RBL Bank · Checked 2026-10-09
RBL Bank Patanjali Swarn is a paid card focused on straightforward cashback, shopping rewards and online spending, charging ₹1,499 annually before GST.
CardIQ editorial view
Our take
RBL Bank Patanjali Swarn is a paid card focused on straightforward cashback, shopping rewards and online spending, charging ₹1,499 annually before GST.
Who it suits
- People who prioritise straightforward cashback.
- People who prioritise shopping rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 10% cashback at eligible Patanjali stores/website; 1 point per ₹100 on other eligible purchases.
Trade-offs to understand
- Patanjali cashback applies to transactions of at least ₹500, capped at ₹750 per month.
- Points and cashback have different redemption rules; issuer exclusions apply.
- The ₹1,499 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 10% cashback at eligible patanjali stores/website; 1 point per ₹100 on other eligible purchases valuable enough to clear the fee. Factor in this condition: Patanjali cashback applies to transactions of at least ₹500, capped at ₹750 per month.
Compare before deciding
- PhonePe SBI Card SELECT BLACK — A similarly priced alternative for comparing shopping rewards and reward points.
- Samsung Axis Bank Signature — A lower-fee way to compare similar strengths in shopping rewards and reward points.
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Benefits, limits and conditions
- Patanjali cashback applies to transactions of at least ₹500, capped at ₹750 per month.
- Points and cashback have different redemption rules; issuer exclusions apply.