M16S / RBL Bank / RBL Patanjali Swarn Credit Card
entry · cobrand, cashback
RBL Patanjali Swarn Credit Card
The RBL Patanjali Swarn Credit Card costs Rs 1,499 a year. It earns 1 point per Rs 100. Accelerated earn: 10% cashback at Patanjali stores, up to Rs 750 (Card Insider). The forex markup is 3.5%. Lounge visits in India: Yes (count not read). Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Rs 1,499+ GST
- Fee waived at
- —
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 3.99%a month
Apply on rbl.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 1,499 |
| Fee notes | Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront |
Rewards
| Reward currency | Reward Points |
|---|---|
| Base earnunverified | 1 point per Rs 100 |
| Accelerated earnunverified | 10% cashback at Patanjali stores, up to Rs 750 (Card Insider) |
Travel and perks
| Domestic lounge | Yes (count not read) |
|---|---|
| Forex markup | 3.5% |
| Other freebies | Issuer listing headline: 10% cashback at Patanjali stores; first-transaction welcome rewards; domestic lounge access |
Charges and eligibility
| Interest per month | 3.99% |
|---|---|
| Late payment fee | 12.5% of total amount due, min Rs 5, max Rs 1,300 |
| Cash advance fee | 2.5% min Rs 500 |
| Fine-print notes | Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Earn rates from Card Insider's RBL listing. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants. |
Questions
- What is the annual fee of the RBL Patanjali Swarn Credit Card?
- Rs 1,499 a year, before GST.
- Does the RBL Patanjali Swarn Credit Card give airport lounge access?
- Yes. In India: Yes (count not read). Outside India: none listed.
- What is the forex markup on the RBL Patanjali Swarn Credit Card?
- 3.5% of each foreign-currency transaction, before GST.