Patanjali RBL Bank Swarn Credit Card: Apply Process

Summary

Launched alongside Patanjali Ayurved, the finely crafted credit card issued by RBL Bank is the Patanjali RBL Bank Swarn Credit Card. Those who regularly purchase Patanjali products and search for satisfying money gains in return will find it fantastic. Budget and health-conscious consumers would fit this card since it enables users to gain 10% cashback on purchases at Patanjali stores or the official app, or website.   

Besides, this card has advantages beyond those of Patanjali by itself. Apart from recurring reward points on other purchases, petrol price exclusions, and cinema ticket savings, it presents fascinating welcome gifts. Those who meet specific expenditure criteria can also visit a wellness retreat or get a Patanjali gift coupon.  These features make the card attractive for travel and lifestyle activities as well as for regular transactions.    

Additionally, making UPI payments on the card helps one to connect with trustworthy systems like Google Pay and PhonePe. Since it satisfies National Common Mobility Card (NCMC) criteria, it can also be used for metro, bus, and other transit systems all throughout India.     Moreover, by means of contactless payment technologies during purchases, the card guarantees simplicity and security.

Introduction

Credit cards have evolved into a major component of our financial way of life in the current society.  Along with helping us to control our daily spending, they provide cashbacks, discounts, and numerous benefits.  Patanjali and RBL Bank have joined together to develop a unique credit card – the Patanjali RBL Bank Swarn Credit Card – keeping in mind the demands of Indian consumers.  Those who are devoted to Patanjali products and wish to take advantage of particular bonuses while purchasing should especially use this credit card.

First of all, this card presents the ideal combination of cash savings and wellness.  Patanjali is a well-known brand reliable for Ayurvedic, herbal, and natural products, so this credit card is a superb approach to make wise purchases.  Reward points, Patanjali purchase discounts, and wellness and lifestyle incentives are yours.  For individuals who follow the “Swadeshi” way of life and wish to keep healthy while saving money, this card is a perfect fit.

Furthermore, the Patanjali RBL Bank Swarn Credit Card offers advantages other than shopping ones.  Additionally available to you are fuel surcharge waivers, E MI conversion, online security, and much more.  Therefore, this card increases the value of every purchase, whether you are shopping online or at a Patanjali store close by.

Let us now address the application procedure.  Applying for a credit card seems to many people a difficult and time-consuming process.  But here the circumstances are entirely different.  Applying for the Patanjali Swarn Credit Card online or offline just requires a few easy steps and minimal documentation.  Furthermore, the procedure is easy to use and calls for no technical experience.  The application takes a few minutes to complete, and tracking its status is simple.

What is the Patanjali RBL Bank Swarn Credit Card?

Launched by RBL Bank in a joint agreement with Patanjali Ayurved, the Patanjali Swarn Credit Card is a unique co-branded credit card. Those who routinely buy Patanjali goods and wish to save money on their purchases should especially find this card useful. Along with advantages at Patanjali stores, this card entitles you to offers on other regular spending, including groceries, restaurants, petrol, and online shopping.

Furthermore, included on this credit card are fantastic reward points, cashback bonuses, and special savings on Patanjali stores and online. It enables you to keep in good health as well as to wisely handle your money. For more convenience, the card also provides EMI facility, contactless payments, and a fuel surcharge waiver.

How is the design of the Patanjali RBL Bank Swarn Credit Card?

The Patanjali RBL Bank Swarn Credit Card’s design deftly strikes a balance between practicality. The Patanjali logo, which stands for its connection with health and wellness, appears on the card in a modern and stylish manner. Reflecting the ‘Swarn’ (gold) concept, which highlights the name of the card, the gold-toned finish not only lends some elegance but also.

The card’s RuPay emblem also shows its suitability for the RuPay payment system. This link assures that cards can make perfect purchases on various outlets and systems. By touching the card at authorised terminals, customers can also fast and safely make purchases, hence enabling contactless payments. This feature provides consumer convenience, especially with regular transactions.

What are the benefits of the Patanjali RBL Bank Swarn Credit Card?

Its main benefits are broken out here:

1. 10% Cashback on Patanjali Buys

• Transactions of ₹500 or more at Patanjali stores, the Patanjali app, and the official website entitle cardholders to a 10% cashback. The maximum reward is set at ₹750 a month, so providing possible annual savings of up to ₹9,000. 

2. Greetings Bonus

• Users earn 6,000 reward points upon making a first purchase of ₹1,000 or more within 30 days of card issuance. The RBL Rewards system lets one redeem these points. 

3. Daily Spending Reward Points

• Apart from Patanjali purchases, the card provides 1 reward point for every ₹100 spent on different online and offline transactions, hence encouraging constant rewards accrual. 

4. Milestone Rewards

• Achieved with the yearly expenditure of ₹3 lakh, at least ₹12,000 spent in Patanjali stores.

• Spending ₹5 lakh annually, including a minimum of ₹15,000 at Patanjali outlets, earned four nights’ worth of wellness retreat. 

5. Access from Home Airport Lounge

• Providing they have spent ₹50,000 in the previous calendar quarter, cardholders are eligible for four complimentary domestic airport lounge visits per year (one per quarter). 

6. Tickets for Movies

• Once a month, get a “buy one get one free” offer on BookMyShow movie tickets with a maximum discount of ₹200. 

7. Waiver of Fuel Surcharge

• Up to ₹200 monthly, receive a 1% fuel fee waiver on purchases between ₹500 and ₹4,000. 

8. UPI Integration

• Easy digital payments are made possible by the card’s linking to UPI systems as Google Pay, PhonePe, and Paytm. 

What are the fees for the Patanjali RBL Bank Swarn Credit Card?

Here is a simple breakdown of the  Patanjali RBL Bank Swarn Credit Card fees.

Joining Fee	₹1,499 + GST
Annual Fee	₹1,499 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.99% per month (47.88% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Patanjali RBL Bank Swarn Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get a Patanjali RBL Bank Swarn Credit Card?

The documents that you will have to submit to get the Patanjali RBL Bank Swarn Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Patanjali RBL Bank Swarn Credit Card be used?

Here is the list of places where you can use it:

• With the Patanjali RBL Bank Swarn Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  Patanjali RBL Bank Swarn Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The Patanjali RBL Bank Swarn Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Patanjali RBL Bank Swarn Credit Card?

The credit amount you can spend is what you are provided to you with a Patanjali RBL Bank Swarn Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a Patanjali RBL Bank Swarn Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the RBL First Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by RBL First Bank; for instance, you can choose the Patanjali RBL Bank Swarn Credit Card.

• Just hover your cursor on the  Patanjali RBL Bank Swarn Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest RBL First Bank branch to apply for the Patanjali RBL Bank Swarn Credit Card.

• Request the credit card application form for the  Patanjali RBL Bank Swarn Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  Patanjali RBL Bank Swarn Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions in the envelope through the RBL First Bank Card website, mobile app, or customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Patanjali RBL Bank Swarn Credit Card in 2025 be right?

Obtaining a Patanjali RBL Bank Swarn Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is excellent and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

RBL First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

The Patanjali Swarn Credit Card is finally a wise and valuable option for those who regularly use Patanjali products and want to gain from further discounts and rewards on their daily expenses. Patanjali stores help you save money by means of cashback and reward points, but they also offer many other lifestyle benefits such as free cinema tickets, access to airport lounges, and fuel price exemptions.

Moreover, special from regular credit cards are the card’s motivating milestone incentives, which consist of Patanjali vouchers and even a free health retreat possibility. Working together, Patanjali and RBL Bank created a card promoting the “Swadeshi” movement, as well as with current features such as UPI connectivity and contactless payments.

Apart from this, the simple and user-friendly application process allows customers to apply either online or offline with the least documentation. This makes the card readily accessible to a wide range of people, from self-employed consultants to salaried staff.

Frequently Asked Questions (FAQ’s)