RBL Patanjali Vishisht
KeepTen percent back at Patanjali, ₹500 a month of it, on a RuPay card that runs on UPI.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 2,000 Reward Points on a first spend of ₹500 or more within 30 days, once the membership fee is paid
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on utilities and fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹15,000 a month
At ₹15,000 a month — ₹1,80,000 a year — on the everyday mix this card returns ₹400 gross (earn ₹400) against a fee of ₹0 — the ₹499 is waived, the spend having cleared ₹1,50,000 a year = ₹400 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
Vishisht is the entry tier of RBL's Patanjali range, below Swarn, and its pitch is one number: 10% cashback at Patanjali stores and on patanjaliayurved.net, on transactions of ₹500 or more, capped at ₹500 a month. That is ₹6,000 a year for a ₹499 fee that itself reverses on ₹1.5 lakh of eligible spend — RBL puts the bar at ₹13,000 a month. Everything else earns a flat 1 Reward Point per ₹100, which is 0.25%, and there is a ₹150 monthly fuel-surcharge waiver, more generous than the ₹100 on most of the shelf. It is a RuPay card, so it links to UPI and works as an NCMC transit card. Read the milestone table carefully: RBL raised the bars sharply on 10 May 2026, and the ₹500 voucher now needs ₹7 lakh of annual spend with ₹1.5 lakh of it at Patanjali, where it used to need ₹2.5 lakh with ₹12,000. Cards issued on or before 9 May 2026 keep the old ladder until their next anniversary.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹499/yr at stake · 5 spend bands
The charge ₹499/yr
The waiver ₹1,50,000 of spend in the year before renewal — about ₹12,500 a month — and the renewal fee is not charged.
Break-even ₹15,000 a month — ₹1,80,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹600 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹1,300 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹2,500 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹7,600 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹12,600 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
RBL Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 21 Aug 2026 Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands a program these points reach
- 7 Jan 2026 RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 10% cashback at Patanjali stores and online, up to ₹500 a month — ₹6,000 a year
- Fee reverses on ₹1.5 lakh of eligible annual spend, about ₹13,000 a month
- 2,000-point welcome on a first spend of ₹500 in 30 days
- Fuel-surcharge waiver up to ₹150 a month on fills of ₹500–₹4,000
- RuPay: links to UPI in GPay, PhonePe, Paytm and BHIM, and works as an NCMC transit card
Watch out
- MILESTONES CUT ON 10 MAY 2026 — the ₹500 voucher went from ₹2.5 lakh of spend to ₹7 lakh, and the Patanjali wellness stay from ₹4 lakh to ₹10 lakh
- The 10% cashback needs individual transactions of ₹500 or more, and stops at ₹500 a month
- Offline UPI transactions under ₹2,000 earn no reward points and do not count toward milestones
- Fuel, utilities, insurance, rent, railways, education, government, wallets, cash, EMI and Bills2Pay earn nothing
- ₹99 + GST reward-redemption fee, charged once per day you redeem
- RBL charges 1% on FIVE transaction types its Schedule of Charges lists separately from the reward exclusions: rent (MCC 6513, on every transaction), fuel and auto above ₹10,000 a transaction (capped at ₹3,000), utility spends above ₹50,000 a month, education paid through third-party apps such as CRED, PhonePe or Paytm (school and college websites are exempt), and — with effect from 7 January 2026 — FASTag loading and tolls above ₹10,000 a transaction. These are FEES, listed nowhere near the reward exclusions: a category can both cost you 1% and earn you nothing
What these points actually fly
RBL Reward Points move to Club ITC — and that programme prices every award dynamically. There is no published chart to quote, so we quote nothing: an estimate is not a seat.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
15 sourced rules · 8 pay zero
A ₹499 RuPay co-brand: 10% cashback at Patanjali stores online and offline (₹6,000 a year by RBL's own reckoning) over a 1 RP/₹100 base. The page publishes the earn exclusions and a SEPARATE milestone-spend list, and both carve UPI: no reward points on offline UPI transactions under ₹2,000, and those transactions do not count toward the annual milestone either.
- Fuel · excluded Zero RP — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) heads the card's earn-exclusion table. It is conspicuously absent from the milestone list on the same page, which the desk has not been able to resolve either way, so no milestone answer is asserted for fuel
- Rent & property management · excluded Zero RP and no milestone credit — "Real Estate/Rental" (MCC 6513); 1% fee on every rental transaction bank-wide (MITC)
- Wallet loads · excluded Zero RP and no milestone credit — "Wallet/Service Providers" (MCC 6540)
- Utilities (electricity/water/gas) · excluded Zero RP and no milestone credit — "Utilities" (MCC 4900), with Bills2Pay named separately in both lists; 1% fee past ₹50,000 a month (MITC)
Does your spend count toward the fee waiver?
14 of 15 categories answered
₹1,50,000 a year is the bar that waives the ₹499 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Put your number in
₹80,000 a month of rent & property management is ₹9,60,000 a year that counts ₹0 toward the milestones.
"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." Note the milestone list — unlike the earn list — does NOT name Fuel & Auto, and RBL writes it as categories "including" these, not as a closed set
14 of 15 categories answered · per RBL Bank's own document
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
RBL Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official RBL Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
RBL Bank MITC cum Key Fact Statement, read 2026-08-17, plus the Schedule of Charges RBL-CC-SOC-V2-12-12-2025. FEE COLUMN PROVENANCE: RBL's tables have two columns headed "Annual membership Fee (1st year)" and "Annual membership Fee (2nd year onwards)" and they are NOT inverted — the first is the charge to GET the card, the second is the recurring charge. This card: RBL Bank Patanjali Vishisht Credit Card ₹499/₹499, NIL on eligible annual spends of ₹1.5 lakh. RBL publishes no income or age criteria for any card in the MITC. Other card-wide charges: cash deposit at an RBL branch ₹100; cheque return or auto-debit reversal ₹500; merchant EMI processing 1.5% or ₹150, whichever is higher; 1% on rent (MCC 6513); 1% on fuel and auto transactions above ₹10,000, capped ₹3,000; 1% on utility spends above ₹50,000 a month; 1% on education payments made through third-party apps; 1% on FASTag loading and toll transactions above ₹10,000 with effect from 7 January 2026; fuel surcharge 1% or ₹10, whichever is higher. All charges attract GST at 18%.
per the official RBL Bank MITC · reviewed 10 Jul 2026
What's changed for this card
6 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 22 Aug 2026RBL relaunches the Shoppers Stop co-brand as a Gold / Platinum / Black trio
- 21 Aug 2026Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands
- 7 Jan 2026RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet
- 1 Jul 2025RBL gates domestic lounges behind ₹35k a quarter
- 15 Oct 2024RBL strips points from education, government and wallet spends
Verified against RBL Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Product page — 10% Patanjali cashback capped at ₹500 a month, 1 RP per ₹100, 2,000-point welcome, the ₹1.5 lakh fee reversal, RuPay network, and the 10 May 2026 milestone revision
- official Schedule of Charges — "RBL Bank Patanjali Vishisht Credit Card INR 499 / INR 499 (waived off on eligible annual spends of INR 1.5 lakh)"; ₹99 + GST reward-redemption fee
- official MITC — "RBL Bank Patanjali Vishisht Credit Card ₹499 / ₹499 (NIL on eligible annual spends of ₹1.5 lakh) / ₹200 add-on"