RBL Bank Cookies Credit Card benefits
- Rewards10%
cashback on Zomato, Myntra and Uber
up to ₹300 a brand each month
- Rewards5
reward points per ₹100 on online spends
- Gift₹1,000
welcome voucher
- Gift
Vouchers worth ₹1,000 and ₹5,000 on ₹2 lakh and ₹5 lakh of yearly spends
- Fees₹100
monthly fee, waived when you spend ₹5,000 in a month
RBL Bank Cookies Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Online shopping5X reward points on online spends: 5 points per ₹100. | 5 points per ₹100 | None |
| Zomato10% cashback on Zomato, up to ₹300 a calendar month, on transactions above ₹100. We show it as points: ₹300 of cashback is the same as 1,500 points at ₹0.20. | 50 points per ₹100 | 1,500 |
| Myntra10% cashback on Myntra, up to ₹300 a calendar month, on transactions above ₹100. | 50 points per ₹100 | 1,500 |
| Uber10% cashback on Uber, up to ₹300 a calendar month, on transactions above ₹100. | 50 points per ₹100 | 1,500 |
| Everything else | 1 points per ₹100 | None |
We value one point at ₹0.2 in the usual redemption.
No rewards on: Fuel and auto, utilities, insurance, quasi-cash, rent, education, wallets, government services and railways.
All reward rules
- 1 reward point per ₹100 on other eligible spends.
- RBL Bank says you can redeem points at up to ₹0.20 each, so we use ₹0.20. Each redemption costs ₹99 plus GST.
- Brand cashback is capped at ₹900 a calendar month in total, ₹300 for each of Zomato, Myntra and Uber.
- Welcome benefit: a ₹1,000 voucher from Croma, Myntra, Amazon, Flipkart or Shoppers Stop, if you make a transaction within 30 days and pay the membership fee.
- Milestones: a ₹1,000 voucher on ₹2 lakh and a ₹5,000 voucher on ₹5 lakh of spends in a membership year.
- 10% off BookMyShow, up to ₹300 a month, once a month.
What the RBL Bank Cookies Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “a bit of everything” pattern, using Myntra and Uber and Zomato where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹6,000 | 0.2% | ₹144 |
| Dining and food delivery | ₹3,000 | 10% | ₹3,600 |
| Online shopping | ₹8,000 | 10% (limit hit) | ₹3,600 |
| Travel | ₹3,000 | 10% | ₹3,600 |
| Fuel | ₹3,000 | 0% | ₹0 |
| Bills and utilities | ₹3,000 | 0% | ₹0 |
| Everything else | ₹4,000 | 0.2% | ₹96 |
| Total | ₹30,000 | ₹11,040 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹11,040* |
RBL Bank Cookies Credit Card annual fee and charges
- Joining fee
- Free
- Annual fee
- ₹1,200
- Fee waiver
- ₹60,000 a year
A monthly fee of ₹100, before GST, instead of a yearly fee. RBL Bank waives the next month's fee in any calendar month you spend ₹5,000 or more on eligible categories. We treat this as a ₹1,200 yearly fee waived on ₹60,000 of yearly spends, which is ₹5,000 every month.
Fuel surcharge: 1% fuel surcharge waiver on transactions of ₹500 to ₹4,000, up to ₹150 a month.
RBL Bank Cookies Credit Card eligibility
RBL Bank does not list age or income rules on the Cookies card page. It checks eligibility when you apply.
The bank alone decides approval and your credit limit.
RBL Bank Cookies Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the RBL Bank Cookies Credit Card right for you?
A card with a ₹1,200 fee that spending can waive, paying 10% at Zomato and a below-average 0.2% elsewhere.
Worth its fee if you spend about ₹3,000 a month or more. Below that, the ₹1,200 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at Zomato: the card pays 10% back there, against 0.2% on most other spends.
- You spend ₹60,000 a year or more (about ₹5,000 a month), so the ₹1,200 renewal fee is waived.
Not for you if
- You spend less than about ₹5,000 a month: you would pay ₹1,416 a year with GST.
- You spend more than ₹3,000 a month at Zomato: the higher rate stops there.
- You rarely use Myntra, Uber and Zomato: outside them the card pays 0.2%.
- Much of your spending is on bills and utilities: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to RBL Bank Cookies Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| RBL Bank Cookies Credit Card | ₹1,200 | 10% | ₹1,344* |
| HSBC Live+ Credit Card | ₹999 | 10% | ₹17,100* |
| BOBCARD Select Credit Card | ₹750 | 1% | ₹1,560* |
If most of your spending looks like the example above, the HSBC Live+ Credit Card may suit you better: it would leave you ₹17,100 a year, against ₹11,040 with the RBL Bank Cookies Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the fee of the RBL Bank Cookies Credit Card?
₹100 a month, plus GST. If you spend ₹5,000 or more on eligible categories in a calendar month, the next month's fee is waived.
How much is one Cookies reward point worth?
RBL Bank says you can redeem points at up to ₹0.20 each. A ₹99 plus GST fee applies to each redemption.
Which brands give 10% cashback on the Cookies card?
Zomato, Myntra and Uber. Cashback is capped at ₹300 a brand and ₹900 in total each calendar month, and only on transactions above ₹100.
Is the Cookies card available on Visa or Mastercard?
Both. RBL Bank's network guide lists the Cookies card on Mastercard and Visa.