MyFinCards
Cookies Credit Card

Joining Fee

Free

Annual Fee

Rs. 1200 (Reversed on annual spends of Rs. 0.05 Lakhs)

RBL Bank
Lifestyle
Cashback
Rewards
Shopping
Best For: Online shoppers, Food delivery users (Zomato), Fashion shoppers (Myntra), Ride-hailing users (Uber), Movie goers (BookMyShow)

Cookies Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.2

Pros

  • Low monthly fee of just INR 100 + GST
  • 5X Reward Points on online spends
  • 10% cashback on Zomato, Myntra, and Uber
  • Monthly fee waiver on INR 5,000 spend
  • Welcome gift voucher of INR 1,000
  • Milestone vouchers up to INR 6,000 per year
  • 10% discount on BookMyShow up to INR 300/month
  • Fuel surcharge waiver up to INR 150/month

Cons

  • Reward redemption fee of INR 99 + GST
  • Cashback capped at INR 300 per brand per month
  • Welcome benefit only for full fee cardholders

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Reward redemption fee of INR 99 + GST per redemption day

Welcome voucher mailed within 60 days of card issuance

Milestone vouchers delivered within 45 days of meeting spend criteria

Many MCC categories excluded from eligible spends effective October 15, 2024

Key Benefits & Features

Welcome gift voucher of INR 1,000 (Croma, Myntra, Amazon, Flipkart, Shoppers Stop) on first transaction within 30 days

Monthly fee waiver if spend INR 5,000 or more in a calendar month on eligible categories

5X Reward Points on online spends

Notable Exclusions

Transactions on Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Miscellaneous, Cash, EMI (Split-N-Pay & EMI during transaction), and Bills2Pay are not eligible for benefits.

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Cookies Credit Card

The RBL Bank Cookies Credit Card is designed to suit your daily digital-first lifestyle, offering a host of rewards and savings at a low monthly fee of just INR 100. New cardholders receive a welcome gift voucher worth INR 1,000, redeemable at popular brands including Croma, Myntra, Amazon, Flipkart, and Shoppers Stop, upon making a transaction within 30 days of card issuance. The card rewards online spenders with 5X Reward Points on eligible online transactions, with each point redeemable at up to INR 0.20. Cardholders also enjoy 10% cashback on Zomato, Myntra, and Uber, capped at INR 300 per brand per month. A 10% instant discount of up to INR 300 per month is available on BookMyShow, making it an excellent choice for movie lovers. Milestone spenders can unlock vouchers worth INR 1,000 and INR 5,000 upon reaching INR 2 lakh and INR 5 lakh in annual spends respectively. Additional perks include a monthly fee waiver when spending INR 5,000 or more in a calendar month, and a fuel surcharge waiver on transactions between INR 500 and INR 4,000. Whether you love food, fashion, travel, or entertainment, the Cookies Credit Card delivers a rewarding and delightful everyday experience.

Expert Review

Our Verdict

Low monthly fee lifestyle card with 5x rewards on online spends and 10% cashback on Zomato, Uber & Myntra.

Frequently Asked QuestionsAbout Cookies Credit Card

FEESWhat is the annual fee for the RBL Bank Cookies Credit Card?
The RBL Bank Cookies Credit Card has a monthly membership fee of INR 100 + GST, which totals INR 1,200 per year (plus applicable GST). However, you can get the monthly fee waived if you spend INR 5,000 or more on eligible categories in a calendar month. This waiver applies to the subsequent month's membership fee, making it effectively free if you meet the spending threshold each month.
FEESHow can I get the monthly membership fee waived on the Cookies Credit Card?
You can get the monthly membership fee of INR 100 + GST waived by spending INR 5,000 or more on eligible categories in a calendar month. Upon meeting this spend threshold, the subsequent month's membership fee will be waived automatically. Note that certain categories such as fuel, utilities, insurance, government services, wallet top-ups, and EMI transactions are excluded from eligible spends for this benefit.
BENEFITSWhat welcome benefit do I get with the Cookies Credit Card?
New Cookies Credit Card holders receive a welcome gift voucher worth INR 1,000. You can choose from popular brands including Croma, Myntra, Amazon, Flipkart, and Shoppers Stop. To avail this benefit, you must make at least one transaction within 30 days of the card's issuance. Please note that this benefit is exclusively available to full fee cardholders who have paid the membership fee. The voucher will be mailed to you within 60 days of card issuance.
REWARDSHow many Reward Points do I earn on the Cookies Credit Card?
With the Cookies Credit Card, you earn 1 Reward Point for every INR 100 spent on eligible categories. For online spends, you earn an accelerated 5X Reward Points, meaning 5 Reward Points per INR 100 spent online. Each reward point can be redeemed for up to INR 0.20 in value. Note that certain categories like fuel, utilities, insurance, government services, railways, and wallet top-ups are excluded from eligible spends.
REWARDSWhat cashback benefits are available on Zomato, Myntra, and Uber with the Cookies Credit Card?
The Cookies Credit Card offers 10% cashback on spends made on Zomato, Myntra, and Uber. This cashback is offered in addition to any existing discounts on these apps. The maximum cashback is capped at INR 900 per calendar month in total, with a limit of INR 300 per brand per month. Your cashback will be reflected on your monthly credit card statement. For complete details, refer to the terms and conditions on the RBL Bank website.
BENEFITSWhat are the milestone benefits on the Cookies Credit Card?
The Cookies Credit Card offers milestone vouchers based on your annual spending. You can unlock a voucher worth INR 1,000 upon spending INR 2 lakhs in a membership year, and a voucher worth INR 5,000 upon spending INR 5 lakhs in a membership year. Vouchers are available from popular brands such as Amazon, Flipkart, Myntra, Croma, and Shoppers Stop. Your chosen vouchers will be delivered within 45 days of meeting the eligible spend criteria.
BENEFITSWhat is the BookMyShow discount available on the Cookies Credit Card?
Cookies Credit Card holders can enjoy a 10% instant discount on BookMyShow, up to a maximum of INR 300 per month. This benefit is applicable on movie bookings made through the BookMyShow app or website. The discount can be availed once per month. For complete details and applicable terms, refer to the BookMyShow offer terms and conditions on the RBL Bank website.
BENEFITSIs there a fuel surcharge waiver on the Cookies Credit Card?
Yes, the Cookies Credit Card offers a fuel surcharge waiver on fuel transactions between INR 500 and INR 4,000. The surcharge reversal is processed monthly, with a maximum waiver of INR 150 per month. The reversal will be reflected in your monthly credit card statement. Please note that effective October 15, 2024, fuel spends are not considered eligible for reward points accrual on this card.
USAGEIs there a fee to redeem Reward Points on the Cookies Credit Card?
Yes, a reward redemption fee of INR 99 + GST is applicable when you redeem your reward points on the RBL Bank Cookies Credit Card. This fee has been in effect since August 15, 2022. For redemptions made in a single day, this fee is charged only once, regardless of the number of redemptions. You can redeem reward points through the RBL MyCard App or via the bank's online portal.
REWARDSWhat categories are excluded from earning Reward Points on the Cookies Credit Card?
Effective October 15, 2024, the following transaction categories are not eligible for Reward Points on the Cookies Credit Card: Fuel & Auto, Utilities, Insurance, Quasi-Cash transactions, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Miscellaneous (MCC 5960), Cash withdrawals, EMI transactions (including Split-N-Pay and EMI at the time of transaction), and Bills2Pay transactions. It is advisable to review the full terms and conditions for a detailed list of excluded MCCs.
BENEFITSWhat is the total value of vouchers I can earn in a year with the Cookies Credit Card?
With the Cookies Credit Card, you can earn vouchers worth up to INR 7,000 in a membership year. This includes a welcome gift voucher of INR 1,000 for new cardholders, plus milestone vouchers of INR 1,000 on spending INR 2 lakhs and INR 5,000 on spending INR 5 lakhs annually. Vouchers are available from brands like Amazon, Flipkart, Myntra, Croma, and Shoppers Stop.
APPLICATIONHow do I apply for the RBL Bank Cookies Credit Card?
You can apply for the RBL Bank Cookies Credit Card online by clicking the 'Apply Now' button on the official RBL Bank Cookies Credit Card page at rblbank.com. The application process is digital and straightforward. You will need to provide your personal details, income information, and KYC documents as part of the application. You can also visit the nearest RBL Bank branch for assistance with your application.
DOCUMENTSWhat documents are typically required to apply for the Cookies Credit Card?
While specific document requirements are not listed on the card page, standard documents typically required for RBL Bank credit card applications include: a valid identity proof (Aadhaar card, PAN card, or passport), address proof (utility bills, Aadhaar, or passport), recent passport-sized photographs, and income proof such as the latest salary slips, Form 16, or IT returns. It is recommended to visit the official RBL Bank website or contact RBL Bank directly to confirm the exact documents required.
INTERNATIONALCan I use the Cookies Credit Card for international transactions?
The page does not explicitly mention international usage or a specific forex markup rate for the Cookies Credit Card. For international transactions, most credit cards attract a foreign currency markup fee. It is advisable to contact RBL Bank customer care or check the Schedule of Charges on the RBL Bank website for details on the applicable forex markup fee before using the card abroad.
CANCELLATIONHow can I cancel or close my RBL Bank Cookies Credit Card?
To cancel or close your RBL Bank Cookies Credit Card, you can contact RBL Bank customer care through their helpline or by raising a query/complaint on the RBL Bank website or the RBL MyCard App. You can also visit the nearest RBL Bank branch in person to submit a card closure request. Ensure that all outstanding dues are settled and any pending reward points are redeemed before initiating the cancellation process.

Related Lifestyle Cards

Explore other premium credit cards that offer similar benefits and rewards.

View all Lifestyle cards
811 Dream Different Credit Card
RewardsCashbackFuel

811 Dream Different Credit Card

Interest-free cash withdrawal up to 48 days; cash withdrawal up to 90% of total credit limit; Rs. 100 processing fee per ATM withdrawal

Credit limit up to 90% of fixed deposit amount; credit limit known upfront at time of application

Joining Fee
N/A
Annual Fee
Rs. 0 + Taxes
ACE Credit Card
Rewards

ACE Credit Card

Detailed benefits inside

Joining Fee
₹499
Annual Fee
₹499
Adani One Platinum
TravelLifestyleRewardsFuel

Adani One Platinum

2 instances of Valet Parking annually at Adani-managed airports

2 instances of Premium car parking on card activation

Joining Fee
₹750
Annual Fee
₹750

More from RBL Bank

Discover the full range of credit cards offered by RBL Bank to find the perfect fit for your finances.

View all RBL Bank cards
Apex Credit Card
CashbackLifestyleTravel

Apex Credit Card

Welcome vouchers worth over INR 1,700 on first transaction within 30 days and paying membership fee in first billing cycle

Joining Fee
₹1,000
Annual Fee
₹1,000
Aspire Banking Credit Card
CashbackLifestyleTravel

Aspire Banking Credit Card

Detailed benefits inside

Joining Fee
N/A
Annual Fee
₹1,500
Binge Credit Card
RewardsLifestyleShopping

Binge Credit Card

Easy Cash: Unlimited ATM cash withdrawal up to available cash limit till billing date. Processing fee 2.5% (min INR 500).

12 Reward Points per INR 100 on all online spends (max 800 Reward Points per month), excluding online purchases as specified.

Joining Fee
₹999
Annual Fee
₹999