RBL Bank Cookies Credit Card
RBL Bank · Open to apply
A digital-first card with a ₹100 monthly fee that is waived in a month after you spend ₹5,000: 5 reward points per ₹100 online and 1 offline, 10% cashback on Zomato, Myntra and Uber (₹300 a brand a month), 10% off BookMyShow, a ₹1,000 welcome voucher and ₹1,000 and ₹5,000 vouchers at ₹2 lakh and ₹5 lakh of annual spend.
- Annual fee
- ₹1,200 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹60,000 spend per card year
- Base rate
- 1 reward point per ₹100 on offline spends: 1 RBL Reward Points per ₹100 (about 0.2% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10% cashback on Zomato (₹300 a month): 10% cashback on top of the base rate (about 10% at cash value)
- 10% cashback on Myntra (₹300 a month): 10% cashback on top of the base rate (about 10% at cash value)
- 10% cashback on Uber (₹300 a month): 10% cashback on top of the base rate (about 10% at cash value)
- 5 reward points per ₹100 on online spends: 5 RBL Reward Points per ₹100 (about 1% at cash value)
Earns nothing on
- No reward points on fuel and auto, utilities, wallet, rent, insurance, quasi-cash, cash, education, government services and miscellaneous
- No reward points on railways
- No reward points on EMI conversions
Where the sources disagree
- exclusions for the milestone vouchers and the monthly fee waiver: The page's note applies its long exclusion list (fuel, utilities, insurance, rent, education, wallets, government, contracted services, Bills2Pay, EMI) to reward points and the milestone benefit; the T&C 3.6 excludes only EMI, fuel, cash withdrawals, fees, charges and GST from the milestone, and 3.2 only EMI, cash, fees, charges and GST from the fee waiver (its example also drops fuel, railway, electricity and education). The T&C is used for the milestones; the waiver keeps the wider list as an approximation.
- welcome voucher delivery: The page says the voucher is mailed within 60 days of issue; the T&C says within 90 days and after the first month's fee is paid. Neither changes the value.
Terms the calculator does not value
- The ₹100 monthly fee and its monthly waiver (₹5,000 of eligible spend in a month waives the next month) are approximated as ₹1,200 a year waived at ₹60,000 of annual spend. A holder who spends unevenly pays more or less than that.
- Contracted services (MCCs 1711, 1740, 0763, 1520, 0742, 1761, 1799, 1750, 1731, 1771, 0780) and Bills2Pay (utility bills paid in RBL's app or net banking) earn no points, per the page's note, but the T&C's own exclusion list (2.12) names the first and not Bills2Pay; neither has a category here.
- The point value is "up to ₹0.20" with no published table; the card's value moves with it.
Sources
- RBL Bank, Cookies Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, Cookies Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank, Most Important Terms and Conditions cum Key Fact Statement for Credit Cards (PDF modified 2026-08-20) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- RBL Bank, Schedule of Charges for credit cards, RBL-CC-SOC-V2-04-06-2026 (Schedule of charges, the bank's own, read 6 Nov 2026)
- RBL Bank Rewards terms and conditions (Reward terms, the bank's own, read 6 Nov 2026)