RBL Bank Monthly Treats Credit Card
RBL Bank · Closed to new applicants
A closed predecessor of Cookies 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, and ₹1,000 and ₹5,000 vouchers at ₹2 lakh and ₹5 lakh of annual spend. No welcome benefit is stated.
- 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
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, Monthly Treats Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, Monthly Treats Credit Card Terms and Conditions (file dated 5 Dec 2019) (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)