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RBL Bank Cookies Credit Card
Mastercard, Visa 📡 Contactless NFC

RBL Bank Cookies Credit Card

Joining Fee₹1,200
Annual Fee₹1,200
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Online foodies, commuters, and fashion shoppers looking for 10% cashback on Zomato, Uber, and Myntra with domestic airport lounge access.

Who Should Avoid

Users who cannot meet the ₹20,000 monthly spend threshold for lounge access.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

₹1,000 brand voucher upon spending ₹2,000 within the first 30 days of card setup

10% Cashback on Zomato, Uber & Myntra

10% cashback on online food delivery (Zomato), rides (Uber), and fashion shopping (Myntra), plus 10% off on BookMyShow.

10X Cookies Points on Dining

10 Cookies Points per ₹100 spent on dining and food delivery spends (2.5% return).

Spend-Based Annual Fee Waiver

Annual renewal fee of ₹1,200 is waived off on spending ₹1,50,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 Cookies Points = ₹0.25
Standard Base Earning
2 Cookies Points per ₹100 spent on regular retail purchases (0.50% return; 1 Cookie Point = ₹0.25)
Accelerated / Partner Rate
10% cashback on Zomato, Uber, and Myntra; 10 Cookies Points per ₹100 (2.50% return) on dining and food delivery spends; 10% instant discount on BookMyShow movie tickets
Points Validity:24 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: Direct Statement Credit (1 Cookie Point = ₹0.25), Brand Vouchers & Electronics Catalog
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active
🛫
Domestic Lounge Visits1 complimentary domestic airport lounge visit per calendar quarter (4 visits/year)
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: Requires minimum retail spend of ₹20,000 in the previous calendar month

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹150,000/yr
Annual renewal fee of ₹1,200 + GST is waived off on spending ₹1,50,000 or more in the previous anniversary year
UPI Payments Support✗ Not Supported
UPI not supported on Visa/Mastercard network
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹150/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹15,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.99% per month (47.88% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,300
Official Bank Portal Application

Get the RBL Bank Cookies Credit Card

Annual Fee: ₹1,200/yr (Waivable)

Personalized Card Matcher

Still Confused About Your Best Match?

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🔍 Related Credit Card Collections

Best Credit Cards for 720 CIBIL Score LTF Cards for Salary Under ₹15,000 All RBL Bank Credit Cards Lounge Access Credit Cards Best Mastercard Credit Cards Best Visa Credit Cards

Frequently Asked Questions

No, RBL Bank Cookies Credit Card has a joining fee of ₹1200 and an annual renewal fee of ₹1200 (plus applicable taxes).