Share

Is the RBL Bank Cookies Credit Card Worth It?

Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.

  • 207Cards to check
  • FreeCost
RBL Bank Cookies Credit Card
RBL Bank Cookies Credit CardView card →
  • Dining card
  • ₹1,416 fee a year (with GST)
  • Fee waived from ₹5,000 a month
  • 0.25% base, up to 1.25% on online shopping; 10% only at partner merchants
  • Pays in reward points
Good for
  • dining only at Zomato, Myntra, Uber: 10% back, up to ₹900 a month
  • online shopping: 1.25% back
  • spending ₹5,000 or more a month: the ₹1,416 fee is waived
Skip it if
  • you spend less than ₹5,000 a month (₹60,000 a year, rent and wallet loads not counted): the ₹1,416 fee is then charged
  • most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
  • you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • you rarely spend on Zomato, Myntra, Uber: the 10% rate applies only there, everything else earns 0.25%
  • you often pay in foreign currency: 3.5% is added to every foreign spend
  • you sometimes pay only the minimum due: interest of 3.99% a month (47.88% a year) outweighs any reward

Your spend a month, by kind

Terms on the normal rate: 1 reward point per ₹100 base (~0.25%); ₹99 redemption fee applies

Total on the card: ₹0 a month

Abroad and benefits

Every rate on this card, and what your spend earns

Earns nothing onFuelUtility billsWallet loadsRentInsuranceEducationGovernmentCash withdrawalsEMI

Spend categoryRateMonthly capWhere it appliesYour spend earns
UPI payments (scan and pay)Earns nothing-a Visa or Mastercard card cannot pay by UPI-
Online shopping1.25%No capAll merchants in the categoryTerms: 5X reward points (5 RP/₹100 ≈ 1.25%) on online spends-
Dining and food delivery0.25%No capAnywhere else in the category-
Dining and food delivery, only at listed merchants10%₹900Only at: Zomato, Myntra, UberTerms: 10% cashback at Zomato, Myntra & Uber; capped ₹900 a month with a ₹300 per-brand limit-
Groceries0.25%No capThe card's normal rate-
Travel: flights, hotels, trains0.25%No capThe card's normal rate-
FuelEarns nothing-earns nothing on this card-
Bills and rechargesEarns nothing-earns nothing on this card-
RentEarns nothing-earns nothing on this card-
Insurance premiumsEarns nothing-earns nothing on this card-
School and college feesEarns nothing-earns nothing on this card-
Wallet top-upsEarns nothing-earns nothing on this card-
Taxes and government paymentsEarns nothing-earns nothing on this card-
Spend abroad or in a foreign currency0.25%No capThe card's normal rate-
Everything else0.25%No capThe card's normal rate-

Common Questions

When is a credit card worth its annual fee?

When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.

Why is GST added to the fee?

Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.

What does 'capped' mean?

Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.

Is a lifetime free card always better?

Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works