RBL Bank Cookies vs SBI SimplySAVE Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  RBL Bank Cookies Credit CardRBL Bank4 recent changes → |  SBI SimplySAVE Credit CardState Bank of India4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.25% base, up to 1.25% on online shopping; 10% only at partner merchants | 0.17% base, up to 1.67% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 1.25% | 0.17% | |
| Dining and food delivery | 0.25%; 10% only at Zomato, Myntra, Uber | 1.67% | |
| Groceries | 0.25% | 1.67% | |
| Travel: flights, hotels, trains | 0.25% | 0.17% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | Earns nothing | 0.17% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | Earns nothing | 0.17% | |
| School and college fees | Earns nothing | 0.17% | |
| Wallet top-ups | Earns nothing | 0.17% | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 0.25% | 0.17% | |
| Everything else | 0.25% | 0.17% | |
| Card identity | |||
| Card typesame | Dining | Dining | |
| Network | Mastercard | Visa | |
| Card tiersame | Entry | Entry | |
| Fees | |||
| Joining fee | Free | ₹499 + GST | |
| Annual fee | ₹1,200 + GST | ₹499 + GST | |
| Fee waived at | ₹60,000 | ₹1,00,000 | |
| Eligibility | |||
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹150 | ₹100 | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.99% | 3.75% | |
| Interest rate (annual) | 47.88% | 45% | |
| Redemption | |||
| Redemption fee | ₹99 | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
- Rewards a year
- ₹1,320
- Fee a year
- ₹0
- You keep
- ₹1,320
At this spend, SBI SimplySAVE Credit Card comes out ₹108 a year ahead of RBL Bank Cookies Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Online shoppers
- Food delivery and cab users
- Young earners
- First-time card users
- Families with regular grocery bills
- People who eat out often
Watch-Outs
- Only about 0.25% on offline spends
- App discounts have a monthly cap
- ₹1,200 annual fee if you miss the waiver
- 3.5% forex markup
- Very low rate outside 10X categories
- Accelerated points are capped monthly
- No lounge access
Card data sourced via CardAdvisor.in (RBL Bank Cookies Credit Card, SBI SimplySAVE Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, RBL Bank Cookies Credit Card or SBI SimplySAVE Credit Card?
SBI SimplySAVE Credit Card. SBI SimplySAVE Credit Card: ₹499; RBL Bank Cookies Credit Card: ₹1,200. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
RBL Bank Cookies Credit Card has the lowest forex markup. RBL Bank Cookies Credit Card: 3.5%; SBI SimplySAVE Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: RBL Bank Cookies Credit Card 0.25%, SBI SimplySAVE Credit Card 0.17%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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