RBL Bank
RBL Bank Cookies Credit Card
Data last verified: 11 October 2026
- Joining feeFree
- Annual fee₹1,200 + GST
- Reward rate0.25% base, up to 1.25% on online shopping; 10% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual fee₹1,200 + GST
- Fee waiverOn ₹60,000 spend a year
- Forex markup3.5%
- Interest (APR)3.99% a month, 47.88% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹150 a month
The Cookies card is for people who shop online. Online spends earn 5X points, about 1.25% back, and you get 10% off on Zomato, Myntra, Uber and BookMyShow, with a monthly cap on the savings. Other spends earn about 0.25%. New users get a Rs 1,000 gift voucher from brands like Amazon or Flipkart on their first purchase within 30 days.
There is no joining fee. The annual fee is ₹1,200 and it is waived once you spend ₹60,000 in the year. If you spend Rs 5,000 a month, you will clear that.
It suits young online shoppers and food delivery users. The catch is the low base rate on offline spends, so it is weak as your only card.
Best for: Online shoppers, Food delivery and cab users, Young earners.
01RBL Bank Cookies Credit Card Rewards and Benefits
02RBL Bank Cookies Credit Card Annual Fee and Charges
- Joining fee
- Free
- Annual fee
- ₹1,200 + GST
- Spend-based waiver
- Annual fee waived on ₹60,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- ₹99 per request
- Forex markup
- 3.5%
- Interest rate
- 3.99% a month (47.88% a year)
- Fuel surcharge waiver
- Yes, up to ₹150 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on online shopping, earning 1.25%₹63
- ₹15,000 on everything else, earning 0.25%₹38
- Back each month, ₹1,212 a year₹101
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹1,212
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
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
04Product Details
- No joining fee, annual fee of ₹1,200
- Annual fee waived on ₹60,000 annual spend
- 5X points on online spends, about 1.25% back
- 10% off on Zomato, Myntra, Uber and BookMyShow
- ₹1,000 welcome voucher on first purchase within 30 days
- Forex markup of 3.5%
05Pros and Cons
Pros
- No joining fee
- Easy ₹60,000 fee waiver
- Useful discounts on popular apps
- ₹1,000 welcome voucher
Cons
- 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
06How RBL Bank Cookies Credit Card earns Rewards
0.25% base, up to 1.25% on online shopping; 10% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1.25% | No cap | All merchants in the categoryTerms: 5X reward points (5 RP/₹100 ≈ 1.25%) on online spends |
| Dining and food delivery | 0.25% | No cap | Anywhere else in the category |
| Dining and food delivery, only at listed merchants | 10% | ₹900 | Only at: Zomato, Myntra, UberTerms: 10% cashback at Zomato, Myntra & Uber; capped ₹900 a month with a ₹300 per-brand limit |
| Groceries | 0.25% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.25% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.25% | No cap | The card's normal rate |
| Everything else | 0.25% | No cap | The card's normal rate |
Terms on the base rate. 1 reward point per ₹100 base (~0.25%); ₹99 redemption fee applies
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07RBL Bank Cookies Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.25% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, milestone bonuses, movie ticket offers.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions of ₹500 to ₹4,000, reversed monthly and capped at ₹150 a month
- Milestone bonuses: A further ₹5,000 voucher at ₹5 lakh annual spend
- Milestone bonuses: ₹1,000 voucher at ₹2 lakh annual spend
- Movie ticket offers: 10% instant discount on BookMyShow movie ticket bookings, up to ₹300 a calendar month and claimable only once in a calendar month
08RBL Bank Cookies Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What RBL Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 7 Jan 2026 | Reduced: New 1% fee on large FASTag top-ups and toll paymentsSource: RBL Bank | No FASTag or toll transaction fee | 1% fee on any FASTag-loading or toll-payment transaction above ₹10,000 |
| 15 Oct 2024 | Reduced: New 1% fees on large fuel, utility & education spendsSource: RBL Bank | No category surcharge on fuel/utility/education | 1% on large fuel/utility & third-party education payments |
| 15 Oct 2024 | Reduced: Reward points excluded on several spend categoriesSource: RBL Bank | Base points earned across most categories | Zero points on cash, bills, education, government & similar |
| 2023 | Changed: RBL Cookies launched as successor to Monthly Treats | - | - |
See this card's change history → · All card changes in January 2026 →
10Cards Similar to RBL Bank Cookies Credit Card
RBL Bank Cookies Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | RBL Bank Cookies Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | Free | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹1,200 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.25% base, up to 1.25% on online shopping; 10% only at partner merchants | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the fee on the RBL Cookies card?
There is no joining fee. The annual fee is ₹1,200 plus GST, waived once you spend ₹60,000 in a year.
What discounts does it give?
10% off on Zomato, Myntra, Uber and BookMyShow, with a monthly limit on the savings.
What is the joining fee for the RBL Bank Cookies Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the RBL Bank Cookies Credit Card?
The annual fee is ₹1,200 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with RBL Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
