RBL Bank Cookies Credit Card
RBL Bank · Mastercard + RuPay · Entry card
A distinctive monthly-fee structure can work well for steady online spenders who clear the waiver every month.
Consistent online and UPI spenders able to cross ₹5,000 every month.
Terms checked 23 Sept 2026
- Annual fee
- ₹1,200 + GST
- Joining fee
- ₹100 + GST
- Base reward rate
- 0.2%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.2% |
| Groceries & essentials | 0.2% |
| Dining & delivery | 0.2% |
| Travel & hotels | 0.2% |
| Bills & utilities | 0.2% |
| Beauty & wellness | 0.2% |
| Entertainment & movies | 0.2% |
| Education & family | 0.2% |
| Healthcare & pharmacy | 0.2% |
| Subscriptions & streaming | 0.2% |
| Offline store shopping | 0.2% |
| International spending | 0.2% |
| Gold & jewellery | 0.2% |
| House rent | 0.2% |
| Insurance premiums | 0.2% |
| Other miscellaneous | 0.2% |
| Fuel & commute | 0% |
Caps and fee waiver
- Reward caps
- Myntra cashback: ₹300/month · Zomato cashback: ₹300/month · Uber cashback: ₹300/month
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Movies and entertainment
BookMyShow · 10% discount · up to ₹300 · 1 use/month
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 7 items
Incremental online points
Usage-based valueFour incremental points plus the one-point base produce five points per ₹100 for an eligible online transaction.
Conditions: Four incremental points plus the one-point base produce five points per ₹100 for an eligible online transaction.
Eligible offline points
Usage-based valueOne point per ₹100 on eligible offline purchases; the online increment requires explicit payment-route context.
Myntra cashback
Usage-based value10% statement cashback on settled Myntra transactions.
Conditions: 10% statement cashback on settled Myntra transactions.
Zomato cashback
Usage-based value10% statement cashback on settled Zomato transactions.
Conditions: 10% statement cashback on settled Zomato transactions.
Uber cashback
Usage-based value10% statement cashback on settled Uber ride transactions.
Conditions: 10% statement cashback on settled Uber ride transactions.
Five points per ₹100 online and one point per ₹100 offline
Shown without a cash value10% cashback up to ₹300 each per month at Myntra, Uber and Zomato
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹1,200₹1,200 annual fee before applicable tax.
Joining fee
Cost ₹100₹100 one-time joining fee before applicable tax.
Welcome benefits · 1 item
₹1,000 choice voucher
Recorded value ₹1,000Choice of an Amazon, Flipkart, Myntra, Croma or Shoppers Stop voucher.
Conditions: Complete an eligible transaction within 30 days · Pay the first monthly membership fee by its due date
Spend milestones · 2 items
₹1,000 voucher at ₹2 lakh membership-year spend
Recorded value ₹1,000Unlocked after ₹2,00,000 of eligible spending.
Conditions: Reach ₹2,00,000 per card anniversary year
Exclusions: fuelCommute
Additional ₹5,000 voucher at ₹5 lakh membership-year spend
Recorded value ₹5,000Unlocked after ₹5,00,000 of eligible spending.
Conditions: Reach ₹5,00,000 per card anniversary year
Exclusions: fuelCommute
Movies and entertainment · 1 item
BookMyShow movie offer
Usage-based · up to ₹3,60010% discount up to ₹300, 1 time per month.
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. RBL Bank does not publish one universal numeric monthly income threshold for Cookies.
Other benefits · 3 items
1% fuel-surcharge waiver on ₹500-₹4,000 transactions, capped at ₹150 monthly
Shown without a cash valueRuPay merchant-UPI support on the RuPay network variant
Shown without a cash value₹100 monthly fee waived in the next billing cycle after ₹5,000 eligible calendar-month spend
Shown without a cash value
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Five points per ₹100 online and one point per ₹100 offline
- ✓ 10% cashback up to ₹300 each per month at Myntra, Uber and Zomato
- ✓ ₹1,000 and ₹5,000 vouchers at ₹2 lakh and ₹5 lakh annual spend
- ✓ ₹100 monthly fee waived in the next billing cycle after ₹5,000 eligible calendar-month spend
What to watch
This is a ₹100 monthly-fee product, not a conventional ₹1,200 annual-fee card. Missing even one monthly spend target can trigger that month’s fee, and regulated categories are excluded from rewards and the waiver.
Recorded exclusions
Bills Utilities · Education Family · Rent · Insurance · Railway · Quasi cash · Wallet load · Government payments · Cash withdrawal · Emi · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Reward and monthly-fee-waiver exclusions expanded
RBL Bank added regulated, quasi-cash and service categories to the Cookies exclusion schedule.
- Before
- The earlier narrower exclusions applied.
- After
- The current published exclusions apply to points and the monthly fee-waiver calculation.
Checked 23 Sept 2026RBL Cookies current terms ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026 · Latest recorded change effective 15 Oct 2024