RBL Bank
RBL Bank Cookies Credit Card
This is an invite only card
Apply and get ₹800 Rewards
Top Benefits
Welcome Voucher Worth ₹1,000 on First Purchase
within 30 days of card issuance to receive a ₹1,000 brand voucher (Amazon/Flipkart/Myntra/Croma/Shoppers Stop).
10% Cashback on Myntra
also get 10% instant discount on BookMyShow movie tickets cashback credited within 60 days.
Best For
Shopping
Online Food Ordering
The RBL Bank Cookies Credit Card takes a unique approach to credit card fees and rewards. Instead of hi...
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The RBL Bank Cookies Credit Card takes a unique approach to credit card fees and rewards. Instead of hi...
The RBL Bank Cookies Credit Card takes a unique approach to credit card fees and rewards. Instead of hitting you with a hefty annual charge right away, it operates on a simple subscription model. You pay a small fee of Rs. 100 per month, which the bank waives completely if you spend just Rs. 5,000 in the previous billing cycle. This makes it a highly accessible option for young professionals, college graduates, or anyone looking to build a rewarding credit history without high upfront costs.
This card works great for people who frequently order food, book cabs, and shop online. It delivers a solid 10% cashback on everyday platforms like Zomato, Uber, Myntra, and BookMyShow. Add to that a generous Rs. 1,000 welcome voucher and accelerated reward points for all other online shopping, and you have a practical everyday companion. If you want automatic rewards on your daily digital spending without worrying about tracking complicated point conversions, this card fits the bill perfectly.
View FAQ
Commonly Asked Questions
Is the RBL Bank Cookies Credit Card lifetime free?
No, this card operates on a monthly fee model of Rs. 100, which totals Rs. 1,200 annually. However, you can easily make it effectively free by spending Rs. 5,000 or more each month to get the fee waived.
Who should apply for this card?
This card is perfect for millennials, first-time job seekers, and digital shoppers. If your monthly budget heavily features food delivery on Zomato, rides on Uber, or shopping on Myntra, the 10% cashback will save you a lot of money.
Is this a good card for building a credit history?
Yes, with an accessible minimum income requirement of just Rs. 15,000 per month for salaried workers, it serves as an excellent starting point. Using it regularly and paying your bills on time will help build a strong credit profile.
What makes this card different from standard credit cards?
Instead of a flat annual fee, it charges Rs. 100 monthly. This manageable structure, combined with flat 10% cashback on highly popular apps like Zomato and Uber, sets it apart from traditional point-based entry-level cards.
Expert Review
As a credit card expert who reviews dozens of products weekly, I find the RBL Bank Cookies Credit Card to be a breath of fresh air for young consumers. The subscription-style Rs. 100 monthly fee is brilliant. It removes the anxiety of a massive Rs. 1,000 or Rs. 2,000 annual hit to your statement, and the Rs. 5,000 waiver threshold is arguably the easiest target to hit in the Indian credit card market today.
The 10% cashback on Zomato, Uber, BookMyShow, and Myntra is outstanding value for millennials. However, my main criticism lies in its baseline reward rate. Offering an effective 0.2% return on offline spends is undeniably poor. If you buy groceries offline or shop at a local mall, this card barely rewards you. Therefore, I highly recommend this card if you are an urban professional who lives on food delivery apps and cabs, but suggest pairing it with a stronger offline cashback card for your physical retail shopping.
Joining / Annual Fee
Joining Fees
₹118 ( ₹100 + GST )
Annual Fees
₹1,416 ( ₹1200 + GST )
Unlike most credit cards that charge a single lump-sum yearly fee, this card breaks its costs down into...
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Unlike most credit cards that charge a single lump-sum yearly fee, this card breaks its costs down into...
Unlike most credit cards that charge a single lump-sum yearly fee, this card breaks its costs down into bite-sized monthly payments. The joining fee works as a recurring charge of Rs. 100 per month, which totals Rs. 1,200 annually.
However, the bank makes it incredibly easy to use this card for free. If you spend Rs. 5,000 or more in your current billing cycle, the Rs. 100 fee for the subsequent month is completely waived. For example, if your billing cycle runs from January 1 to January 30, and you spend Rs. 5,500 on groceries and Uber rides during that time, you will not pay the Rs. 100 fee in February. For anyone using this as their primary card for daily expenses, hitting Rs. 5,000 a month requires very little effort, turning this into a lifetime free card in practice.
View FAQ
Commonly Asked Questions
How much is the joining fee for this card?
The fee structure is monthly. You are charged Rs. 100 per month as a joining/annual fee, amounting to Rs. 1,200 over a full year.
How can I get the monthly fee waived?
The Rs. 100 monthly fee is waived if you spend Rs. 5,000 or more in the previous billing cycle.
If I spend Rs. 60,000 in one month, is the fee waived for the whole year?
No, the fee waiver is calculated on a month-to-month basis. You must spend Rs. 5,000 each billing month to get the waiver for the following month.
Do online spends count toward the fee waiver target?
Yes, both online and offline transactions count toward the Rs. 5,000 monthly spending requirement.
What happens if I only spend Rs. 4,000 in a month?
If you fall short of the Rs. 5,000 target, the bank will add the Rs. 100 fee (plus applicable GST) to your next monthly billing statement.
Are rent payments counted toward the Rs. 5,000 fee waiver target?
Excluded spending categories, such as rent and wallet loads, do not contribute toward the Rs. 5,000 monthly fee waiver milestone.
Is the Rs. 1,000 welcome voucher tied to paying the fee?
The welcome voucher is triggered by your first transaction within 30 days, regardless of whether you pay the first month's fee or get it waived via spends.
Can I pay the Rs. 1,200 as a single annual amount?
The fee is strictly billed at Rs. 100 per month; there is no option for a single upfront annual payment for this card.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
2LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
Getting approved for the RBL Bank Cookies Credit Card is relatively straightforward thanks to its inclu...
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Getting approved for the RBL Bank Cookies Credit Card is relatively straightforward thanks to its inclu...
Getting approved for the RBL Bank Cookies Credit Card is relatively straightforward thanks to its inclusive eligibility criteria. Both salaried employees and self-employed professionals between the ages of 21 and 60 can apply.
For salaried individuals, the bank requires a minimum monthly income of just Rs. 15,000. This low entry point makes it an ideal first credit card for fresh graduates entering the workforce. For self-employed individuals and business owners, you must provide an Income Tax Return (ITR) showing a minimum annual income of Rs. 2 Lakhs. That breaks down to roughly Rs. 16,666 a month, matching the salaried requirement closely.
You also need a healthy credit history. The bank recommends a minimum CRIF credit score of 720 for a smooth approval process. While a score of 720 does not guarantee approval, falling below it significantly increases the chances of rejection.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary applicant must be at least 21 years old to be eligible for this credit card.
What is the maximum age limit for applying?
You must be 60 years old or younger at the time of submitting your credit card application.
What is the minimum salary required for salaried professionals?
Salaried individuals need to show a minimum net monthly income of Rs. 15,000 to qualify for this card.
What are the income criteria for self-employed applicants?
Self-employed professionals must demonstrate a minimum annual income of Rs. 2 Lakhs through their latest Income Tax Returns (ITR).
Can a freelancer apply for this card?
Yes, as long as you fall into the self-employed category and can provide an ITR showing at least Rs. 2 Lakhs in annual income, you are eligible.
What credit score is needed for approval?
The bank requires a minimum CRIF credit score of 720. Maintaining a score above this threshold greatly improves your chances of approval.
Can I get this card if I have no credit history?
If you have no credit history, you can obtain this card by opening a Fixed Deposit of Rs. 30,000 or more with RBL Bank to build your profile.
Does meeting the income criteria guarantee approval?
No, approval depends on multiple factors including your income, existing debt, credit score (minimum 720), and the bank's internal verification process.
All Card Benefits
- 5 Reward Points per ₹100 on online spends
- 1 Reward Point per ₹100 on offline spends
- ₹1,000 voucher on ₹2L annual spend
- ₹5,000 voucher on ₹5L annual spend
- 10% cashback on Myntra, Zomato, and Uber
Welcome Benefits
The card makes a great first impression with its welcome offering. When you make yo...
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Welcome Benefits The card makes a great first impression with its welcome offering. When you make yo...
Welcome Benefits
The card makes a great first impression with its welcome offering. When you make your first transaction within 30 days of card activation, you receive a welcome voucher worth Rs. 1,000. You can choose to redeem this voucher across major retail brands including Amazon, Flipkart, Myntra, Croma, or Shoppers Stop. For example, if you buy a Rs. 50 coffee with your new card on the second day, you instantly qualify for a Rs. 1,000 Amazon voucher, covering your first 10 months of card fees in one go.
Reward Points Structure
Beyond direct cashback, the card offers a simple reward point structure for all other purchases. You earn 5 Reward Points for every Rs. 100 spent online, and 1 Reward Point for every Rs. 100 spent offline. Each point holds a monetary value of Rs. 0.20. To put this in practical terms: if you spend Rs. 10,000 online in a month (outside of the 10% cashback categories), you earn 500 Reward Points. Multiply those 500 points by Rs. 0.20, and you get Rs. 100 in value. This gives you an effective return rate of 1% on general online shopping and 0.2% on offline purchases.
Dining, Entertainment, and Shopping Cashback
The absolute highlight of this card is the flat 10% cashback offered on popular lifestyle platforms. You get a direct 10% cashback on Zomato food deliveries, Uber rides, Myntra shopping, and BookMyShow movie tickets. If you take an Uber to work twice a week costing Rs. 300 per trip, you spend Rs. 2,400 a month. The card gives you Rs. 240 back just on rides. Add a Rs. 1,000 weekend order on Zomato, and you save another Rs. 100. These practical, everyday savings quickly add up to outpace the monthly fee.
Milestone Benefits
The card rewards heavy users with lucrative annual milestone bonuses. If your total spending reaches Rs. 2 Lakhs in a year, you receive a voucher worth Rs. 1,000. If you manage to spend Rs. 5 Lakhs in a year, the bank rewards you with an impressive Rs. 5,000 voucher. To hit the Rs. 2 Lakh target, you need to spend roughly Rs. 16,666 per month. Hitting these targets means your everyday expenses transform into substantial end-of-year shopping sprees.
Fuel Surcharge Waiver
Driving to work gets a little cheaper with this card. It offers a 1% fuel surcharge waiver on fuel transactions ranging between Rs. 500 and Rs. 4,000 across all petrol pumps in India. For example, if you fill up your tank for Rs. 2,000, you save the Rs. 20 surcharge that banks typically impose on credit card fuel purchases. Keep your fill-ups within this window to maximize your savings.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You simply need to complete your first transaction within 30 days of activating your card. There is no large minimum spend threshold required to unlock this benefit.
What is the value of the welcome benefit?
You receive a shopping voucher worth Rs. 1,000. You can use this voucher at top brands like Amazon, Flipkart, Myntra, Croma, or Shoppers Stop.
When will I receive the welcome voucher?
Welcome vouchers are dispatched to your registered email or mobile number within 30 days of your qualifying first transaction.
Is there a minimum transaction amount for the welcome bonus?
Any transaction amount, including a small Rs. 100 mobile recharge, will trigger the welcome benefit as long as it happens within the first 30 days.
Can I choose which brand voucher I want?
Yes, you have the flexibility to choose your Rs. 1,000 welcome voucher from a curated list that includes Amazon, Flipkart, Myntra, Croma, and Shoppers Stop.
What is the standard reward rate on this card?
You earn 5 Reward Points per Rs. 100 on online spends and 1 Reward Point per Rs. 100 on offline spends. This translates to an effective return of 1% online and 0.2% offline.
What is the exact value of 1 reward point in rupees?
Each reward point on the RBL Bank Cookies Credit Card is valued at Rs. 0.20. Therefore, 5 points equal Rs. 1.
Do I earn points on fuel purchases?
No, fuel spends are explicitly excluded from earning any reward points. You will only get the fuel surcharge waiver on these transactions.
Do I earn points on utility bill payments?
Utility bill payments are part of the excluded categories. You will not earn any reward points when paying your electricity, water, or gas bills with this card.
Do I earn points on rent payments?
Rent payments do not earn any reward points. Additionally, the bank charges a 1% fee on the total transaction amount when you use the card to pay rent.
Are insurance premium payments eligible for rewards?
No, insurance payments are included in the bank's exclusion list. These transactions will not accumulate any reward points.
Does paying school fees earn reward points?
Education spends are completely excluded from the reward program. You will not earn points on school, college, or university fee payments.
How much value do I get if I spend Rs. 20,000 online?
Spending Rs. 20,000 online earns you 1,000 Reward Points (5 points per Rs. 100). At Rs. 0.20 per point, you earn Rs. 200 in total value for that spend.
How can I track my accumulated reward points?
You can check your reward point balance through the RBL Bank mobile app, net banking portal, or by logging directly into the RBL Rewards website.
Do offline grocery purchases earn the higher reward rate?
No, offline grocery shopping falls under offline spends, earning 1 Reward Point per Rs. 100. This equals a 0.2% return rate.
Which brands give me 10% cashback?
You get flat 10% cashback on transactions made on Uber, Zomato, Myntra, and BookMyShow.
Is there a monthly cap on the 10% cashback?
The 10% cashback is capped at a maximum of Rs. 300 per month for each partner brand, ensuring a balanced distribution of rewards across your lifestyle spending.
How does the Zomato cashback work?
When you use your card to pay for your Zomato order, you earn 10% of the transaction value back. For example, a Rs. 800 order will net you Rs. 80 in cashback.
Does the Uber cashback apply to all ride types?
Yes, as long as the payment is made directly through the Uber app using this credit card, you are eligible for the 10% cashback on your rides.
How is the cashback credited to my account?
The 10% cashback is issued as a statement credit, which directly reduces your outstanding bill amount in the following billing cycle.
What happens when I spend Rs. 2 Lakhs in a year?
You receive a shopping voucher worth Rs. 1,000 as a milestone reward for reaching the Rs. 2 Lakh annual spending threshold.
What is the maximum milestone benefit I can earn?
If your annual spends cross Rs. 5 Lakhs, you receive a larger milestone voucher worth Rs. 5,000.
Do rent payments count toward the milestone spending target?
Standard excluded categories, including rent payments and wallet loads, do not count toward the annual milestone spending calculations.
How do I claim my milestone voucher?
Once you cross the spending threshold, the bank will notify you. You can usually claim the voucher through the bank's mobile app or rewards portal.
If I spend Rs. 5 Lakhs, do I get both the Rs. 1,000 and Rs. 5,000 vouchers?
Milestone rewards are non-cumulative; reaching the Rs. 5 Lakh threshold awards you the Rs. 5,000 voucher, which supersedes the lower-tier Rs. 1,000 voucher.
What is the minimum fuel purchase required for the waiver?
You must spend a minimum of Rs. 500 in a single transaction at the fuel station to qualify for the 1% surcharge waiver.
Is there a maximum transaction limit for the fuel waiver?
Yes, the surcharge waiver only applies to fuel transactions up to Rs. 4,000. Any single transaction above this amount will attract the standard surcharge.
Do I earn reward points on fuel alongside the waiver?
No, fuel purchases are strictly excluded from earning reward points. You only benefit from the 1% surcharge waiver.
Is the fuel surcharge waiver available at any specific petrol pump?
The waiver is valid across all petrol pumps in India, regardless of the brand (Indian Oil, HP, Bharat Petroleum, etc.).
Milestone Benefits
Voucher Benefit(Worth ~ ₹1,000)
Spend ₹2,00,000 in 365 days
Voucher Benefit(Worth ~ ₹5,000)
Spend ₹5,00,000 in 365 days
Voucher Benefit(Worth ~ ₹1,000)
Spend ₹2,00,000 in 365 days
Voucher Benefit(Worth ~ ₹5,000)
Spend ₹5,00,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 reward point = ₹0.20
Redemption Options
- Gift Vouchers
- Merchandise
- Travel Bookings (Flights/Hotels)
To check redemption catalogue
Earning points is only half the battle; knowing how to use them maximizes your card's value. The RBL Ba...
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Earning points is only half the battle; knowing how to use them maximizes your card's value. The RBL Ba...
Earning points is only half the battle; knowing how to use them maximizes your card's value. The RBL Bank Cookies Credit Card features a straightforward redemption process handled entirely through their dedicated portal at https://www.rblrewards.com/.
Every reward point you earn is worth Rs. 0.20. The bank gives you full flexibility on how to spend these points. You can log into the portal and exchange your points for gift vouchers from top brands, pick out merchandise from their catalogue, or use them to book flights and hotel stays directly. Furthermore, the bank does not charge any reward redemption fees. If you have 5,000 reward points, that translates exactly to Rs. 1,000 in purchasing power. You get to use the entire Rs. 1,000 without losing a single rupee to hidden processing fees.
View FAQ
Commonly Asked Questions
Where do I go to redeem my reward points?
You need to visit the official redemption portal at https://www.rblrewards.com/ to view and redeem your accumulated points.
What can I get in exchange for my points?
You can redeem your points for a variety of options including brand gift vouchers, electronics and merchandise, or travel bookings like flights and hotels.
How much is a single reward point worth?
One reward point is equivalent to Rs. 0.20. This means you need 5 points to equal 1 Rupee of value.
Is there a fee to redeem my points?
No, the bank explicitly states that there is no fee charged when redeeming reward points on this card.
Can I use my points to pay my credit card bill?
Reward points on this card are redeemable for vouchers and travel bookings but cannot be used for direct statement credit against your outstanding bill.
If I have 10,000 points, what is my redemption value?
Since each point is worth Rs. 0.20, your 10,000 points will give you Rs. 2,000 worth of value to spend on vouchers or travel.
Do my reward points expire?
Reward points earned on the Cookies card remain valid for exactly 24 months from the date of accumulation before they lapse.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
Auto
Rental
Utility Bill Payments
Insurance Payments
Railways
Education Spends
Govt. Services
ATM Cash Withdrawals
Contracted Services
Quasi-Cash
Miscellaneous
For Spends Waiver
EMI Spends
Fuel Spends
Railways
Utility Bill Payments
Insurance Payments
Govt. Services
Quasi-Cash
Contracted Services
ATM Cash Withdrawals
Bills2Pay
To use this card effectively, you must understand where it does not earn rewards. Banks exclude certain...
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To use this card effectively, you must understand where it does not earn rewards. Banks exclude certain...
To use this card effectively, you must understand where it does not earn rewards. Banks exclude certain merchant categories from their reward programs to prevent misuse and maintain profitability. On this card, you will not earn any points on Fuel Spends, Auto payments, Rental transactions, Utility Bill Payments, Insurance Payments, Railways bookings, Education Spends, Government Services, ATM Cash Withdrawals, Contracted Services, Quasi-Cash (like wallet reloads), Miscellaneous items, EMI Spends, and Bills2Pay.
For example, if you pay a Rs. 15,000 annual life insurance premium using this card, you will not earn the standard offline reward points for that transaction. Similarly, converting a large electronics purchase into an EMI means that specific transaction stops earning reward points. Knowing these exclusions helps you decide when to use this card and when an alternate payment method might be better.
View FAQ
Commonly Asked Questions
Will I earn points if I load money into my Paytm or Amazon Pay wallet?
No, wallet loads fall under Quasi-Cash transactions, which are completely excluded from earning any reward points.
Does paying my electricity bill earn online reward points?
No, Utility Bill Payments are strictly excluded. You will not earn the 5 RPs per Rs. 100 on your electricity, water, or gas bills.
What happens if I convert a purchase into an EMI?
EMI Spends are on the exclusion list. Once a transaction is converted into an EMI, it no longer qualifies for reward points.
Are train tickets booked on IRCTC eligible for rewards?
No, Railway transactions are excluded from reward earning. Furthermore, a 1% surcharge is added when booking railway tickets.
Can I earn points by paying my child's tuition fees?
No, Education Spends are excluded. You will not earn any cashback or points for school or college fee payments.
If I pay my house rent with this card, do I get points?
No, Rental payments are excluded from rewards. Additionally, the bank charges a 1% fee on rent payment transactions.
Are taxes paid to the government eligible for rewards?
No, transactions classified under Government Services do not accumulate any reward points on this card.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees Interest is charged at 3.99% per month (annualized rate of 47.88%) on outstanding balances and unpaid dues. | 3.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges. | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees Cash payment at bank branches will attract a fee of ₹100 per transaction. | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5,000 | ₹500 |
| ₹5,001 - ₹10,000 | ₹700 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1,100 |
| ₹50,001+ | ₹1,300 |
Understanding a credit card's fee structure is crucial to avoiding surprise charges and debt traps. The...
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Understanding a credit card's fee structure is crucial to avoiding surprise charges and debt traps. The...
Understanding a credit card's fee structure is crucial to avoiding surprise charges and debt traps. The RBL Bank Cookies Credit Card keeps its fee model relatively transparent, relying heavily on a monthly subscription format rather than annual lump sums, though some standard penalty charges still apply.
The Joining Fee is structured as a monthly charge of Rs. 100 (totaling Rs. 1,200 annually). However, the bank offsets this by waiving the Rs. 100 fee if you spend Rs. 5,000 or more in a billing cycle. This means active users practically pay nothing to join.
The Annual or Renewal Fee follows the exact same pattern. You are charged Rs. 100 every month. If you spent Rs. 5,000 in the previous month, this fee is waived. For example, spending Rs. 5,200 in March means your April statement will not carry the Rs. 100 charge.
The APR or Interest Rate on this card is 3.75% per month, which equals a steep 45% per annum. If you have an unpaid bill of Rs. 10,000 and carry it forward, the bank will charge you roughly Rs. 375 in interest for just one month. Always pay your full bill to avoid this.
Late Payment Charges apply if you fail to pay even the minimum amount due by the deadline. These fees range from Rs. 100 to Rs. 1,300 depending on the specific outstanding balance slab of your statement.
A Foreign Transaction or Forex Markup Fee of 3.5% applies to any purchase made in a foreign currency. If you buy a software subscription online billed at USD 100 (roughly Rs. 8,300), the bank adds a 3.5% fee, costing you an extra Rs. 290 just for the currency conversion.
For ATM Cash Withdrawals, using a credit card is notoriously expensive. Cash withdrawals attract a 2.5% transaction fee (minimum Rs. 500) and incur immediate interest charges at 3.75% per month from the date of withdrawal until the amount is repaid.
The Rent Payment Convenience Fee is set at 1% of the transaction amount. If you try to meet a spending milestone by paying your Rs. 20,000 monthly house rent via this card, the bank will charge you an extra Rs. 200 as a processing fee.
A Railway Surcharge of 1% is applied to transactions made for booking train tickets. If you book a family trip on IRCTC costing Rs. 5,000, expect to see an additional Rs. 50 surcharge added to your card statement.
The Cash Payment Fee is Rs. 100. If you walk into an RBL Bank branch and hand over physical cash to clear your credit card bill, this Rs. 100 fee is added to your next billing statement. Always pay digitally via UPI or net banking to avoid this.
There is No Cheque Payment Fee charged by the bank. If you prefer dropping a cheque at a drop-box to clear your dues, you can do so without incurring additional processing charges (provided the cheque does not bounce).
Finally, the Reward Redemption Fee is Not Applicable. Unlike many modern cards that charge Rs. 99 just to use your points, RBL allows you to redeem your reward points completely free of charge, preserving their full value.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 100/month |
| Annual Fee | Rs. 100/month (Waived on Rs. 5k spend) |
| Interest Rate (APR) | 3.75% per month (45% annually) |
| Forex Markup | 3.5% |
| Rent Payment Fee | 1% of transaction amount |
| Railway Surcharge | 1% |
| Cash Payment Fee | Rs. 100 |
| Cheque Payment Fee | N/A (Free) |
| Reward Redemption Fee | Not Applicable (Free) |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The card charges a monthly joining fee of Rs. 100. This adds up to Rs. 1,200 annually if you never meet the waiver criteria.
What is the annual or renewal fee?
Just like the joining fee, the annual renewal fee is billed at Rs. 100 per month.
Is there an annual fee waiver based on spending?
Yes, the Rs. 100 monthly fee is completely waived if you spend Rs. 5,000 or more in the previous billing cycle.
What is the interest rate (APR) if I don't pay my full balance?
The bank charges a very high interest rate of 3.75% per month, which translates to 45% per annum on unpaid balances.
How is the interest calculated on outstanding balances?
Interest is charged daily on your outstanding balance from the date of purchase until the bill is fully paid. For example, leaving Rs. 10,000 unpaid adds roughly Rs. 375 in interest over one month.
What is the forex markup for international transactions?
A 3.5% markup fee is applied to all international transactions. Spending Rs. 10,000 on a foreign website will cost you an extra Rs. 350 in fees.
Can I withdraw cash using my credit card?
Cash withdrawals are permitted up to 20% of your credit limit but attract a 2.5% transaction fee and immediate interest charges at 45% per annum.
Are there fees for paying rent with this card?
Yes, paying rent via third-party platforms with this card incurs a direct 1% bank fee on the transaction amount.
Is there a fee for paying my bill in cash?
Yes, if you walk into a branch and pay your credit card bill with physical cash, a Rs. 100 processing fee is added to your next statement.
What are the charges for cheque payment of bills?
There is no fee charged for paying your credit card bill via cheque, making it a free offline payment alternative to cash.
Are there charges for railway ticket bookings?
Yes, a 1% surcharge is applied automatically whenever you use this card to book train tickets on IRCTC or partner platforms.
Is there a fee to redeem my reward points?
No, reward point redemption is completely free. You can convert your points into vouchers or flights without paying any processing fee.
What are the late payment charges?
Late payment penalties range from Rs. 100 for balances under Rs. 500 up to Rs. 1,300 for balances exceeding Rs. 50,000.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
Is a PAN card mandatory for applying?
Yes, a valid PAN card is strictly mandatory for the credit check and must be shown physically during the Video KYC process.
What documents are needed to prove my address?
Your Aadhaar card is the preferred address proof. You can also use a valid Passport, Voter ID, or a recent utility bill in your name.
Can I apply using an offer letter instead of salary slips?
No, an offer letter is generally not accepted. You need to provide actual salary slips from the last 2 months reflecting an income of at least Rs. 15,000 per month.
What is the required income proof for self-employed applicants?
Self-employed individuals must submit their latest ITR documents demonstrating an annual income of Rs. 2 Lakhs or more.
Do I need to submit physical copies of my documents?
No, if you opt for the digital application with Video KYC, you only need to show the original physical documents to the camera. No paper copies are required.
What happens if my Aadhaar address does not match my current address?
If your current living address differs from your Aadhaar, you will need to provide secondary address proof like a rental agreement or utility bill for your current location.
Who Should Get This Card?
If you are a young professional stepping into your first job, this card is built for you. Earning Rs. 15,000 a month is enough to qualify, making it highly accessible. If your weekends consist of ordering Zomato, booking BookMyShow tickets, and taking Ubers, the 10% cashback will actively reduce your lifestyle expenses. Moreover, the low Rs. 5,000 monthly waiver threshold means you can maintain a premium-feeling card without paying annual fees.
On the other hand, who should skip this card? If you travel internationally often, the 3.5% forex markup will hurt your wallet. Similarly, if your major expenses involve high-value electronics, jewelry, or fuel, the low 0.2% offline reward rate and fuel reward exclusions mean you won't get much value here. Serious travelers or heavy offline shoppers should look at dedicated travel or premium lifestyle cards instead.
Credit Limit and What to Expect
Your credit limit is not a fixed number for all applicants; it is tailored directly to your financial profile. When RBL Bank evaluates your application, they look closely at your monthly income (minimum Rs. 15,000 for salaried), your CRIF score (minimum 720), and any existing debts or loans you hold. A young professional earning Rs. 25,000 a month might receive an initial limit of Rs. 40,000, while someone with an established credit history and higher income could receive a limit exceeding Rs. 1 Lakh.
View FAQ
Commonly Asked Questions
What is the minimum credit limit I can expect?
Initial credit limits for new-to-bank applicants with a Rs. 15,000 monthly income start at Rs. 25,000 and scale upward based on your specific credit profile.
How does the bank decide my credit limit?
The bank calculates your limit based on your stated income, your credit score, your repayment history, and your current debt-to-income ratio.
Can I request a higher credit limit later?
Yes, after 6 months of consistent card usage and on-time bill payments, you qualify to request a credit limit enhancement through the bank's mobile app.
Will checking my credit limit affect my credit score?
No, seeing your assigned limit after approval does not hurt your score. Only the initial hard inquiry during the application process causes a minor, temporary dip.
Does spending up to my full limit hurt my score?
Yes, constantly maxing out your credit limit increases your credit utilization ratio, which can negatively impact your credit score over time. Keep spends below 30% of your limit for optimal scores.
How to Apply?
Applying for the RBL Bank Cookies Credit Card is a fully digital, paperless process. You can start by visiting the official RBL Bank website or applying through trusted financial partner platforms. You will need to fill in your basic details, including your PAN, employment status, and monthly income.
Once you submit your application and pass the initial eligibility check, you will be directed to a Video KYC process. Video KYC allows you to verify your identity from your home. You simply need a smartphone with a working camera, a stable internet connection, and your original PAN card handy. An agent will verify your details over a brief video call, and your application will be sent for final processing.
View FAQ
Commonly Asked Questions
Can I apply for this card entirely online?
Yes, the application process is 100% digital. You can apply on the bank's website and complete your verification via Video KYC.
What documents do I need for Video KYC?
You only need your original physical PAN card and a blank piece of paper with a pen to provide your signature during the live call.
How long does the approval process take?
Once your Video KYC is completed successfully, the bank usually takes 7 to 10 working days to process and dispatch the card.
Can self-employed people apply online too?
Yes, self-employed applicants can follow the same online process. Ensure you have your recent ITR details ready to prove your annual income of Rs. 2 Lakhs.
What should I do if my Video KYC fails?
If your internet drops or the call fails, you can usually restart the Video KYC from the link sent to your email. If it fails multiple times, the bank may arrange for physical document collection.
How can I track my card application?
You will receive an Application Reference Number via SMS. You can use this number on the RBL Bank website's tracking portal to check your status.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹800 Rewards
Top Benefits
Welcome Voucher Worth ₹1,000 on First Purchase
within 30 days of card issuance to receive a ₹1,000 brand voucher (Amazon/Flipkart/Myntra/Croma/Shoppers Stop).
10% Cashback on Myntra
also get 10% instant discount on BookMyShow movie tickets cashback credited within 60 days.
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