← Part of RBL Credit Cards in India
The RBL Bank Cookies Credit Card is an entry-level, lifestyle-centric card designed for budget-conscious users in India, offering up to 10% cashback on popular digital platforms like Myntra, Zomato, and Uber. As of 2026, IT provides a ₹1,000 welcome voucher and a monthly membership fee of ₹100, which is waived on spending ₹5,000 or more.
| Parameter | Details |
|---|---|
| Card Name | RBL Bank Cookies Credit Card |
| Issuing Bank | RBL Bank Limited |
| Card Type | Entry-level, Lifestyle-centric Credit Card |
| Target User | Budget-friendly users, lower spenders, digital-first lifestyle, those seeking rewards on specific partners |
| Monthly Membership Fee | ₹100 (waived on spending ₹5,000 or more in the previous month) |
| Annual Fee | ₹500 (waived on annual spends of ₹1 lakh) |
| Reward Program Value-back | Up to 1% |
| Reward Point Value | ₹0.25 per point |
| Reward Redemption Fee | ₹99 + GST (one-time fee per day of redemption, effective August 15, 2022) |
| Cashback on Myntra, Zomato, Uber | 10% (capped at ₹300 per month per category, as of 2026) |
| Fuel Surcharge Waiver | Up to ₹150 per month (for transactions between ₹500 to ₹4,000) |
| Welcome Benefit | ₹1,000 welcome gift voucher (as of 2026) |
| Milestone Benefit (Annual Spend) | ₹1,000 voucher on annual spend exceeding ₹2 lakh; ₹5,000 voucher on annual spend exceeding ₹5 lakh (as of 2026) |
| Partner Platforms for Offers | Myntra, Zomato, Uber, Flipkart, Amazon, BookMyShow, Croma, Shoppers Stop |
| Minimum Age for Primary Cardholder | 21 years (general RBL Bank credit card eligibility) |
| Application Method | Online via RBL Bank’s official website, CreditMantri, or customer care |
| Documents Required | Personal details, PAN Card, Income details, Valid Passport (issued by Govt. Of India) |
| Selection Process | Bank evaluates application, conducts hard enquiry on credit report, contacts for KYC documents, approves if eligibility met. |
| Customer Care Contact | +91 22 6232 7777 (general inquiries), 18001 121 9050 (toll-free), cardservices@rbl.bank.in (24/7 availability) |
This card is particularly beneficial for individuals who frequently engage in online shopping, food delivery, and ride-sharing, offering tangible savings through its cashback and voucher programs.
RBL Bank Cookies Credit Card in India: Types, Categories & Key Components Explained
The RBL Bank Cookies Credit Card is an entry-level, budget-friendly card designed for a digital-first lifestyle in India. IT offers tailored benefits, including 10% cashback on platforms like Myntra, Zomato, and Uber, with a monthly cashback CAP of ₹300 per category as of 2026. This card focuses on rewards and savings across popular spending categories for relatively lower spenders.
| Type/Category | Details | Key Feature |
|---|---|---|
| Credit Card Type | Entry-level, budget-friendly credit card | Tailored benefits for a digital-first lifestyle, rewards and savings across popular spending categories |
| Monthly Membership Fee | ₹100 per month | Waived off on spending ₹5,000 or more in the previous month |
| Reward Redemption Fee | ₹99 + GST per redemption | One-time fee for redemptions made in a single day (effective August 15, 2022) |
| Reward Point Value | ₹0.25 per point | Redeemable for hotel bookings, travel, and other products via RBL Rewards platform |
| Cashback on Digital Spends (2026) | 10% cashback on Myntra, Zomato, Uber | Monthly cashback CAP of ₹300 per category |
| Welcome Benefit (2026) | ₹1,000 welcome gift voucher | Provided upon card activation and meeting initial spend criteria |
| Milestone Voucher (2026) | ₹1,000 voucher | Awarded when annual spend exceeds ₹2 lakh |
| Annual Spend Voucher (2026) | ₹5,000 voucher | Awarded when annual spend exceeds ₹5 lakh |
| Fuel Surcharge Waiver (2026) | Up to ₹150 per month | Applicable on fuel transactions between ₹500 and ₹4,000 |
| Bill Payment Facility | Bills2Pay service | Pay various utility bills via RBL MyCard App, RBL MyBank App, or Internet banking |
| Application Method | Online via RBL Bank’s official website or CreditMantri | Requires personal details, PAN Card, income details, followed by KYC document submission |
| Eligibility Criteria | Minimum age 21 years, steady income, good credit history | Applicants must be Indian residents or NRIs, fulfilling RBL Bank’s internal policy checks |
| Mobile Banking | MoBank 2.0 app | Offers a 360-degree view of banking services including Savings A/C, Loans, and Credit Cards |
| Customer Care | +91 22 6232 7777 (general inquiries), 18001 121 9050 (toll-free) | Available 24 hours a day, seven days a week (Source: RBL Bank official website) |
The RBL Bank Cookies Credit Card provides specific benefits for everyday digital spending, making IT suitable for individuals seeking value-back on online purchases and utility payments.
RBL Bank Cookies Credit Card in India: Key Statistics & Data Points for 2026
The RBL Bank Cookies Credit Card offers 10% cashback on popular platforms like Myntra, Zomato, and Uber, with a monthly CAP of ₹300 per category as of 2026. This entry-level card provides a welcome voucher of ₹1,000 and a monthly membership fee waiver for spends above ₹5,000.
| Metric | Value | Source |
|---|---|---|
| Card Type | Credit Card | RBL Bank Official Website |
| Target User | Budget-friendly, entry-level card for lower spenders | RBL Bank Official Website |
| Monthly Membership Fee (2026) | ₹100 | RBL Bank Official Website |
| Monthly Fee Waiver Criteria (2026) | Monthly spending of ₹5,000 or more | RBL Bank Official Website |
| Joining Fee Waiver Criteria (2026) | Annual spends of ₹1 lakh | RBL Bank Official Website |
| Welcome Gift Voucher (2026) | ₹1,000 | RBL Bank Official Website |
| Milestone Voucher (Annual Spend > ₹2 Lakhs) | ₹1,000 | RBL Bank Official Website |
| Milestone Voucher (Annual Spend > ₹5 Lakhs) | ₹5,000 | RBL Bank Official Website |
| Cashback on Myntra, Zomato, Uber (2026) | 10% | RBL Bank Official Website |
| Cashback CAP Per Month Per Category (2026) | ₹300 | RBL Bank Official Website |
| Reward Program Value-Back (2026) | Up to 1% | RBL Bank Official Website |
| Reward Point Value | ₹0.25 per point | RBL Bank Official Website |
| Reward Redemption Fee | ₹99 + GST (one-time per day, effective Aug 15, 2022) | RBL Bank Official Website |
| Fuel Surcharge Waiver Per Month (2026) | Up to ₹150 | RBL Bank Official Website |
| Fuel Transaction Range for Waiver (2026) | ₹500 to ₹4,000 | RBL Bank Official Website |
| Cash Advance Fees (ATM withdrawal) | 2.0% of amount or ₹300 per transaction | RBL Bank Official Website |
| Late Payment Charges | 15% of the due amount | RBL Bank Official Website |
| Minimum Age for Primary Cardholder | 21 years (varies by card) | RBL Bank Official Website |
| Application Method | Online via bank’s website or CreditMantri | RBL Bank Official Website |
| Required Documents | PAN Card, Income details, Valid Passport | RBL Bank Official Website |
The card’s benefits are primarily focused on digital spending and lifestyle categories, making IT suitable for users who frequently engage with specific partner platforms for shopping, food delivery, and ride-sharing.
How RBL Bank Cookies Credit Card in India Works: Process, Steps & Key Details
Applying for the RBL Bank Cookies Credit Card involves an online application and a bank evaluation of your credit profile. The bank assesses factors like your credit score and income to determine eligibility and approval.
- Eligibility Check: Applicants must be Indian residents or NRIs, aged between 18 and 70 years, with a steady income source. A good CIBIL score and credit history are for approval.
- Online Application: Visit the RBL Bank official website or platforms like CreditMantri to initiate your application. To the Credit Cards section and select the RBL Bank Cookies Credit Card.
- Form Submission: Complete the online application form by providing personal details, PAN Card information, income source, and monthly earnings. Agree to the terms and conditions before submitting.
- Document Submission: The bank will evaluate your application and contact you for KYC (Know Your Customer) documents. A valid Passport issued by the Government of India is a key document required.
- Credit Report Enquiry: RBL Bank conducts a hard enquiry into your credit report to assess your financial standing and repayment habits. This is a standard step in the approval process.
- Application Evaluation: The bank reviews your submitted documents and credit profile against its internal policy checks. Factors like the gap between multiple credit card applications are also considered.
- Approval and Issuance: If your application meets all eligibility criteria and internal policy requirements, the RBL Bank Cookies Credit Card will be approved and issued to you.
- Status Tracking: You can track your application status by entering your reference number and mobile number on the RBL Bank website or through their customer care channels.
The RBL Bank Cookies Credit Card is designed as an entry-level option, offering rewards and savings tailored for digital spending habits.
RBL Bank Cookies Credit Card in India: Benefits, Advantages & Why Students Choose IT
The RBL Bank Cookies Credit Card offers budget-friendly rewards and savings, making IT an appealing entry-level option for many Indian consumers. IT provides up to 10% cashback on popular digital spending platforms like Myntra, Zomato, and Uber, with a monthly CAP of ₹300 per category (as of 2026).
This card is tailored for a digital-first lifestyle, offering specific benefits that align with frequent online shopping, food delivery, and ride-sharing habits.
- Accelerated Digital Rewards: Cardholders receive 10% cashback on spends at Myntra, Zomato, and Uber, capped at ₹300 per category monthly (as of 2026).
- Welcome Gift Voucher: New cardholders get a welcome gift voucher worth ₹1,000, initial value.
- Milestone Vouchers: An annual spend exceeding ₹2 lakh earns a ₹1,000 voucher, while spending over ₹5 lakh provides a ₹5,000 voucher (as of 2026).
- Monthly Fee Waiver: The monthly membership fee of ₹100 is waived if the cardholder spends ₹5,000 or more in the previous month.
- Fuel Surcharge Waiver: A fuel surcharge waiver of up to ₹150 per month is available for transactions between ₹500 and ₹4,000 (as of 2026).
- Reward Point Value: Each reward point earned on the card holds a value of ₹0.25, contributing to overall savings.
- Budget-Friendly Access: With an affordable monthly fee and clear waiver criteria, the card is accessible for individuals seeking an entry into credit card benefits without high annual costs.
The RBL Bank Cookies Credit Card provides practical savings and rewards, particularly for those with significant digital spending habits in India.
RBL Bank Cookies Credit Card in India: Vs Alternatives: Which Option is Best?
The RBL Bank Cookies Credit Card offers budget-friendly rewards, particularly for digital spending, with a monthly fee of ₹100 (waivable). For comparison, other RBL Bank cards like the Platinum Maxima Plus target lifestyle benefits, while the Monthly Treats card focuses on millennial spending habits.
| Feature | RBL Bank Cookies Credit Card | RBL Bank Monthly Treats Credit Card | RBL Bank Platinum Maxima Plus Credit Card |
|---|---|---|---|
| Card Type | Entry-level, digital-first lifestyle card | Millennial-focused, lifestyle rewards | Premium lifestyle card |
| Monthly Membership Fee | ₹100 (waived on ₹5,000+ monthly spend) | ₹50 (waived on ₹3,000+ monthly spend) | Not applicable (Annual fee applies) |
| Annual Fee | ₹500 (waived on ₹1 lakh+ annual spend) | Not specified (Monthly fee structure) | ₹2,500 plus taxes |
| Key Benefits (Cashback/Rewards) | 10% cashback on Myntra, Zomato, Uber; bonus vouchers on Flipkart, Amazon, BookMyShow, Croma & Shoppers Stop; 5x reward points on online spends | 10% cashback on groceries, Swiggy, BookMyShow, utility bills | Complimentary lounge access, accelerated rewards on specific categories |
| Reward Program Value-back | Up to 1% (general spends); ₹0.25 per point | Not specified (Cashback focused) | Higher value-back on premium spends |
| Fuel Surcharge Waiver | Applicable at all fuel pumps in India (up to ₹150/month for transactions ₹500-₹4,000) | 1% fuel surcharge waiver nationwide | Not specified |
| Lounge Access | No complimentary lounge access | No complimentary lounge access | One complimentary lounge access every quarter at major domestic airports |
| Welcome Benefit | ₹1,000 welcome gift voucher | Not specified | 6,000 bonus reward points on initial spend criteria |
| Milestone Benefit | ₹1,000 voucher on annual spend exceeding ₹2 lakh | Not specified | Not specified |
The Cookies Credit Card is ideal for those prioritizing digital spending and seeking a low-cost entry into credit card benefits, while other RBL cards cater to specific premium or millennial spending patterns.
Common Misconceptions About RBL Bank Cookies Credit Card in India
The RBL Bank Cookies Credit Card is often perceived as a basic card, but IT offers targeted benefits for digital spending and lifestyle categories. Many users misunderstand its fee waiver criteria and the true value of its reward points.
- Misconception 1: The card has a high, unavoidable monthly fee. The RBL Bank Cookies Credit Card has a monthly membership fee of ₹100. This fee is waived if your monthly spending exceeds ₹5,000, making IT budget-friendly for active users.
- Misconception 2: Reward points offer minimal value. While the general reward program offers up to 1% value-back, the card provides 10% cashback on specific spends like Myntra, Zomato, and Uber, capped at ₹300 per category monthly.
- Misconception 3: IT lacks significant welcome benefits. New cardholders receive a welcome gift voucher worth ₹1,000, which can be redeemed across various platforms like Amazon, Flipkart, and Myntra.
- Misconception 4: Fuel surcharge waivers are not included. The card offers a fuel surcharge waiver of up to ₹150 per month for transactions between ₹500 and ₹4,000 at all fuel stations nationwide.
- Misconception 5: Reward redemption is free. A reward redemption fee of ₹99 + GST applies for redemptions made in a single day, effective from August 15, 2022.
Understanding these specific features helps maximize the card’s benefits for everyday digital transactions and lifestyle spending.
What to Do Next: Actionable Steps
Applying for the RBL Bank Cookies Credit Card in 2026 involves a straightforward online process. RBL Bank evaluates applications based on a good credit score, steady income, and age criteria, ensuring a quick decision for eligible applicants.
Follow these steps to apply for your RBL Bank Cookies Credit Card:
- Visit the official RBL Bank website or a trusted financial portal like CreditMantri to begin your application.
- to the credit cards section and select the RBL Bank Cookies Credit Card.
- Complete the online application form with your personal details, PAN Card information, and income specifics.
- Provide your PIN code, residential address, income source, and monthly earnings as required.
- Agree to the terms and conditions before submitting your application.
- RBL Bank will conduct a hard inquiry on your credit report and evaluate your application against internal policy checks.
- Await communication from the bank for KYC document submission; approval follows if all eligibility criteria are met.
- Ensure you are between 18 and 70 years old and a citizen of India to meet the primary eligibility criteria.
The bank will contact you for necessary KYC documents once your application is reviewed.
Key Takeaways
- The RBL Bank Cookies Credit Card offers 10% cashback on Myntra, Zomato, and Uber spends, capped at ₹300 per month per category (as of 2026).
- A monthly membership fee of ₹100 applies, waived if monthly spending exceeds ₹5,000.
- New cardholders receive a ₹1,000 welcome gift voucher and another ₹1,000 voucher for annual spends over ₹2 lakhs (as of 2026).
Check your eligibility and apply for the RBL Bank Cookies Credit Card directly on the official RBL Bank website.
Frequently Asked Questions (FAQs)
What are the main benefits of the RBL Bank Cookies Credit Card?
The RBL Bank Cookies Credit Card offers 10% cashback and bonus vouchers on popular platforms like Myntra, Zomato, Uber, Flipkart, Amazon, and BookMyShow. IT provides savings across shopping, movies, food delivery, and transport categories. Cardholders also receive milestone benefits as shopping vouchers and a monthly card fee waiver.
What are the fees associated with the RBL Bank Cookies Credit Card?
The RBL Bank Cookies Credit Card has an annual fee and a reward redemption fee. As of August 15, 2022, a reward redemption fee of ₹99 + GST applies for each redemption. Verify the current annual fee and other charges directly with RBL Bank.
How can I redeem reward points earned on the RBL Bank Cookies Credit Card?
You can redeem your accumulated reward points through the RBL Bank’s official channels. A reward redemption fee of ₹99 + GST is charged per redemption, effective August 15, 2022. This fee applies once per day for multiple redemptions.
What is the eligibility criteria for the RBL Bank Cookies Credit Card?
RBL Bank sets specific eligibility criteria for the Cookies Credit Card, generally including age, income, and CIBIL score requirements. Applicants typically need a CIBIL score above 700 and a stable income source. Check the latest eligibility details on the RBL Bank website as of 2026.
Does the RBL Bank Cookies Credit Card offer a fee waiver?
Yes, the RBL Bank Cookies Credit Card offers a monthly card fee waiver based on specific spending thresholds. Meeting these spending milestones can help you avoid the annual charges. Refer to the card’s terms and conditions for the exact waiver criteria.
Can I pay utility bills with the RBL Bank Cookies Credit Card?
Yes, RBL Bank Cookies Credit Card members can pay various utility bills using the Bills2Pay feature. This service is accessible via the RBL MyCard App, RBL MyBank App, or through the bank’s internet banking channel. This adds convenience for managing monthly expenses.
What is the value-back percentage on the RBL Bank Cookies Credit Card rewards program?
The RBL Bank Cookies Credit Card’s general rewards program offers a value-back of up to 1%. While the card provides significant cashback and vouchers on specific partner platforms, the base rewards program has a lower value-back. Focus on partner platform benefits for maximum savings.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.