All cards / RBL Bank
RBL Bank Cookies Credit Card
A budget-friendly everyday card billed at Rs 100/month (waived on Rs 5,000 monthly spend), with strong online reward rates and category cashback on popular lifestyle apps.
Annual fee
₹1,200
Joining fee
₹0
Reward type
points
Base reward rate
0.2%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 0.2% base rate
- Domestic lounge access: Not offered
- International lounge access: Not offered
- Golf: Not offered
Benefits by category
- 🛍️ Shopping
1% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on ₹500–4,000 transactions, capped at ₹150/month
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: ₹99 + GST per redemption request
- Fuel surcharge waiver: 1% fuel surcharge waiver on ₹500–4,000 transactions, capped at ₹150 per month
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- Rs 1,000 welcome voucher (Croma/Myntra/Amazon/Flipkart/Shoppers Stop) on first transaction within 30 days
- 10% cashback on Zomato, Myntra and Uber, capped at ₹300/month per brand (₹900 total); 10% instant BookMyShow discount up to ₹300/month
- 1% fuel surcharge waiver on ₹500–4,000 transactions, capped at ₹150/month
- Rs 1,000 voucher at Rs 2 lakh annual spend; Rs 5,000 voucher at Rs 5 lakh annual spend
Pros
- + Low ongoing cost, easily waived monthly fee
- + 5X reward points on online spends
- + Cashback on Zomato, Myntra and Uber plus BookMyShow discount
Cons
- − Fee is billed monthly rather than as a flat annual charge
- − No lounge access or travel benefits
- − Cashback categories are capped low (Rs 300/month each)