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4.4/5 Editorial Score

RBL Bank Cookies Credit Card

Monthly Cashback on Food, Cabs, Movies & Fashion for Millennials

Best Suited For

Young urban professionals and digital natives looking for recurring monthly savings on daily food delivery, cab rides, weekend movies, and fashion.

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Joining Fee

₹100

One-time upfront

Annual Fee

₹1,200

Waived on ₹1.5 lakh annual spend

Base Rewards

2 Reward Points per Rs 100 on retail spends (0.5% value back)

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

Apply Now Compare Card Official Terms

Last verified 17 Sept 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.4/5 Editorial Score

The RBL Bank Cookies Credit Card is crafted specifically for Gen-Z and millennial consumers whose discretionary budgets revolve around app-based lifestyle services. Rather than locking cardholders into complex reward tier points or annual spend hurdles, the Cookies card delivers simple, monthly recurring value: 10% cashback across Swiggy, Zomato, Uber, BookMyShow, and Myntra. This portfolio matches the five essential apps that dominate urban millennial living costs. The savings structure is calibrated on a monthly cycle. Cardholders receive 10% cashback on Swiggy and Zomato up to ₹300 per month (2x ₹150), 10% on Uber rides up to ₹100 per month, 10% on BookMyShow movie tickets up to ₹100 per month, and 10% on Myntra fashion up to ₹150 per month. Taken together, active users can earn up to ₹650 in monthly cashback—translating to ₹7,800 in annual net savings. The card is accessible with a nominal ₹100 joining fee and ₹1,200 annual fee (billed as ₹100 per month or waived upon spending ₹1,50,000 annually), and comes with a ₹1,000 gift voucher upon card activation. The main trade-off is the sub-capping on each category: individual transaction discounts are capped at ₹100 to ₹150, making it less advantageous for large single purchases. General retail spends earn a modest 2 reward points per ₹100 (5 points on online retail), and no airport lounge access is included. However, for young professionals spending ₹5,000 to ₹10,000 monthly across food delivery, ride-hailing, movies, and fashion, RBL Cookies provides one of the highest percentage returns available on an entry card.

Ideal For:Young urban professionals and digital natives looking for recurring monthly savings on daily food delivery, cab rides, weekend movies, and fashion.

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Card Strengths

10% monthly cashback on Swiggy and Zomato up to ₹300 per month
10% monthly cashback on Uber rides up to ₹100 per month
10% monthly cashback on BookMyShow tickets and Myntra fashion
Combined monthly lifestyle cashback potential of up to ₹650 (₹7,800/year)
Welcome gift voucher worth ₹1,000 easily offsets the initial joining cost

Things to Keep in Mind

Category cashbacks carry strict monthly caps between ₹100 and ₹150 per merchant
No complimentary domestic or international airport lounge access
Modest base reward rate of 2 points per ₹100 on general offline retail
Fee waiver requires spending ₹1,50,000 per year across categories

Additional Cardholder Privileges

Rewards

1 Reward Point per Rs. 100 spent offline and 5 Reward Points per Rs. 100 spent online.

Welcome

Welcome Benefit 1

Gift Voucher Worth Rs. 1,000 from Flipkart/Amazon/Croma/Myntra/Shoppers Stop

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: RBL Cookies Rewards
Reward Currency: Reward Points
Base Earn Rate: 2 Reward Points per Rs 100 on retail spends (0.5% value back)
Point Value (INR): ₹0.2500 per point
Redemption Channels: Redeem for shopping vouchers, merchandise, or gift cards on RBL Rewards.
Reward Point Expiry: Reward points valid for 2 years from date of accrual.

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Dining, Entertainment & Groceries	5 Reward Points per Rs 100 on dining, entertainment, and groceries (1.25% value back)	1,000 Reward Points/mo	Standard terms apply
All Other Retail Spends	2 Reward Points per Rs 100 on all other retail transactions (0.5% value back)	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

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Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Dining, Entertainment & Groceries1.25%

Cap: ₹1,000/monthly

₹

All Other Retail Spends0.50%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Dining, Entertainment & Groceries	₹12,000	5 Reward Points per Rs 100 on dining, entertainment, and groceries (1.25% value back)	—	₹1,000/monthly	Calculating...	Under cap
All Other Retail Spends	₹18,000	2 Reward Points per Rs 100 on all other retail transactions (0.5% value back)	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹1,200

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹1200 annual fee.

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Milestone Spend Progression

Bonus vouchers and annual fee waiver milestones unlocked as your total spend increases

Tier 1 Target

₹5,000per month

Worth ₹100

Monthly Fee Waiver

Spend Rs 5,000 in the billing cycle to waive the Rs 100 monthly card fee.

*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹100
Annual / Renewal Fee (2nd Year Onwards): ₹1,200
Annual Spend Fee Waiver: Waived on ₹1.5 lakh annual spend
Fee Terms Notes: ₹100 joining fee; ₹1,200 annual fee (billed ₹100/mo); waived on spending ₹1,50,000.

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining Fee: ₹100 + 18% GST (accompanied by a ₹1,000 gift voucher on Amazon, Myntra, Flipkart, or Croma upon activation within 30 days). • Annual Renewal Fee: ₹1,200 + 18% GST from Year 2 onwards (billed at ₹100/month). • Spend-Based Fee Waiver: Annual fee waived on achieving cumulative retail spends of ₹1,50,000 or more in the preceding anniversary year. • Food Delivery Cashback: 10% cashback on Swiggy and Zomato up to ₹300 per month (max ₹150 per transaction, twice monthly). • Transit Cashback: 10% cashback on Uber rides up to ₹100 per calendar month. • Cinema Cashback: 10% cashback on BookMyShow movie ticket bookings up to ₹100 per calendar month. • Fashion Cashback: 10% cashback on Myntra shopping up to ₹150 per calendar month. • General Rewards: 2 reward points per ₹100 on offline purchases; 5 reward points per ₹100 on other online retail (1 point = ₹0.20). • Lounge Access: Zero complimentary airport lounge visits included. • Foreign Currency Markup: 3.50% + GST on international transactions. • Finance Charges (APR): 3.99% per month (47.88% annualized).

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹1,200 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding RBL Bank Cookies Credit Card application, fees, reward redemption, and eligibility

How much cashback can I earn each month on RBL Cookies Credit Card?

You can earn up to ₹650 in combined cashback every month: ₹300 on food delivery (Swiggy/Zomato), ₹100 on Uber rides, ₹100 on BookMyShow movies, and ₹150 on Myntra shopping. Over a year, this amounts to ₹7,800 in potential savings.

What is the welcome gift on the RBL Cookies Credit Card?

Upon paying the nominal ₹100 joining fee and making a purchase within 30 days of card issuance, you receive a brand gift voucher worth ₹1,000 redeemable on Amazon, Flipkart, Myntra, or Croma.

Does the card offer airport lounge visits?

No, the RBL Bank Cookies Credit Card is an urban lifestyle cashback card and does not bundle complimentary airport lounge access.

How can the ₹1,200 annual fee be waived?

The annual fee of ₹1,200 (billed at ₹100 per month) is completely waived if you spend ₹1,50,000 or more in retail purchases during the preceding card year.

What is the joining and annual renewal fee for RBL Bank Cookies Credit Card?

The joining fee for RBL Bank Cookies Credit Card is ₹100 (one-time), and the annual renewal fee is ₹1,200 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on RBL Bank Cookies Credit Card be waived?

Yes, the annual renewal fee of ₹1,200 is waived upon achieving annual spends of ₹1.5 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on RBL Bank Cookies Credit Card?

RBL Bank Cookies Credit Card offers 2 Reward Points per Rs 100 on retail spends (0.5% value back). Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does RBL Bank Cookies Credit Card offer complimentary airport lounge access?

No, RBL Bank Cookies Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.