RBL Bank Cookies Credit Card

Quick verdict: A monthly-fee lifestyle card built around three merchants — 10% cashback at Zomato, Myntra and Uber (capped ₹900/month), 5X points on online spends, and a ₹1,000 welcome voucher. Instead of an annual fee it charges ₹100 a month, waived whenever you spent ₹5,000 the previous month. The value lives almost entirely in those three partners.

The RBL Cookies is aimed squarely at the young, phone-first spender, and it's refreshingly clear about what it is: a card that pays well at a handful of apps you probably already use, and unremarkably everywhere else.

The monthly-fee model

Cookies doesn't charge a lump-sum annual fee. It levies ₹100 a month, and that charge is waived for the next month whenever you spend ₹5,000 or more in the current month. In practice, if you put your everyday spends on the card you'll clear ₹5,000 most months and rarely pay the fee. Skip a month of use, though, and the ₹100 quietly reappears — so the "low fee" only stays low if the card stays active.

Three merchants do the heavy lifting

The reason to carry Cookies is 10% cashback at Zomato, Myntra and Uber. That's a strong rate on food delivery, fashion and cabs — but it's boxed in: ₹900 per calendar month total, and ₹300 per brand. Hit ₹3,000 of spend at any one of the three and you've maxed that brand's cashback for the month. Alongside it, online spends earn 5X reward points (about 1.25%), and there's 10% instant off on BookMyShow — capped at ₹300 a calendar month and claimable only once a month, so a single larger booking uses it far better than several small ones.

Two smaller things sit underneath. There's a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, reversed monthly and capped at ₹150 — worth up to ₹1,800 a year if you fuel up on the card. And RBL zero-rates a familiar list: fuel, utilities, wallet loads, rent, insurance, education, government services, cash and EMI conversions earn no points at all, on either the base rate or the 5X online rate.

Cookies is a three-merchant card. If Zomato, Myntra and Uber are your monthly routine, it earns its keep; if they aren't, almost nothing here is for you.

Everything outside those lanes runs on a thin 1 reward point per ₹100 — worth about ₹0.25 — and a ₹99 fee applies when you redeem points. So the base card is weak by design; the cashback partners and the vouchers are the whole proposition.

The vouchers add up

Sign-up and milestone vouchers are where the headline value sits: a ₹1,000 welcome voucher (Amazon, Flipkart, Myntra, Croma or Shoppers Stop) on your first spend within 30 days, then ₹1,000 at ₹2 lakh and ₹5,000 at ₹5 lakh of annual spend. For a spender who reaches ₹5 lakh, those milestone vouchers alone dwarf the ₹1,200 of annual fees — but reaching ₹5 lakh on an entry card is a big ask, so treat the ₹5,000 as aspirational rather than assumed.

How it compares

Within RBL, Cookies overlaps the grocery-focused RBL ShopRite and the entertainment-leaning RBL Play — each concentrates value in a category, and which suits you depends on where your money goes. Against a broad everyday cashback card like the SBI Cashback (5% on most online spend, 1% offline), Cookies wins only if your Zomato/Myntra/Uber spend is heavy enough to fill the ₹900 cap; below that, a simple percentage-on-everything card is the calmer choice. Our cashback card guide is a good place to weigh a merchant-capped card against a flat-rate one for your own habits.

Who should hold it

Cookies suits the online-first spender who uses Zomato, Myntra and Uber regularly and will keep monthly spend above ₹5,000 to waive the fee. For that person the capped cashback plus vouchers comfortably beat the cost.

It's the wrong card for anyone who doesn't use those three merchants, who won't keep the card active every month, or who wants strong rewards on general spending — the 1-point base is too thin to carry it. Match the card to the apps, or skip it.

One caveat to flag: the payment network (Visa, Mastercard or RuPay) still isn't stated anywhere RBL publishes. The Cookies product page carries no network line, the card's terms mention all three only as generic boilerplate, and RBL's own network-availability guide leaves Cookies out of its table altogether. Confirm the network, and whether a RuPay/UPI variant exists, when you apply.