In-depth review
RBL Bank Cookies Credit Card
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. Value lives almost entirely in those three partners.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
10% cashback at Zomato, Myntra, Uber
10% cashback at Zomato, Myntra & Uber; capped ₹900/month with a ₹300 per-brand limit
1.25% on Online Shopping
5X reward points (5 RP/₹100 ≈ 1.25%) on online spends
Annual Fee Waiver
Fee of ₹1,200 + 18% GST (₹1,416 all-in)/yr fully waived when you spend ₹60,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹150/month
Movie Ticket Benefit
10% instant discount on BookMyShow movie ticket bookings, up to ₹300 a calendar month and claimable only once in a calendar month
Milestone Bonus
~₹1,000 in bonus rewards on hitting annual spend milestones
🍽️ FOOD & DINING BENEFITS
Dining rewards, food delivery cashback and partner benefits.
10.0%
Dining cashback rate
PARTNER PLATFORMS
- 10% cashback on dining and food delivery
- Accelerated earn on: Zomato, Myntra, Uber
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- 10% instant discount on BookMyShow movie ticket bookings, up to ₹300 a calendar month and claimable only once in a calendar month
For young, online-first spenders who regularly order on Zomato, shop Myntra and ride Uber, and will spend ₹5,000 most months to waive the fee. Outside those three partners the card is ordinary.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Diningonly at Zomato, Myntra, Uber | cashback | 10% | ₹900 |
| Online Shopping | reward points | 1.25%5 pts/₹100 × ₹0.25 | — |
| Other | reward points | 0.25%1 pts/₹100 × ₹0.25 | — |
Dining: 10% cashback at Zomato, Myntra & Uber; capped ₹900/month with a ₹300 per-brand limit · Zomato, Myntra, Uber
Online Shopping: 5X reward points (5 RP/₹100 ≈ 1.25%) on online spends
Other: 1 reward point per ₹100 base (~0.25%); ₹99 redemption fee applies
Earns nothing on: Fuel · Utility Bills · Wallet Loads · Rent · Insurance · Education · Government & Tax · Cash Advances · EMI Conversions
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,416 |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹150 |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹8,400/yr in total.
₹1,000 voucher at ₹2 lakh annual spend
1% fuel surcharge waiver on transactions of ₹500–₹4,000, reversed monthly and capped at ₹150 a month
A further ₹5,000 voucher at ₹5 lakh annual spend
10% instant discount on BookMyShow movie ticket bookings, up to ₹300 a calendar month and claimable only once in a calendar month
Milestone ladder
- ₹2,00,000 a year₹1,000 of value
- ₹5,00,000 a year₹5,000 of value
Should you get it?
- Best for: Online-first spenders who use Zomato, Myntra and Uber regularly, First-time cardholders who spend at least ₹5,000 a month
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Online Shopping (1.25% back; 10% only at Zomato, Myntra, Uber).
Pros & cons
✓ Pros
- 10% cashback at Zomato, Myntra and Uber
- 5X reward points on online spends
- ₹1,000 welcome voucher plus ₹1,000 / ₹5,000 milestone vouchers
- 1% fuel surcharge waiver, up to ₹150 a month on ₹500–₹4,000 transactions
- Monthly fee waives automatically on ₹5,000 of monthly spend
✕ Cons
- The 10% cashback is limited to three merchants and capped at ₹900/month (₹300 per brand)
- Base earn is a thin 1 reward point per ₹100 (~0.25%)
- The ₹100 monthly fee only waives if you spent ₹5,000 the previous month
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem reward points for vouchers and products via the RBL rewards catalogue
- 🎁Cashback credited against eligible partner spends
What your RBL Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
Value is concentrated in three merchants with a ₹900/month cap; the base 1 RP/₹100 is weak and the ₹100 monthly fee only waives if you spent ₹5,000 the previous month.
Frequently asked questions
How does the monthly fee work?
Where do I get 10% cashback?
What welcome and milestone benefits are there?
How does the BookMyShow discount work?
Is there a fuel surcharge waiver?
Which spends earn no reward points?
How has the RBL Bank Cookies Credit Card changed over time?
Has the RBL Bank Cookies Credit Card been devalued recently?
When did the RBL Bank Cookies Credit Card's fees last change?
How did the RBL Bank Cookies Credit Card change in 2024?
The bottom line
Cookies works if your monthly life runs through Zomato, Myntra and Uber — ₹900/month of capped cashback plus a ₹1,000 welcome voucher and milestone vouchers can outrun the ₹1,200/year fee. If you don't use those partners or won't keep spend above ₹5,000 a month, the thin 1-point base makes it a weak keep.
How this page was built
Counted from this card’s own record: 3 earn rules, 1 of them capped, 1 paid only at named merchants, the spends listed as earning nothing and 4 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the RBL Bank Cookies Credit Card are taken from RBL Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for RBL Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2023 · last change Jan 2026
2026
- ▼ FeeObserved Jan 2026 · Effective 7 Jan 2026
New 1% fee on large FASTag top-ups and toll payments
No FASTag or toll transaction fee→1% fee on any FASTag-loading or toll-payment transaction above ₹10,000
From 7 January 2026 RBL Bank charges a 1% fee on any single FASTag-loading or toll-payment transaction above ₹10,000, measured per transaction per card, across merchant category codes 4784, 4111 and 4131. Because the threshold is per transaction rather than a monthly aggregate, it bites on one-off large FASTag top-ups rather than on regular commuting; splitting a top-up below ₹10,000 avoids it. The fee sits alongside RBL's existing 1% charges on rent, on utility spends above ₹50,000 a month, on fuel transactions above ₹10,000, and on education payments routed through third-party apps. It is a fee on the transaction, not a change to reward earning — these categories already earn no reward points on most RBL cards.
Verification: RBL Bank ↗ · Confidence: High
2024
- ▼ FeeEffective 15 Oct 2024
New 1% fees on large fuel, utility & education spends
No category surcharge on fuel/utility/education→1% on large fuel/utility & third-party education payments
From 15 Oct 2024 RBL added a 1% fee on any single fuel transaction over ₹10,000 (capped ₹3,000/txn), 1% on utility spends above ₹50,000 per month, and 1% on third-party-app education payments (Cred, PhonePe, Paytm, MobiKwik, NoBroker and similar). This reward-agnostic fee change applies to Cookies like the rest of the RBL line-up; the standard fuel-surcharge waiver on ₹500–4,000 fuel spends continues.
Verification: RBL Bank ↗ · Confidence: High
- ▼ RewardEffective 15 Oct 2024
Reward points excluded on several spend categories
Base points earned across most categories→Zero points on cash, bills, education, government & similar
Effective 15 Oct 2024 RBL stopped awarding base reward points on Education, Government Services, Contracted Services, Cash and Bills2Pay, and halted bonus/milestone accrual on Fuel & Auto, Utilities, Insurance, Quasi-Cash and Railways across its reward-point cards. On Cookies the impact is limited to its thin 1 RP/₹100 base earn on those categories — the card's core 10% Zomato/Myntra/Uber cashback is unaffected as it is direct cashback, not reward points.
Verification: RBL Bank ↗ · Confidence: High
2023
- ◆ LaunchEffective 2023
RBL Cookies launched as successor to Monthly Treats
RBL Bank introduced Cookies as an entry-level, monthly-fee lifestyle card replacing the older RBL Monthly Treats card (which stopped taking applications). Instead of an annual charge it levies ₹100 a month, waived automatically whenever the previous month's spend reaches ₹5,000. Headline benefits: 10% cashback at Zomato, Myntra and Uber (capped ₹900/month, ₹300 per brand), 5X reward points on online spends, 1 RP/₹100 base, a ₹1,000 welcome voucher and ₹1,000/₹5,000 milestone vouchers. Exact launch date is undocumented — reconstructed to 2023 from card-review coverage; RBL published no dated launch notice.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/rbl-cookies#value-timeline">RBL Bank Cookies Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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