RBL Bank Cookies Credit Card

About RBL Bank Cookies Credit Card

Are you spending thousands every month on Uber rides and Zomato orders without getting anything back? The RBL Bank Cookies Credit Card is designed to change that by turning your daily lifestyle habits into actual savings.

This card offers a massive 10% cashback on your favorite apps like Zomato, Myntra, and Uber. If you spend just ₹5,000 a month on these services, you could save over ₹6,000 a year just on your regular lifestyle choices. It is a straightforward, rewarding tool for those who want their credit card to work as hard as they do.

Built for young professionals and digital natives earning at least ₹15,000 per month, this card fits perfectly into a modern budget. Whether you are commuting to work or ordering dinner, every swipe brings you closer to your next big saving.

What sets it apart:

• 10% cashback on Myntra, Zomato, and Uber, which is significantly higher than the 1-2% usually offered by entry-level cards.
• A unique monthly fee model where the ₹100 charge is waived if you spend just ₹5,000 in a month.
• A generous welcome gift of a ₹1,000 voucher that effectively covers your first few months of card usage costs.

Quick check: To qualify for this card, you should be between 21 and 60 years old with a minimum monthly income of ₹15,000 and a credit score of at least 720.

Let's dive into the specific details of how this card can maximize your monthly budget:

Key Benefits and Features of RBL Bank Cookies Credit Card

The RBL Cookies CC is packed with features that cater to the urban lifestyle. Unlike traditional cards that focus on complicated reward points, this card focuses on direct value in categories you actually use.

Welcome Benefits to Kickstart Your Savings

When you get the card and make your first transaction within the first 30 days, you receive a welcome voucher worth ₹1,000. You can use this voucher at top brands including Amazon, Flipkart, Myntra, Croma, or Shoppers Stop. This is a great way to offset any initial costs and start your journey with a win.

Accelerated Cashback on Lifestyle Brands

The standout feature of the RBL Bank Cookies Credit Card is the 10% cashback on specific partner brands. This is where you will find the most value:

• Dining: Get 10% cashback every time you order through Zomato.
• Commute: Enjoy 10% cashback on all your Uber rides, making your daily travel much cheaper.
• Shopping: Refresh your wardrobe with 10% cashback on Myntra.
• Entertainment: Catch the latest blockbusters with 10% cashback on BookMyShow movie tickets.

Reward Points on Other Spends

For all other eligible spends that don't fall into the 10% cashback category, you still earn reward points. These points can be redeemed for gift vouchers, merchandise, or even travel bookings like flights and hotels through the RBL rewards portal. Every reward point is valued at ₹0.25, giving you a steady return on all your expenses.

Understanding the Fees and Smart Waivers

This card follows a monthly subscription-style fee structure rather than a large upfront annual cost. This makes it very accessible for budget-conscious users.

• Joining and Monthly Fee: The card carries a fee of ₹100 per month (totaling ₹1,200 annually).
• Effortless Fee Waiver: You don't have to pay this ₹100 fee if you spend at least ₹5,000 in the previous month. This is a very achievable target for most active card users.
• Interest Rates: Interest charges are 3.99% per month (47.88% annually) on unpaid dues, so pay your statement in full to avoid finance charges.

Fuel Surcharge Waiver

If you drive, you can take advantage of the 1% fuel surcharge waiver. This applies to fuel transactions between ₹500 and ₹4,000 at any petrol pump across India, helping you save a bit more every time you tank up.

What's Not Covered?

To maximize your benefits, you should know what does not earn rewards or cashback. Expenses like rent, insurance payments, utility bills, school fees, and ATM cash withdrawals are excluded from reward earning. Additionally, EMI transactions and government services do not count toward your reward balance or spend targets for fee waivers.

How to Apply for the RBL Cookies CC

The application process for the RBL Bank Cookies Credit Card is simple and can be completed in a few steps:

1. Visit the official RBL Bank website or a trusted financial partner platform.
2. Locate the RBL Cookies CC page and click on the "Apply Now" button.
3. Fill in your basic details, including your full name, mobile number, and email address.
4. Ensure you meet the eligibility criteria, specifically the minimum monthly income of ₹15,000 and an age between 21 and 60.
5. Enter your employment details. If you are self-employed, ensure your annual ITR is at least ₹2 Lakhs.
6. Submit your application. You will receive an application reference number to track your status.
7. Complete the digital KYC process as prompted by the bank's representative.

After submission, you can use the RBL Bank portal to track the status of your application using your mobile number and reference ID. The bank typically takes a few business days to verify your documents and process the approval.

Credit Limit: What to Expect

Credit limits depend on your income, credit score, and existing banking relationship. Applicants with a CRIF score of 720 and a monthly income of ₹15,000 receive a starting limit between ₹30,000 and ₹50,000. This amount covers daily expenses and occasional shopping. Over time, as you show disciplined repayment behavior, you qualify for a credit limit increase.

Comparison Table: RBL Cookies CC vs. Competitors

Choosing the right card requires looking at what others in the market offer. Here is how the RBL Cookies CC stacks up against other popular entry-level lifestyle and cashback cards:

If your monthly spending is concentrated on Uber for travel and Myntra for fashion, the RBL Cookies CC is hard to beat due to its 10% cashback rate. However, if you spend more on general utilities or groceries, the Axis Ace or HSBC Live+ might offer broader value. The monthly fee waiver on the RBL card is much easier to hit for someone with lower annual spends compared to the ₹2 Lakh requirement on the other cards.

Documents Required for RBL Bank Cookies Credit Card Application

To ensure a smooth application process, keep these documents ready:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
• Address Proof: Aadhaar Card, Utility Bills (not older than 2 months), or Rent Agreement.
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements showing salary credits.
• Employment Proof: Office ID card or an official employment letter.

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, or Driving License.
• Address Proof: Aadhaar Card, Passport, or Business Property Documents.
• Income Proof: Latest 2 years' ITR (Income Tax Returns) showing a minimum of ₹2 Lakhs per annum.
• Business Proof: Business registration certificate or GST registration documents.

Note: All documents must be self-attested. The bank may request additional documents or a physical visit for verification during the approval process.

Who Should Get This Card?

Should you get this card? It depends on your lifestyle. Here is who benefits the most:

The Daily Commuter: If you are a professional who relies on Uber to get to the office every day and you spend roughly ₹3,000 a month on rides, this card gives you ₹300 back every month. Over a year, that is ₹3,600 in savings just on your commute.

The Budget-Conscious Foodie: If you order from Zomato twice a week, spending about ₹4,000 a month, you'll earn ₹400 in cashback. Plus, since your total spend (Uber + Zomato) exceeds ₹5,000, your monthly card fee is waived automatically. You're effectively getting a premium reward card for free.

The Fashion Enthusiast: If you prefer Myntra for your shopping needs, the 10% cashback is a significant advantage over other cards that usually offer only 1-2% on online shopping. A ₹5,000 shopping haul earns you ₹500 back, which is a great return for an entry-level card.

You might want to skip this card if: You travel frequently and need airport lounge access or if your monthly spending is below ₹5,000, as you won't be able to waive the monthly fee. In those cases, a lifetime free card or a travel-centric card would be a better fit.

BankKaro Expert Review

Based on the card's features, the RBL Bank Cookies Credit Card excels at rewarding the specific habits of urban millennials. While many banks offer generic reward points, RBL has identified the apps people actually use daily Zomato, Uber, and Myntra and attached a very high 10% cashback rate to them. This makes the value proposition very easy to understand.

The biggest limitation of this card is the lack of "lifestyle" perks that usually come with cards in this fee bracket. You won't find complimentary airport lounge access, railway lounge access, or free flight tickets here. It is strictly a "daily spend" card rather than a "travel" card. Another point to watch is the monthly fee. While ₹100 sounds small, if you have a slow month and spend less than ₹5,000, that fee will be charged. You have to stay active with the card to keep it cost-effective.

Our verdict: Choose this card if your world revolves around Uber, Zomato, and Myntra. The 10% return in these categories is among the best in the industry for a card with such a low income requirement (₹15,000/month). It is a fantastic first or second credit card for anyone starting their career.

Terms and Conditions

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application. Additionally, keep these standard points in mind:

• Cashback and reward points are not applicable on fuel, rent, and utility payments.
• The monthly fee waiver is calculated based on the previous month's statement cycle spends.
• Reward points remain valid for 2 years from the date of accumulation.
• Minimum credit score requirements are subject to the bank's internal credit policy at the time of application.