The RBL Bank Cookies Credit Card is designed for people who live on their phones: ordering on Zomato, booking cabs on Uber, buying clothes on Myntra and movie tickets on BookMyShow. It takes 10% off on these partners, earns reward points on everything else online, and swaps the usual annual fee for a small monthly fee of ₹100 + GST.
How the savings and rewards work
| Where you spend | What you get | Cap |
|---|---|---|
| Zomato, BookMyShow, Uber, Myntra (or similar partners) | 10% savings | ₹300 per brand, ₹900 a month in total |
| Online spends (excluding fuel) | 5 points per ₹100 (about 1.25%) | No cap stated |
| Offline spends | 1 point per ₹100 (about 0.25%) | No cap stated |
Point value: 1 reward point = ₹0.25. Every redemption carries a ₹99 + GST fee, so redeem in larger batches rather than little and often.
Welcome and milestone benefits
| Trigger | Reward |
|---|---|
| First transaction within 30 days of issue | ₹1,000 voucher (Amazon, Flipkart, Myntra, Croma or Shoppers Stop) |
| ₹2 lakh annual spend | ₹1,000 milestone voucher |
| ₹5 lakh annual spend | ₹5,000 milestone voucher |
What you would actually earn
Spend ₹3,000 a month each on Zomato, Uber and Myntra, and the 10% savings max out at ₹900 a month. Put another ₹10,000 on other online spends and you earn 500 points, worth ₹125. That is about ₹1,025 a month, or more than ₹12,000 a year, against roughly ₹1,400 in fees including GST. Spend little on the partner apps, though, and the monthly fee eats most of the value.
Because the cap is ₹300 per brand, the card rewards spreading your spending across the partners. Someone who spends ₹6,000 a month on Zomato alone still gets only ₹300 back from it, so the card suits people who use several of these apps rather than one.
Also factor in the ₹99 + GST redemption fee. Redeeming 2,000 points (₹500) once every few months keeps that fee to a small share of what you get back, whereas small, frequent redemptions eat into your rewards.
Fees and charges
| Monthly fee | ₹100 + GST |
|---|---|
| Effective yearly cost | ₹1,200 + GST |
| Reward redemption fee | ₹99 + GST per redemption |
| Fuel surcharge | 1% waiver on ₹500–₹4,000, up to ₹150 a month |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹15,000 a month or more |
| Income (self-employed) | ITR above ₹2 lakh a year |
| Credit score | 720 or above |
| First credit card? | Not allowed |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
How to apply
- Tap Apply on RBL Bank site on this page to open the official application form.
- Fill in the form in one go, using the mobile number linked to your Aadhaar.
- Complete video KYC when prompted, from your current address.
- Once the card arrives, make a first transaction (₹100 or more) within 30 days to activate it.
Who should get it, and who shouldn’t
Get it if you regularly spend ₹1,000 or more a month on at least two of Zomato, Uber, Myntra and BookMyShow. The 10% savings will easily cover the monthly fee.
Skip it if your spending is mostly offline or spread across many merchants. At 0.25% offline, a lifetime free card would serve you better.
