Cookies Credit Card
Fees
₹500 + Taxes
Joining & annual
Reward Rate
5 Reward Points per ₹100 online; 1 point per ₹100 offline; 10% cashback (up to ₹300/month/brand) on Myntra, Uber & Zomato
Welcome Bonus
₹1,000 welcome voucher redeemable at Croma, Amazon, Myntra, Flipkart & Shoppers Stop
Lounge
No Lounge Access
Our Expert Take
The Cookies Credit Card from RBL Bank offers Digital Subscriptions, Fuel & Grocery Cashback with an annual fee of ₹500 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
10% cashback on Zomato, Myntra, Uber
Max ₹300 per brand per month
Reached after about ₹3,000 each of spend
-
Total 10% cashback
Max ₹900 per month
Where this card earns most
Paying directly in the app or site · 0.2% on other spends
Pros & Cons
Key Advantages
- 10% cashback (up to ₹300/month/brand) on Myntra, Uber & Zomato
- ₹1,000 welcome voucher redeemable at Croma, Amazon, Myntra & Flipkart
- 10% BookMyShow discount, up to ₹300/month
- Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)
Limitations
- No airport lounge access
- Grocery cashback is capped at just ₹100/month
- Offline spends earn a low 1 point per ₹100
Key Perks & Spending Milestones
Accelerated reward earn rate on cashback purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Annual fee waived on ₹1 Lakh annual retail spends
Fees & Charges
Joining fee
₹500 + Taxes
Annual fee
₹500 + Taxes
Annual fee waived on ₹1 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on RBL Cookies?
Does RBL Cookies offer lounge access?
Compare Cookies Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Cookies Credit Card This Card | ₹500 + Taxes | 5 Reward Points per ₹100 online; 1 point per ₹100 offline; 10%... | No Lounge Access | 4.3/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |