Digital-First Lifestyle
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RBL Cookies Credit Card Review
RBL's current entry-level lifestyle card, built for online shoppers who lean on Zomato, Myntra and Uber.
₹100 + GST per monthAnnual fee
3.9/5Editorial rating
Visa, MastercardNetwork
At a glance
Quick facts
₹100 + GST (monthly membership)Joining fee
₹100 + GST per monthAnnual fee
Digital-first spenders who shop and order online frequentlyBest for
3.5%Forex mark-up
Charged monthly rather than as an annual fee.
Cost & earn rate
Fees and reward rates
₹1,000 gift voucher from Croma, Myntra, Amazon, Flipkart or Shoppers Stop, for full-fee cardholders who transact within 30 days of issuance.
| Charge | Amount |
|---|---|
| Monthly membership fee | ₹100 + GST |
| Cash withdrawal fee | 2.5% of amount, min ₹500 |
| Foreign currency mark-up | 3.5% |
| Reward redemption fee | ₹99 + GST per redemption day |
| Spend category | Reward rate |
|---|---|
| Eligible online and lifestyle categories | 1 reward point per ₹100 spent |
- Vouchers worth ₹1,000 and ₹5,000 on crossing ₹2 lakh and ₹5 lakh of annual spend respectively.
Card benefits
What else you get
10% cashback (up to ₹300 each) every month at Myntra, Uber and Zomato.
10% instant discount up to ₹300 on BookMyShow each month.
Bills2Pay utility bill payments through the RBL MyCard app.
Our take
Verdict
What works
- Cashback spread across three popular everyday apps
- Low monthly fee structure keeps the entry cost manageable
- Generous ₹1,000 welcome voucher choice
What to watch for
- Monthly fee adds up to ₹1,200 + GST a year if never waived
- Base 1X reward rate is modest outside the bonus categories
- No lounge access or travel benefits
Common questions
FAQs
Why does the Cookies card charge a monthly fee instead of an annual one?
RBL structured this as a digital-first card with a flat ₹100 + GST monthly membership charge, which adds visibility to the cost rather than billing it once a year.
What replaced the Titanium Delight and Monthly Treats cards?
RBL Bank stopped issuing both the Titanium Delight and Monthly Treats credit cards and now positions Cookies as their direct successor for new applicants.
How much cashback can I earn on Zomato, Myntra and Uber?
You can earn 10% cashback up to ₹300 on each of these three brands every month, on top of any other ongoing platform discounts.
Is there a welcome benefit on the Cookies card?
Yes, full-fee cardholders get a ₹1,000 voucher of their choice from Croma, Myntra, Amazon, Flipkart or Shoppers Stop after an eligible transaction within 30 days.
Does this card offer airport lounge access?
No, Cookies is positioned as an entry-level lifestyle card and doesn't include complimentary lounge visits.
Compare more RBL Bank cards
See the full RBL Bank credit card lineup on SearchLocally.in.