Legacy · No Longer Issued Legacy Card · No Longer Issued
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RBL Monthly Treats Credit Card Review
RBL's millennial-focused cashback card, now closed to new applicants in favour of Cookies.
₹100 + GST per month for existing cardholdersAnnual fee
3.6/5Editorial rating
VisaNetwork
This card is no longer issued to new applicants
RBL Bank now positions the RBL Cookies Credit Card as the direct successor for new applicants.
At a glance
Quick facts
Not applicable — card discontinued for new applicantsJoining fee
₹100 + GST per month for existing cardholders (waived on ₹5,000 monthly spend)Annual fee
Existing cardholders only — new applicants should consider Cookies insteadBest for
3.5%Forex mark-up
RBL Bank has stopped issuing this card to new applicants and now directs prospective customers to the Cookies Credit Card.
Cost & earn rate
Fees and reward rates
Not applicable for new applicants; existing cardholders continue under their original welcome terms.
| Charge | Amount |
|---|---|
| Monthly membership fee | ₹100 + GST |
| Fee waiver | On ₹5,000 spend in the previous month |
| Cash withdrawal fee | 2.5% of amount, min ₹500 |
| Foreign currency mark-up | 3.5% |
| Spend category | Reward rate |
|---|---|
| Eligible categories | Up to 1 reward point per ₹100 spent |
Card benefits
What else you get
Monthly membership fee waived on ₹5,000 of spend in the previous month.
10% instant discount up to ₹300 a month on BookMyShow.
1% fuel surcharge waiver between ₹500 and ₹4,000, capped at ₹150 a month.
Our take
Verdict
What works
- Low entry cost for the cashback categories it covered
- Fee waiver tied to a realistic ₹5,000 monthly spend
- Simple cashback structure across groceries and entertainment
What to watch for
- No longer available to new applicants
- Superseded by the Cookies Credit Card with similar but updated benefits
- Monthly cashback caps limited the card's value at scale
Common questions
FAQs
Can I still apply for the RBL Monthly Treats Credit Card?
No, RBL Bank has stopped accepting new applications for this card and now recommends the Cookies Credit Card, which carries similar digital-first lifestyle benefits.
What happens to my card if I already hold a Monthly Treats card?
Existing cardholders can continue using their card and earning its benefits as per the terms in force at the time of issuance, until RBL communicates otherwise.
How did the monthly fee waiver work?
Spending ₹5,000 or more in a calendar month waived the following month's ₹100 + GST membership fee, plus unlocked cashback on groceries and select apps.
Why was this card discontinued?
RBL consolidated several entry-level lifestyle cards, including Monthly Treats and Titanium Delight, into the single Cookies Credit Card to simplify its portfolio.
Is Cookies a direct replacement for Monthly Treats?
RBL positions Cookies as the closest current equivalent, offering a comparable monthly fee structure with cashback on Zomato, Myntra and Uber instead of groceries and Swiggy.
Compare more RBL Bank cards
See the full RBL Bank credit card lineup on SearchLocally.in.