RBL Bank Cookies Credit Card
The RBL Bank Cookies Credit Card is an affordable and rewarding option designed for value-conscious users. For a nominal monthly fee of ₹100, cardholders earn 1 Reward Point for every ₹100 spent on offline transactions and enjoy 5X Reward Points on online purchases. Additionally, the card offers a welcome benefit of a ₹1,000 gift voucher upon completion of the first transaction. The card also offers milestone rewards, allowing you to earn vouchers worth up to Rs. 5,000 as you spend more. Plus, if you meet the spending requirements, you can get your monthly fee waived.
This card also helps you save on entertainment, shopping, and travel. You get a 10% discount on BookMyShow, Zomato, Uber, and Myntra, making your everyday expenses more affordable. If you use your card for fuel, you can also enjoy a 1% surcharge waiver, saving up to Rs. 150 per month. With its combination of rewards, discounts, and fee waivers, the RBL Bank Cookies Credit Card is a great choice for those who want to save money while spending smartly.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
RBL Bank Cookies Credit Card Overview
The RBL Bank Cookies Credit Card is designed for people who love earning cashback and saving on everyday expenses. Whether it’s online shopping, food delivery, or movie tickets, this card gives you a good mix of rewards and offers. It’s a great choice for beginners who want decent benefits without paying high annual fees.
Cashback and Reward Benefits
This credit card gives you multiple ways to save. You get 10% cashback on Myntra, Uber, and Zomato, making it perfect for shopping, travel, and dining lovers. The total cashback you can earn from these three brands is limited to Rs. 300 per month.
Apart from cashback, the RBL Bank Cookies Credit Card also lets you earn Reward Points on your daily spending. You’ll earn 1 Reward Point for every Rs. 100 spent on offline purchases and 5 Reward Points for every Rs. 100 spent online. However, you won’t get any points on fuel, rent, insurance, or wallet reloads.
When it comes to redeeming these points, you can easily use them on the RBL Rewards portal. They can be redeemed for travel bookings, hotel stays, and shopping vouchers. Each Reward Point equals Rs. 0.25, and there’s a small redemption charge of Rs. 99 per request.
Welcome Gift and Milestone Offers
One of the biggest highlights of the RBL Bank Cookies Credit Card is its welcome benefit. When you make your first transaction within 30 days of card issuance, you’ll receive a gift voucher worth Rs. 1,000 from popular brands like Amazon, Flipkart, Croma, Myntra, or Shoppers Stop.
As you continue using the card, there are more rewards waiting for you. You can earn milestone vouchers every year based on your total spending:
- Spend Rs. 2 lakh or more in a year and get a Rs. 1,000 gift voucher.
- Spend Rs. 5 lakh or more in a year and receive a Rs. 5,000 voucher.
Both vouchers can be claimed from brands such as Amazon, Flipkart, Myntra, or Croma.
Movie and Fuel Benefits
If you enjoy watching movies, this credit card gives you a 10% discount on BookMyShow tickets, with a maximum savings of Rs. 300 each month. This means you can enjoy entertainment while saving a little extra every time you book online.
For frequent drivers, the 1% fuel surcharge waiver adds more value. It applies to transactions between Rs. 500 and Rs. 4,000, helping you save up to Rs. 150 per month on fuel.
Fee Waiver and Monthly Savings
The RBL Bank Cookies Credit Card has a simple renewal system. The monthly renewal fee can be waived if you spend at least Rs. 5,000 in the previous billing cycle. This makes it easy to keep the card active without worrying about extra costs.
With all its benefits combined, users can save a good amount every month — through cashback, vouchers, and discounts.
How to Apply for the RBL Bank Cookies Credit Card
You can apply for this credit card online or offline.
- Offline: Visit your nearest RBL Bank branch and fill out the application form.
- Online: Click the “Apply Now” option on the RBL Bank website, enter your details, and submit your form. After approval, the card will be sent to your registered address.
RBL Bank Cookies Credit Card Review
The RBL Bank Cookies Credit Card is a smart option for anyone who wants an affordable card packed with rewards. It offers cashback on major lifestyle brands, milestone benefits, and discounts on movies and fuel.
With its mix of offers and low maintenance requirements, this credit card gives you solid savings on both essentials and entertainment. If you’re looking for a simple yet rewarding card, the RBL Bank Cookies Credit Card is definitely worth considering.
How do I find out the status of my credit card application?
You can easily check the status of your RBL Bank credit card application online by entering your reference number and mobile number on the bank’s official website.
What are the fees for the Cookies Credit Card?
The card has a joining and annual fee of Rs. 100 each.
Can I avoid paying the monthly fee?
Yes, if you spend Rs. 5,000 or more in the previous month, the monthly fee is waived.
Who should I contact for credit card issues?
If you face any problems, you can call RBL Bank’s customer care at +91 22 62327777.
What rewards do I get with this credit card?
You’ll get 5 times more reward points for every ₹100 you spend on groceries and fuel, and 1 point for every ₹100 spent on all other things.
Does the card offer any fuel surcharge benefits?
Yes, you get a fuel surcharge waiver of up to Rs. 150 per month on transactions between Rs. 500 and Rs. 4,000.
Are there cashback benefits?
Yes, you get 10% cashback on BookMyShow, Zomato, Uber, and Myntra, with a cap of Rs. 300 per month per category.
What do you get as a welcome gift when you get this card?
On making your first transaction within 30 days of issuance, you receive a Rs. 1,000 voucher for Amazon, Flipkart, Myntra, Croma, or Shoppers Stop.
Do my earned reward points expire?
Yes, your reward points are valid for 12 months, but you may be able to carry them forward based on the bank’s terms and conditions.
What is the maximum discount available on Zomato?
You get a 10% discount on Zomato orders using the card, but the discount is capped at ₹300 each month.
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