RBL Bank Cookies
RBL Bank · Checked 2026-10-09
RBL Bank Cookies is a paid card focused on straightforward cashback, shopping rewards and online spending, charging ₹1,200 annually before GST.
CardIQ editorial view
Our take
RBL Bank Cookies is a paid card focused on straightforward cashback, shopping rewards and online spending, charging ₹1,200 annually before GST.
Who it suits
- People who prioritise straightforward cashback.
- People who prioritise shopping rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 10% cashback on Zomato, Myntra and Uber; 5 points per ₹100 on online purchases and 1 point on other eligible purchases.
- ₹100 + GST monthly fee is waived for the next month at ₹5,000 eligible monthly spend.
Trade-offs to understand
- Cashback capped at ₹300 per brand and ₹900 total each calendar month; eligible transactions must exceed ₹100.
- ₹100 + GST monthly fee is waived for the next month at ₹5,000 eligible monthly spend.
- The ₹1,200 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 10% cashback on zomato, myntra and uber; 5 points per ₹100 on online purchases and 1 point on other eligible purchases valuable enough to clear the fee. Factor in this condition: Cashback capped at ₹300 per brand and ₹900 total each calendar month; eligible transactions must exceed ₹100.
Compare before deciding
- RBL Bank Jalsa — A lower-fee way to compare similar strengths in shopping rewards and online spending.
- HDFC Bank Millennia — A lower-fee way to compare similar strengths in shopping rewards and online spending.
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Benefits, limits and conditions
- Cashback capped at ₹300 per brand and ₹900 total each calendar month; eligible transactions must exceed ₹100.
- Points redeem for up to ₹0.20 each.
- ₹100 + GST monthly fee is waived for the next month at ₹5,000 eligible monthly spend.