RBL Bank Cookies Credit Card
RBL Bank
₹500
Joining fee
₹500
Annual fee
Monthly fee (Rs 100 + GST, not annual) waived for the subsequent month if the cardholder spends Rs 5,000+ in eligible categories in a calendar month.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Lounge access
0 domestic / 0 international visits per year
Reward details
1 reward point per Rs 100 on offline spend; 5 reward points per Rs 100 on online spend (fuel excluded from this online bonus per BankBazaar)
- 10% cashback on Zomato, Myntra, Uber — Rs 300 per brand monthly (Rs 900 total monthly cap)
Welcome bonus: Rs 1,000 voucher from major retailers
- Rs 2,00,000 annual spend: Rs 1,000 voucher
- Rs 5,00,000 annual spend: Rs 5,000 voucher
Redemption
Reward redemption fee Rs 99 + GST (official states effective from 15 August 2022).
Ratio: Up to Rs 0.20/point (official) vs Rs 0.25/point (BankBazaar) — minor discrepancy
Excluded from rewards: fuel (excluded from the online-spend bonus)
- 10% instant BookMyShow discount up to Rs 300/month; fuel surcharge waiver up to Rs 150/month on transactions Rs 500-4,000.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Budget-friendly, entry-level, and packed with rewards, positioned for value-conscious consumers seeking benefits across popular spending categories — BankBazaar
Sources
- Official — fees, rewards, redemption fee
- Aggregator — eligibility, forex, rewards, sentiment