Card Details
Cookies Credit Card
Monzy Score
7/ 10
Good for diners and foodies.
Strong ~10% back in its core category; thin rewards outside its core category; high 3.5% forex markup.
Card Issuer
RBL Bank
Joining Fee
₹1,200
Annual Fee
₹1,200
Reward Type
Reward Points
Card Access
Standard
Earn Points
5 pts/₹100
on online spends
1 pt/₹100
on offline retail spends (ex-fuel/utilities etc.)
10%
Cashback on Myntra (capped at ₹300 per month)
10%
on Zomato (capped at ₹300 per month)
Benefits
Unlimited 5X points on online purchases
- Accelerated online rewards
- Unlimited 5X reward points on online spends
- 1 reward point per ₹100 on offline transactions excluding fuel and blocked categories
- No reward points on fuel, utilities, wallet reloads, insurance, railways, rent and similar categories
- Reward redemption incurs ₹99 + GST per request
10% cashback on Zomato
- Partner cashback on food and lifestyle brands
- 10% cashback on Zomato, Myntra and Uber capped at ₹300 per brand per month
- 10% discount on BookMyShow tickets up to ₹300 per month
- Cashback/discount above ₹300 per brand per month is forfeited
₹100 monthly fee waived with ₹5,000 spend
1% fuel surcharge waiver
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Estimated Returns
Online spends (reward points)
5 RP per Rs.100 online (~1.25%). RP = Rs.0.25.
₹375
Offline spends (reward points)
1 RP per Rs.100 offline (~0.25%).
₹0
Zomato / Uber / Myntra
10% cashback, capped Rs.300/calendar month PER brand. Credited within 60 days.
₹0
BookMyShow
10% cashback on BookMyShow, similar monthly per-brand cap.
₹0
Total Annual Return
₹4,500
1.25% Effective ROIWhat Users Are Saying
Community Feed
Jul 2024
“RBL cookies credit card”
by r/CreditCardsIndia, Jul 2024
“Getting these from RBL. Any of them worth it?”
by r/CreditCardsIndia_, Mar 2026
“RBL Shoprite vs Cookies”
by r/CreditCardsIndia, Jul 2025
“Too good to be true - RBL Bank?”
by r/CreditCardsIndia, Sep 2025
“Hello People, This agent said limit is 5 lakh and Lifetime”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The joining fee is ₹0 plus GST and the renewal fee is ₹1,200 plus GST. RBL Bank waives the renewal fee if you spend ₹60,000 in the previous year, which is about ₹5,000 a month. If your card spend sits below that, treat ₹1,200 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
Rewards not earned on fuel and auto, rental, utilities, insurance, railways, education, govt services, cash withdrawal, contracted services, quasi-cash and miscellaneous spends.
Max cashback is capped at INR ₹900/month with a limit of ₹300/brand
Reward redemption attracts a ₹99 + GST fee.
Welcome benefit of ₹1000 Myntra voucher is given on making one retail transaction within 30 days of card issuance.
