Card Details
Cookies Credit Card
Card Issuer
RBL Bank
Joining Fee
₹100
Annual Fee
₹1,200
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Earn Points
5 Rp/₹100
On online spends (₹0.20/rp)
10% Cashback
On myntra (min ₹100 txn; max ₹300/month)
10% Cashback
On zomato (max ₹300/month)
10% Cashback
On uber (max ₹300/month)
Benefits
Unlimited 5X Reward Points on online purchases
- Unlimited 5X Reward Points on online spends; 1 Reward Point per ₹100 on other eligible spends
- Redeem Reward Points at up to ₹0.20 a point (₹99 + GST redemption fee)
10% cashback on Myntra, Zomato and Uber
- 10% cashback on Myntra, Zomato and Uber: up to ₹300 per brand and ₹900 a calendar month in total
- ₹1,000 welcome gift voucher (Croma, Myntra, Amazon, Flipkart or Shoppers Stop) on a transaction within 30 days of card issuance
1% fuel surcharge waiver up to INR 150 per month
₹1,000 / ₹5,000 vouchers at ₹2L / ₹5L spend in…
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 ROIThings to Keep in Mind
10% cashback on Myntra, Zomato and Uber is capped at INR 300 per brand per month.
Welcome voucher is only for full-fee cardholders upon paying membership fee.
Welcome voucher is mailed within 60 days of card issuance.
10% cashback is capped at ₹300 per brand per month.
Reward redemption value differs across sources, with reported values of INR 0.20 to INR 0.25 per point.
Card insights
What Users Are Saying
Community Feed
Aug 2026
“RBL cookies card activated without consent”
by r/CreditCardsIndia, Aug 2026
“Deciding between RBL Cookies / RBL Apex card”
by r/CreditCardsIndia, Jul 2026
“RBL Shoprite vs Cookies”
by r/CreditCardsIndia, Mar 2025
“RBL cookies credit card”
by r/CreditCardsIndia, Jan 2024
Alternatives
If you spend…
Recommendation
Broad online cashback
Cashback SBI CardFood delivery heavy
Swiggy HDFC Bank Credit CardRBL groceries
RBL ShopRite Credit CardFrequently Asked Questions
No. It charges ₹100 + GST a month, waived for the next month when you spend ₹5,000 or more in a calendar month.
RBL Cookies credit card benefits, in one list
People search for the benefits more than anything else about this card, so here they are first:
- 10% cashback on Myntra, Zomato and Uber, capped at ₹300 per brand per month. That is up to ₹900 a month.
- Cashback only counts on transactions above ₹100.
- 5X reward points on other online purchases.
- A ₹1,000 welcome voucher once you pay the membership fee, mailed within 60 days.
- Milestone vouchers: ₹1,000 at ₹2 lakh and ₹5,000 at ₹5 lakh of spend in a membership year.
- A 1% fuel surcharge waiver on fills of ₹500 to ₹4,000, up to ₹150 a month.
There is no lounge access. Rent, wallet loads, fuel, insurance, utilities, education, EMI and government payments earn nothing.
This page is about RBL Cookies. It is not the RBL ShopRite card, which agents often pitch alongside it.
₹3,000 per app is the sweet spot
Because each brand stops at ₹300, the card pays its full 10% only up to ₹3,000 per brand. Here is a month that uses it well:
- ₹3,000 on Zomato: ₹300.
- ₹3,000 on Uber: ₹300.
- ₹2,000 on Myntra: ₹200.
That is ₹800 back on ₹8,000, and the spend also clears the ₹5,000 fee waiver for next month. Spend ₹6,000 on Zomato instead and you still get only ₹300, which is 5%. One popular Reddit tip pairs the Uber cashback with Uber One for about 20% off rides.
The monthly fee nobody mentions on the phone
Cookies does not have an annual fee. It charges ₹100 + GST, about ₹118, every month. Spend ₹5,000 in a calendar month and the next month's fee is waived. Users asked whether the ₹5,000 is counted by statement cycle; the bank page says calendar month, so 1 to 31 October decides November's fee.
Miss the ₹5,000 all year and you pay about ₹1,416. For a casual user, that wipes out most of the cashback.
The lifetime-free pitch
The loudest theme in our sentiment report (12 threads) is agents selling Cookies as lifetime free with a high limit. The card that arrives has the monthly fee, and several users got limits near ₹25,000. Five threads describe applications filed with wrong details or cards activated without consent, including an August 2026 post. If a card shows up that you did not agree to, do not activate it. Ask RBL in writing to close it and keep the agent's messages.
Outside the three partner apps, users say points are worth about 0.20% back, so this is a side card, not a main one.
Should you apply for RBL Cookies?
Apply if you spend ₹5,000 or more a month across Zomato, Uber and Myntra and want 10% back on those. It pays well inside that box.
Do not apply if you want broad online cashback; users prefer the Cashback SBI Card for that. And do not apply because an agent said it is free. It is not.
Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva
