Question 1

What is the annual fee on the Cookies Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

How much cashback does the Cookies Credit Card give?

Accepted Answer

You get 10% back on Zomato, capped at ₹300 a month. Other eligible spends earn 1%. On ₹10,000 of spend in the top category that is ₹300 back, so about ₹3,600 a year if you hit it every month. Cash Advance, Fuel, Insurance, Utilities earn nothing at all.

Question 3

Which spends do not earn rewards on the Cookies Credit Card?

Accepted Answer

Cash Advance, Fuel, Insurance, Utilities, Wallet Load, Rent Payments earn nothing on this card. Welcome benefit voucher is sent up to 90 days after card issuance and only after payment of the first month's membership fee. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

Question 4

What changed on the Cookies Credit Card recently and is it still worth it in 2026?

Accepted Answer

RBL portfolio-wide: reward-exclusion expansion (Oct 2024) and reward-point cut up to ~32%. The changes are dated Oct 15, 2024. At ₹60,000 of yearly spend the card returns roughly ₹150 at its general rate of about 0.25%, against a ₹1,200 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

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