RBL Bank Cookies Credit Card

1. 1₹2,00,000 a year₹1,000 of value
2. 2₹5,00,000 a year₹5,000 of value

Best for: Online-first spenders who use Zomato, Myntra and Uber regularly, First-time cardholders who spend at least ₹5,000 a month

Entry tier — great for first-time and lower-spend users.

Strongest value if you spend heavily on Dining ( 10% back).

• 10% cashback at Zomato, Myntra and Uber
• 5X reward points on online spends
• ₹1,000 welcome voucher plus ₹1,000 / ₹5,000 milestone vouchers
• 1% fuel surcharge waiver, up to ₹150 a month on ₹500–₹4,000 transactions
• Monthly fee waives automatically on ₹5,000 of monthly spend

• The 10% cashback is limited to three merchants and capped at ₹900/month (₹300 per brand)
• Base earn is a thin 1 reward point per ₹100 (~0.25%)
• The ₹100 monthly fee only waives if you spent ₹5,000 the previous month

Ways to convert what you earn into real value.

🎁 Redeem reward points for vouchers and products via the RBL rewards catalogue

🎁 Cashback credited against eligible partner spends

The RBL Bank Cookies Credit Card works well for online shoppers who frequently order from Zomato, Myntra, and Uber, as up to ₹900 in monthly cashback combined with milestone vouchers and the initial ₹1,000 welcome gift easily outvalues the ₹1,200 annual fee. However, if these specific partner merchants are outside your regular spending habits or if you cannot consistently maintain ₹5,000 in monthly purchases to waive the fee, the minimal 1-point baseline earn makes it difficult to justify.

Sources & verification

Fees, reward rates, and benefits for the RBL Bank Cookies Credit Card are taken from RBL Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 6 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for RBL Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2023 · 4 changes · last change Jan 2026

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

▼ Fee Observed Jan 2026 · Effective 7 Jan 2026

New 1% fee on large FASTag top-ups and toll payments

No FASTag or toll transaction fee → 1% fee on any FASTag-loading or toll-payment transaction above ₹10,000

From 7 January 2026 RBL Bank charges a 1% fee on any single FASTag-loading or toll-payment transaction above ₹10,000, measured per transaction per card, across merchant category codes 4784, 4111 and 4131. Because the threshold is per transaction rather than a monthly aggregate, it bites on one-off large FASTag top-ups rather than on regular commuting; splitting a top-up below ₹10,000 avoids it. The fee sits alongside RBL's existing 1% charges on rent, on utility spends above ₹50,000 a month, on fuel transactions above ₹10,000, and on education payments routed through third-party apps. It is a fee on the transaction, not a change to reward earning — these categories already earn no reward points on most RBL cards.

Verification: RBL Bank ↗ · Confidence: High

▼ Fee Effective 15 Oct 2024

New 1% fees on large fuel, utility & education spends

No category surcharge on fuel/utility/education → 1% on large fuel/utility & third-party education payments

From 15 Oct 2024 RBL added a 1% fee on any single fuel transaction over ₹10,000 (capped ₹3,000/txn), 1% on utility spends above ₹50,000 per month, and 1% on third-party-app education payments (Cred, PhonePe, Paytm, MobiKwik, NoBroker and similar). This reward-agnostic fee change applies to Cookies like the rest of the RBL line-up; the standard fuel-surcharge waiver on ₹500–4,000 fuel spends continues.

Verification: RBL Bank ↗ · Confidence: High

▼ Reward Effective 15 Oct 2024

Reward points excluded on several spend categories

Base points earned across most categories → Zero points on cash, bills, education, government & similar

Effective 15 Oct 2024 RBL stopped awarding base reward points on Education, Government Services, Contracted Services, Cash and Bills2Pay, and halted bonus/milestone accrual on Fuel & Auto, Utilities, Insurance, Quasi-Cash and Railways across its reward-point cards. On Cookies the impact is limited to its thin 1 RP/₹100 base earn on those categories — the card's core 10% Zomato/Myntra/Uber cashback is unaffected as it is direct cashback, not reward points.

Verification: RBL Bank ↗ · Confidence: High

◆ Launch Effective 2023

RBL Cookies launched as successor to Monthly Treats

RBL Bank introduced Cookies as an entry-level, monthly-fee lifestyle card replacing the older RBL Monthly Treats card (which stopped taking applications). Instead of an annual charge it levies ₹100 a month, waived automatically whenever the previous month's spend reaches ₹5,000. Headline benefits: 10% cashback at Zomato, Myntra and Uber (capped ₹900/month, ₹300 per brand), 5X reward points on online spends, 1 RP/₹100 base, a ₹1,000 welcome voucher and ₹1,000/₹5,000 milestone vouchers. Exact launch date is undocumented — reconstructed to 2023 from card-review coverage; RBL published no dated launch notice.

Verification: CardAdvisor Research · Confidence: Reconstructed

Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.

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Source: RBL Bank Cookies Credit Card value timeline — CardAdvisor

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Quick summary

Type Entry credit card

Reward rate 0.25%–10%

Best for Online-first spenders who use Zomato, Myntra and Uber regularly

Joining fee Free

Annual fee ₹1,200

Reviewed by

Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade

Last verified 6 Aug 2026

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