RBL Cookies Credit Card Review: 10% Back on Zomato, Myntra and Uber

The RBL Bank Cookies Credit Card charges a ₹100 monthly fee plus GST instead of a joining or annual fee, and waives the next month's fee whenever you spend ₹5,000 in a calendar month. It pays 10% cashback on Zomato, Myntra and Uber, up to ₹300 per brand a month, and 5 reward points per ₹100 on other online purchases.

By Ramesh Kulkarni · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee: ₹100 + GST
Annual fee: Not published by the bank
Base reward: 1 reward point per INR 100 on eligible offline (in-store) purchases (about 0.2% value)
Best category: Zomato, Myntra and Uber: about 10% value
Lounge: Domestic: None listed International: None listed
Forex markup: 3.5% of the amount
Network: Mastercard, Visa

Apply on RBL Bank's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

A good card for regular Zomato, Myntra and Uber users who spend ₹5,000 a month, and a weak one for people who mostly shop in stores.

Best for

Young earners who order food, buy clothes and book cabs on these three apps
Online shoppers who spend ₹5,000 or more every month
People who want a welcome voucher worth ₹1,000

Skip it if

Your spending drops below ₹5,000 in some months
You shop mostly in stores, where the earn is 0.2%
You want rewards on fuel, utilities or rail, which are all excluded

Highlights

₹100 a month plus GST; the next month is waived after ₹5,000 of spend
10% on Zomato, Myntra and Uber, up to ₹300 per brand a month
5 points per ₹100 online, worth up to ₹0.20 a point
₹1,000 welcome voucher and a ₹5,000 voucher on ₹5 lakh a year
Mastercard or Visa, with no lounge access

What the Cookies card is

Cookies is RBL Bank's online shopping card for people who live on a handful of apps. Its headline is 10% cashback on Zomato, Myntra and Uber, each capped at ₹300 a calendar month, so up to ₹900 in all. Other online purchases earn 5 reward points per ₹100 and in-store purchases 1 point per ₹100, and RBL say a point is worth up to ₹0.20 when redeemed.

The card is active and comes on Mastercard or Visa. There is no RuPay version, so linking it to UPI is not possible to do.

The things that matter

A monthly fee, not a yearly one. RBL charges no joining fee as such. The ₹100 plus GST membership fee start from the very first month, and the next month's fee is waived whenever you spend ₹5,000 in a calendar month.
Caps on the 10%. Cashback applies only to transactions above ₹100 and stops at ₹300 per brand, which you reach at ₹3,000 of spend with each.
Vouchers do the heavy lifting. A ₹1,000 welcome voucher, another ₹1,000 voucher at ₹2 lakh of yearly spend and a ₹5,000 one at ₹5 lakh.

Recent changes

On 17 October 2025 the late payment fee became 12.5% of whatever is outstanding, never under ₹5 and never over ₹1,300. RBL's schedule of charges (version of 4 June 2026) also add a 1% charge for FASTag recharges and tolls where a single payment crosses ₹10,000, from 7 January 2026. Those are the only dated changes in RBL's documents for this card.

By RBI's September 2026 count, RBL Bank had 4,716,637 credit cards outstanding, up from 4,585,190 a year before. The rest of its long lineup is on our RBL Bank cards page.

Cookies fees and charges

For cards issued after 10 May 2021 the membership fee is ₹100 a month plus GST, charged from the first month, and there is no annual fee. With 18% GST each month cost ₹118. Older Cookies cards, which was issued before 10 May 2021, pay ₹500 a year instead. An add-on card costs ₹200.

Keeping the fee at zero

The waiver works month by month. Make eligible transactions of ₹5,000 or more in a calendar month and the next month's ₹100 is waived. Fall short and you pay ₹118 the month after. Miss every month for a year and the card costs ₹1,416 (₹118 times 12), so a steady ₹5,000 spender pay only the first month's ₹118.

RBL's terms speak of eligible transactions for this waiver, so plan your ₹5,000 around shopping, food and cab spends rather than fuel, utility bills or rent, which the card treats as excluded spends.

Interest and penalties

RBL prices interest by risk, up to 3.99% a month (47.88% a year). Its MITC sets 3.35% a month (40.20% a year) for a bureau score above 775, 3.85% for 725 to 775 and 3.99% below 725. Pay late and RBL takes 12.5% of your outstanding as a fee, between ₹5 and ₹1,300, but only if the account is still past due after 3 days. On ₹8,000 outstanding that's ₹1,000, and the ₹1,300 ceiling starts to apply above ₹10,400 (₹1,300 divided by 12.5%).

Cash advance cost 2.5% of the amount, minimum ₹500, with finance charges from the day you withdraw. Over-limit fee is not there at all on RBL cards.

Usage fees and forex

Foreign currency mark-up: 3.5%.
Rent (MCC 6513): 1% of the amount.
Utilities: 1% on monthly utility spend above ₹50,000 per card.
Fuel and auto spends over ₹10,000 in one go: 1%, capped at ₹3,000 per transaction.
School or college fees paid via third-party apps: 1%, though paying on the institution's own website or card machine costs nothing.
FASTag top-ups and tolls: 1% if a transaction is more than ₹10,000 (in force since 7 January 2026).
Merchant EMI processing: 1.5% or ₹150, whichever is higher; cash payment at an RBL branch ₹100; cheque or auto-debit return ₹500.

GST at 18% applies to all of these. The fuel surcharge waiver covers fills from ₹500 to ₹4,000 and is capped at ₹150 a month, though fuel earns no points.

Cookies: fees and charges

Joining fee	₹100 + GST
Annual or renewal fee	Not published by the bank
Annual fee waiver	Next month's fee waived when eligible spends in a calendar month are INR 5,000 or more
Add-on card fee	₹200 + GST
GST	Charged on top of the fees and charges listed
In the bank’s words	Monthly membership fee INR 100 + GST (cards issued after 10 May 2021), from the first month; no annual fee. Cards issued before 10 May 2021: INR 500 a year. Add-on card INR 200
Interest on unpaid balances	Up to 3.99% a month (47.88% a year)
Late payment fee	12.5% of total outstanding amount, minimum INR 5 and maximum INR 1,300 (w.e.f. 17 October 2025); levied only when the account is past due for more than 3 days
Cash withdrawal	2.5% of the cash amount withdrawn (minimum INR 500) plus finance charges from the date of withdrawal
Over-limit fee	NIL
Forex markup	3.5% of the amount
Other fees	Cash advance fee 2.5% of the cash amount (minimum INR 500); finance charges accrue from the date of withdrawal Fee on rental transactions (MCC 6513): 1% of transaction amount Fee on utility spends (MCC 4900): 1% on aggregate utility spends above INR 50,000 per month per card Fee on fuel and auto transactions: 1% on each transaction above INR 10,000, maximum INR 3,000 per transaction Fee on education payments made through third-party apps (CRED, PhonePe, Paytm and others): 1%; none when paid on the school/college website or POS Fee on FASTag loading and toll payments (MCC 4784, 4111, 4131): 1% on transactions above INR 10,000, w.e.f. 7 January 2026 Foreign currency transaction markup: 3.5% (0% on World Safari, World Safari Lite, World Safari Plus and Lumiere; 2% Nova; 1.5% Insignia/iGlobe/World Xclusive) Merchant EMI processing fee: 1.5% of amount or INR 150, whichever is higher Cash payment at RBL Bank branches: INR 100 per transaction Cheque return / auto-debit reversal: INR 500 Reward redemption fee: INR 99 + GST, once per day of redemption All charges attract GST at 18%

How Cookies rewards work

Three earn rates apply. Zomato, Myntra and Uber transactions above ₹100 get 10% cashback, up to ₹300 per brand per calendar month. Other online purchases earn 5 reward points per ₹100 with no cap stated, RBL calls it unlimited. In-store purchases earn 1 point per ₹100.

RBL's card page says you can redeem up to ₹0.20 a point. At that best rate, online points are worth 1% and offline points 0.2%. Points not redeemed within 24 months expire, and RBL charge ₹99 plus GST (₹116.82) once for all redemptions made on the same day, so saving up and redeeming in one go is the sensible way.

Nothing is earned on rent, wallets, utilities, railways, fuel and auto, insurance, quasi-cash, education, government, contracted services, cash, MCC 5960, Bills2Pay, EMI conversions and fees.

Vouchers and extras

The welcome voucher is worth ₹1,000, from Amazon, Flipkart, Myntra, Croma or Shoppers Stop, if you transact within 30 days and pay the first month's fee. The card page promise it within 60 days of issuance while the product terms say 90 days, so allow up to 90. A ₹1,000 voucher comes at ₹2 lakh of eligible spends in a membership year and a ₹5,000 voucher at ₹5 lakh. There's also a 10% instant discount on BookMyShow, up to ₹300, once a month.

Three worked examples

Points are valued at RBL's stated maximum of ₹0.20. Cashback on the three brands counts as cash, and those brand spends are not given points as well, because RBL don't confirm that both apply.

Light: ₹6,000 a month

Spend	Amount	Earns
Zomato	₹1,500	₹150 cashback
Uber	₹1,000	₹100 cashback
Other online	₹1,500	75 points (₹15)
In-store	₹2,000	20 points (₹4)
Total	₹6,000	₹269

A year brings ₹3,228 (₹269 a month). Each month crosses ₹5,000, so only the first month's ₹118 fee is paid, and the ₹1,000 welcome voucher more than cover it.

Typical: ₹15,000 a month

Spend	Amount	Earns
Zomato	₹3,000	₹300 cashback (cap)
Myntra	₹2,000	₹200 cashback
Uber	₹1,500	₹150 cashback
Other online	₹4,500	225 points (₹45)
In-store	₹4,000	40 points (₹8)
Total	₹15,000	₹703

That is ₹8,436 a year against one ₹118 fee. Yearly spend is ₹1,80,000, which is ₹20,000 short of the ₹2 lakh milestone, so one large purchase would add a ₹1,000 voucher.

Heavy: ₹45,000 a month

Spend	Amount	Earns
Zomato	₹5,000	₹300 cashback (cap)
Myntra	₹4,000	₹300 cashback (cap)
Uber	₹3,000	₹300 cashback (cap)
Other online	₹20,000	1,000 points (₹200)
In-store	₹13,000	130 points (₹26)
Total	₹45,000	₹1,126

Cashback is maxed at ₹900, and ₹3,000 of the Zomato and Myntra spend earn nothing extra (₹2,000 plus ₹1,000 above the ₹3,000 per-brand mark). The year comes to ₹13,512, plus the ₹5,000 voucher because ₹5,40,000 crosses ₹5 lakh, so about ₹18,512 before one ₹116.82 redemption fee and the ₹118 first-month fee. RBL's terms list the ₹2 lakh and ₹5 lakh vouchers separately without saying both are paid, so only the ₹5,000 one is counted.

Cookies: higher-reward categories

Category	Rate	Cap
Online purchases	5 reward points per INR 100, about 1% value	No cap stated ('Unlimited 5x Reward Points on Online purchases')
Zomato, Myntra and Uber (transactions above INR 100)	10% cashback, about 10% value	INR 300 per brand per calendar month (INR 900 a month across the three), calendar month

Cookies: how rewards work

Earned as	RBL Bank reward points, plus statement cashback on three brands
Base rate	1 reward point per INR 100 on eligible offline (in-store) purchases. About 0.2% value back
Minimum spend rules	Not published by the bank
No rewards on	Fuel & Auto (MCC 0032, 2541, 4001, 5542, 5541, 5172) Railways Utilities (MCC 4900) Real estate / rental (MCC 6513) Wallets / service providers (MCC 6540) Insurance Quasi-cash Education Government services Contracted services Cash Miscellaneous (MCC 5960) Bills2Pay EMI conversions (Split-N-Pay and EMI at POS/web/app) Fees, charges and GST
Lower rewards on	None published
Value of a point	RBL rewards portal (issuer's stated maximum): Make the Most of Your Points: Redeem up to INR 0.20 per point.
Redemption fee	INR 99 + GST, charged once for all redemptions made in a single day
Expiry	Points not redeemed within 24 months expire
Welcome benefits	Voucher worth INR 1,000 (Amazon, Flipkart, Myntra, Croma or Shoppers Stop) on a transaction within 30 days and payment of the first month's fee
Milestone benefits	Voucher worth INR 1,000 on INR 2 lakh eligible spends in a membership year Voucher worth INR 5,000 on INR 5 lakh
Lounge access	Domestic: None listed International: None listed
Fuel surcharge waiver	Fuel surcharge waived on fuel spends of INR 500 to INR 4,000; maximum INR 150 per month
Insurance cover	None listed

Applying for Cookies

RBL Bank publishes no age or income criteria for the Cookies card. The only age band RBL puts out is 21 to 70 for its IndianOil cards, which tells nothing about Cookies. So whether you qualify is decided entirely inside RBL's own assessment.

What you'll need

PAN, a mandatory field on the application.
Identity checks by any route RBL offers: Aadhaar e-KYC, a video call, biometrics, offline KYC, or your CKYC record if one exists.
Your net monthly income, declared on the form.

How to apply

Apply online with the Apply Now link on RBL's Cookies page. RBL says processing take as long as 20 days after it has complete KYC and details from you. You can pick Mastercard or Visa, and an existing cardholder can ask for the other network by calling +91 22 6232 7777; the toll-free number in the MITC is 1800 102 6222.

What RBL looks at

The RBI's 2025 Directions for commercial banks require RBL to weigh your credit risk against your own financial means and to factor in the limits you have elsewhere, using your declaration or bureau data. They lay down no minimum age or income; that is left for the bank. Since RBL prices interest by bureau score, a score above 775 also bring the lowest rate of 3.35% a month.

A Key Fact Statement should come along with the application, and a rejection must carry specific reasons in writing. RBL alone decide whether to issue the card and how big the limit is. If the card isn't activated in 30 days, RBL has to ask for your OTP consent before keeping it open, and the account can't be reported to bureaus before activation.

Cookies: eligibility and documents

Age (salaried)	Not published by the bank
Age (self-employed)	Not published by the bank
Income (salaried)	Not published by the bank
Income (self-employed)	Not published by the bank
Other conditions	RBL Bank does not publish age or income criteria for this card
Documents	PAN (mandatory field on the application) KYC through Aadhaar e-KYC / Video KYC / biometric KYC or offline KYC, or CKYC record Net monthly income declared on the application
How to apply	Online through the 'Apply Now' links on each card page (creditcard.rbl.bank.in); KYC by Aadhaar e-KYC, Video KYC, biometric or offline modes. RBL says processing takes up to 20 days once KYC and details are complete.
Card customer care	+91 22 6232 7777

These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.

Cookies against other online shopping cards

The table on this tab compares the numbers. Here is where each of them win.

SBI SimplyCLICK

The SimplyCLICK SBI Card has a yearly ₹499 plus taxes fee, reversed on ₹1 lakh of spend. It gives 10 points per ₹100 with partners including Myntra, Swiggy and BookMyShow, which at 25 paise is ₹2.50 per ₹100, and 5 points elsewhere online up to 10,000 points a month. A ₹500 Amazon Pay gift card is coming after the fee gets paid, and ₹2,000 travel vouchers come at ₹1 lakh and ₹2 lakh of online spend.

Swiggy Ornge HDFC Bank

The Swiggy Ornge HDFC Bank card pays 5% on Swiggy and a long list of online merchants that includes Myntra and Uber, capped at ₹1,500 per billing cycle, and 1% elsewhere up to ₹1,000. The ₹500 fee is waived from the second year on ₹1.5 lakh of spend. Its 5% is half the 10% on Cookies, but the cap is far bigger.

Axis Bank MY Zone

The Axis MY Zone card lists ₹500 a year in its MITC and is offered lifetime free on Visa till 31 December 2026 as a limited-period offer. It earns 4 EDGE points per ₹200, about 0.4% at ₹0.20 a point, and gives 1 domestic lounge visit a quarter after ₹50,000 of spend in the previous 3 months, which Cookies does not.

Which to pick

Pick Cookies if Zomato, Myntra and Uber are your main apps and you spend near ₹3,000 a month on each. Pick SimplyCLICK for wider online partners, Swiggy Ornge if Swiggy is your food app and you put more than ₹30,000 a cycle on its merchants (₹1,500 at 5%), and MY Zone if you want a fee-free card with a lounge visit while the offer last. RBL's own Platinum Maxima Plus is the bank's everyday rewards alternative.

Cookies against similar cards

Term	Cookies Credit Card This card	SimplyCLICK SBI Card	Swiggy Ornge HDFC Bank Credit Card	HDFC Bank UPI RuPay Credit Card
Bank	RBL Bank	SBI Card	HDFC Bank	HDFC Bank
Joining fee	₹100 + GST	₹499 + GST	₹500 + GST	₹99 + GST
Annual fee and waiver	Not published by the bank	₹499 + GST. Renewal Fee is reversed if annual spends for last year >= Rs. 1,00,000.	₹500 + GST. Annual Fee starting second Year waived off on spending ₹1.5 lakh / Annum	₹99 + GST. Spend ₹25,000 or more annually before the renewal date and get a renewal fee waiver from the second year onwards.
Base reward	1 reward point per INR 100 on eligible offline (in-store) purchases (about 0.2% value)	1 Reward Point per Rs. 100 on all other spends (about 0.25% value)	1% cashback on other eligible spends, capped at ₹1,000 per billing cycle (about 1% value)	1% CashPoints on other spends, up to 500 CashPoints a calendar month (about 1% value)
Best category	Zomato, Myntra and Uber: about 10% value	Online spends with exclusive partners: Apollo 24x7, BookMyShow, Cleartrip, Domino's, GyFTR, IGP, Myntra, Netmeds, Swiggy, Tata CLiQ, Yatra: about 2.5% value	Swiggy app and eligible online merchants and MCCs: Amazon, Flipkart, Myntra, Nykaa, Cleartrip, BookMyShow, Uber, PharmEasy, Croma, Vijay Sales, Reliance Digital, Netflix, SonyLIV, Prime, Hotstar, Paytm Travel, Ixigo, Yatra, EaseMyTrip, ibibo; apparel, pharmacy, pet, personal care, travel and hotel, electronics MCCs: about 5% value	Groceries and supermarkets, dining and all PayZapp transactions: about 3% value
Lounges	Domestic: None listed International: None listed	Domestic: None listed on card page International: None listed on card page	Domestic: None stated International: None stated	Domestic: None International: None
Forex markup	3.5% of the amount	3.5% of the amount	3.5% of the amount	3.5% of the amount
Network	Mastercard, Visa	Visa, Mastercard	Mastercard	RuPay
Published minimum income	Not published by the bank	Stable income; SBI Card says the specific minimum varies by card and does not...	₹20,000 a month	₹35,000 a month
Status	Taking applications	Taking applications	Taking applications	Taking applications

Frequently asked questions

Does the RBL Cookies card have an annual fee?

Not for cards issued after 10 May 2021. RBL charges a monthly membership fee of ₹100 plus GST instead, which is ₹118, from the first month. If your eligible spends reach ₹5,000 in a calendar month, the next month's fee is waived. Cookies cards issued before 10 May 2021 pay ₹500 a year.

What is a Cookies reward point worth?

RBL says you can redeem points for up to ₹0.20 each, so 5 points per ₹100 online is worth up to 1% and 1 point per ₹100 offline up to 0.2%. Points expire after 24 months if not redeemed. A redemption fee of ₹99 plus GST is charged once for all the redemptions you make on a single day.

What is the eligibility for the RBL Cookies credit card?

RBL Bank does not publish age or income criteria for Cookies. The application asks for your PAN and net monthly income, and identity is verified through Aadhaar e-KYC, Video KYC, biometrics, offline KYC or an existing CKYC record. RBL assesses your credit profile and decides on approval; processing can take up to 20 days after a complete application.

Does RBL Cookies give lounge access or a low forex rate?

No. RBL lists no domestic or international lounge access for Cookies. Foreign currency spends carry a 3.5% mark-up with 18% GST on top, so ₹4,000 spent abroad costs ₹140 of mark-up and ₹25.20 of GST. The card's strengths are online food, fashion and cab spends in India, not travel.

What changed on the RBL Cookies card recently?

Two charges changed. Since 17 October 2025 a late payment costs 12.5% of the outstanding balance, no less than ₹5 and no more than ₹1,300, and RBL levies it only after the account has been past due for over 3 days. Since 7 January 2026 a FASTag load or toll payment above ₹10,000 carries a 1% fee.

How does the 10% cashback on Zomato, Myntra and Uber work?

Each brand earns 10% cashback on each transaction over ₹100, with a ₹300 ceiling per brand per calendar month, so ₹900 at most across the three. The ₹300 cap is reached at ₹3,000 of spend with one brand. Cashback is paid on settled transactions as statement cashback, and spend beyond the caps earns no extra cashback.

Sources

RBL Bank: Schedule of Charges (RBL-CC-SOC-V2-04-06-2026); Cookies Credit Card Terms and Conditions; RBL Bank Rewards Terms & Conditions (live page refused the fetch; read from Internet Archive capture of 2026-05-20; Most Important Terms and Conditions cum Key Fact Statement for Credit Cards; Cookies Credit Card; RBL Bank Credit Card Network Availability Guide; Credit Card Application Form (RBL-CC-LF-23-09-2026)

Last verified: 5 November 2026

Written by Ramesh Kulkarni, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.