RBL Bank Cookies Credit Card – Benefits, Fees & Eligibility

RBL Bank Cookies Credit Card

Introduction

The RBL Bank Cookies Credit Card is designed to offer exclusive benefits with a low monthly membership fee. Cardholders earn 1 Reward Point on every offline spend of Rs. 100 and an accelerated 5X Reward Points on online expenditures. With a monthly joining fee of Rs. 100, the card provides a welcome gift voucher worth Rs. 1,000 upon making the first transaction. Additionally, users can enjoy a 10% discount across popular platforms like BookMyShow, Zomato, Uber, and Myntra. Key features also include the opportunity to earn gift vouchers up to Rs. 5,000 on achieving milestone spends, a spend-based waiver of the monthly membership fee, and a fuel surcharge waiver up to Rs. 150 per month.

Welcome Benefits

• Receive a gift voucher worth Rs. 1,000 from Flipkart, Amazon, Croma, Myntra, or Shoppers Stop upon making your first purchase within the first 30 days of card issuance.

Fees

• Joining Fee: Rs. 100 + GST (Monthly)
• Renewal Fee: Rs. 100 + GST (Monthly)
• Spend-Based Waiver: The monthly renewal fee is waived off on spending Rs. 5,000 or more in the previous month.
• Rewards Redemption Fee: Rs. 99 + GST per redemption request.
• Foreign Currency Markup: Up to 3.5% on all foreign currency spends.
• Interest Rates: Up to 3.99% per month.
• Fuel Surcharge: 1% fuel surcharge waiver for all fuel transactions between Rs. 500 and Rs. 4,000.
  • The maximum fuel surcharge waiver is capped at Rs. 150 per month.
• Cash Advance Charges: 2.5% of the amount withdrawn or Rs. 500, whichever is higher.

Rewards

• Reward Points Earning:
  • Earn 1 Reward Point on every offline retail spend of Rs. 100.
  • Earn 5 Reward Points on every online transaction of Rs. 100 (unlimited 5x Reward Points on online spends).
  • No Reward Points are earned on fuel, utility, wallet reloads, insurance, railways, and rental payments.
• Movies & Dining:
  • Get a 10% discount on movie bookings via BookMyShow, with a maximum cap of Rs. 300 per month.
  • Enjoy 10% cashback on Zomato spends.
• Travel: Not applicable.
• Domestic Lounge Access: Not applicable.
• International Lounge Access: Not applicable.
• Golf: Not applicable.
• Insurance Benefits: Not applicable.
• Lifestyle:
  • Receive 10% cashback on Myntra spends.
  • Receive 10% cashback on Uber spends.
  • The maximum cashback earned across Zomato, Myntra, and Uber combined is Rs. 300 per month.
• Fuel Benefits:
  • Enjoy a 1% fuel surcharge waiver for all fuel transactions between Rs. 500 and Rs. 4,000, capped at Rs. 150 per month.
• Milestone Benefits:
  • Get a gift voucher worth Rs. 1,000 from Amazon, Flipkart, Croma, Myntra, or Shoppers Stop on spending Rs. 2 lakhs or more in an anniversary year.
  • Get a gift voucher worth Rs. 5,000 from Amazon, Croma, Flipkart, Myntra, or Shoppers Stop on spending Rs. 5 lakhs or more in an anniversary year.

Rewards Redemption Guide

• Reward Points can be redeemed at the RBL Rewards website (www.rblrewards.com).
• Points can be redeemed against travel, hotel bookings, and various products available on the Rewards website.
• Conversion Rate: 1 Reward Point = Rs. 0.25.
• A Reward redemption fee of Rs. 99 + GST is charged per redemption request.

Card Review

The RBL Bank Cookies Credit Card is a solid option for individuals seeking an affordable card with significant saving opportunities, especially for online shopping and lifestyle expenditures. Its low monthly membership fee of Rs. 100, which can be easily waived, makes it accessible. Cardholders benefit from a 10% cashback on movie bookings via BookMyShow and a combined monthly cashback of up to Rs. 300 on popular platforms like Uber, Myntra, and Zomato. The card also offers substantial welcome benefits, milestone rewards, and a fuel surcharge waiver. Unlimited reward points on online purchases further enhance its value proposition.

Pros

• The joining fee is relatively low at Rs. 100 per month, which can be easily waived by spending Rs. 5,000 in the previous month.
• Provides 10% cashback on movie ticket bookings through BookMyShow.

Cons

• There is a reward redemption fee of Rs. 99 + GST, which can reduce overall savings.
• Reward points are not earned for transactions made on utility payments, wallet reloads, insurance, railway bookings, and rental payments.

Important Product Details

• A welcome gift voucher worth Rs. 1,000 is provided.
• Earn up to 5 Reward Points on every Rs. 100 spent online.
• Get a 10% discount on BookMyShow.
• Receive 10% cashback on Zomato, Uber, and Myntra transactions.
• Gift vouchers worth up to Rs. 5,000 are available on achieving milestone spends.
• The monthly membership fee can be waived based on spending.
• Includes a 1% fuel surcharge waiver, up to Rs. 150 per month.

Other Details

How To Apply

• Offline Application: Visit your nearest RBL Bank branch.
• Online Application:
  • Click on the "Apply Now" button on the card's webpage.
  • Fill in the required details in the application form.
  • Your application will be submitted for consideration.
  • Once approved, the card will be delivered to your address.