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RBL Bank
A ₹100-a-month card that pays for itself on ₹5,000 of spend, built around three brands most people already use.
One-time
Waived on ₹60,000/yr
Capped at ₹300/month
Score 700+
Applying takes you to RBL Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms confirmed against the issuer
5 reward rates with their own caps, 7 recorded limitations, and every figure below traced to a source.
See where each figure came fromFood delivery
Pays up to ₹300 a month — reached at about ₹3,000 of spend
Online shopping
Pays up to ₹300 a month — reached at about ₹3,000 of spend
Travel
Pays up to ₹300 a month — reached at about ₹3,000 of spend
Online shopping
No published ceiling on this tier
Everything else
No published ceiling on this tier
etc.) earn no points; not suited for high spenders wanting uncapped rewards All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Food delivery — 10% back on Zomato, capped at ₹300 a calendar month — the ceiling is reached at ₹3,000 of spend, up to ₹300 per month.
Biggest limitation
The fee is charged monthly and waived monthly. Spend under ₹5,000 in a month and ₹100 + GST is charged for the next one — the waiver has to be earned twelve times, not once.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10%
cappedFood delivery
Pays up to ₹300 per month — reached at about ₹3,000 of spend.
10% back on Zomato, capped at ₹300 a calendar month — the ceiling is reached at ₹3,000 of spend
10%
cappedOnline shopping
Pays up to ₹300 per month — reached at about ₹3,000 of spend.
10% back on Myntra, capped at ₹300 a calendar month
10%
cappedTravel
Pays up to ₹300 per month — reached at about ₹3,000 of spend.
10% back on Uber, capped at ₹300 a calendar month
5 pts
uncappedOnline shopping
5 Reward Points per ₹100 online — worth about 1.25%, since a point redeems at ₹0.25
1 pts
uncappedEverything else
1 Reward Point per ₹100 offline — about 0.25% back
A Reward Point redeems at about ₹0.25 on the RBL Rewards Portal.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹1,200 | ₹100 + GST a month, waived for any month in which the previous month’s spend reached ₹5,000. Spend ₹5,000 every month and the fee is never charged; miss one month and you pay ₹100 for it. |
| Add-on card | As per RBL Bank's standard add-on card policy for this card variant (verify current fee at card issuance) | — |
| Cash withdrawal | 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction; finance charges of up to 3.99% per month apply from the withdrawal date | — |
| Late payment | Tiered late payment fee slabs based on outstanding balance, plus applicable GST, as per RBL Bank's MITC | — |
| Reward redemption | ₹99 | ₹99 + GST per redemption |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹1,000
of one-time welcome value, on top of what you earn
Every year after
₹60,000 a year
is what it takes to keep the ₹1,200 fee off — about ₹5,000 a month
Not offered on this card.
1% waiver. 1% of the transaction, or ₹10 — whichever is higher — on fuel spends between ₹500 and ₹4,000. Reversed monthly, up to ₹150.
A Visa card — in India, UPI linkage is available on RuPay credit cards only.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹1,000
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
1
spend threshold you can reach again each year
₹1,000 gift voucher — Amazon, Flipkart, Myntra, Croma or Shoppers Stop — on the first eligible transaction within 30 days and payment of the first month’s fee. Mailed within 60 days of issuance.
Spend ₹2,00,000 a year — about ₹16,667 a month
₹1,000 gift voucher on spending ₹2,00,000 or more in an anniversary year.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
RBL BankIndianOil RBL Bank Credit Card₹590
RBL BankRBL Bank NOVA Credit Card₹14,750
RBL BankRBL Bank Shoprite Credit Card₹590
RBL BankIndianOil RBL Bank XTRA Credit Card₹1,770
RBL BankRBL Bank Platinum Maxima Credit Card₹2,360| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| RBL Bank Cookies Credit Card · this card | ₹1,200 | 10% food delivery | No |
| RBL Bank SalarySe UP Credit Card | ₹589 | See card | No |
| IndianOil RBL Bank Credit Card | ₹590 | Up to 6% rewards | No |
| RBL Bank NOVA Credit Card | ₹14,750 | Up to 12 reward points per ₹200 | Included |
| RBL Bank Shoprite Credit Card | ₹590 | Up to 20 reward points per ₹100 | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹1,200 plus GST, waived on ₹60,000 of annual spend.
The strongest published rate is 10% on food delivery, capped at ₹300 per month — so roughly ₹3,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
A Visa card — in India, UPI linkage is available on RuPay credit cards only.
etc.) earn no points; not suited for high spenders wanting uncapped rewards No Reward Points on fees, finance/interest charges, or disputed/reversed transactions; reward redemption fee of ₹99+GST applies per redemption day No Reward Points on fuel, utilities, wallet loads, rent, insurance, railways, education, government services, cash withdrawals, contracted/quasi-cash services and EMI transactions
A Reward Point redeems at about ₹0.25 on the RBL Rewards Portal.
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
It is an entry-level lifestyle credit card from RBL Bank offering a low monthly membership fee, 5X Reward Points on online spends, and 10% cashback on Myntra, Uber and Zomato, aimed at digitally active everyday spenders.
The card charges ₹100 plus GST per month. This fee is waived for any month in which you spent ₹5,000 or more on the card during the previous month.
New cardholders receive a ₹1,000 gift voucher from Amazon, Flipkart, Myntra, Croma or Shoppers Stop on making their first eligible transaction within 30 days of card issuance, mailed within about 60 days.
You can earn 10% cashback, capped at ₹300 per calendar month per brand, on eligible spends at Myntra, Uber and Zomato.
No, the RBL Bank Cookies Credit Card does not offer complimentary domestic or international airport lounge access, as it is positioned as an entry-level lifestyle card.
Fuel, utilities, wallet loads, rent, insurance, railways, education, government services, cash withdrawals, and EMI transactions do not earn Reward Points on this card.
You get a 1% fuel surcharge waiver (or ₹10, whichever is higher) on fuel transactions, capped at a maximum waiver of ₹150 per month.
Reward Points can be redeemed via the RBL Rewards Portal for products, vouchers, hotel bookings and travel options. A reward redemption fee of ₹99 plus GST applies per redemption request.
CredSpy Pro Tip
Important Notice (2026)
CredSpy Verdict — 3.8/5
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
RBL Bank Cookies Credit Card — 10% on food delivery, up to ₹300 per month. ₹1,200 a year.