RBL Bank Cookies Credit Card
RBL Bank • Mastercard / Visa / RuPay
10% cashback on Zomato Myntra and Uber (up to ₹300 per merchant ₹900/mo total); 5X rewards on other online spends; 10% BMS discount
Underwriting & Income Cutoffs
warningTriple Sub-Capping of ₹300 per Merchant on 10% Cashback
The 10% cashback is strictly partitioned: max ₹300 on Zomato max ₹300 on Myntra and max ₹300 on Uber. Unutilized limit in one merchant cannot cross-subsidize another.
10% cashback ka ₹900 pool teeno apps me ₹300-₹300 karke bata hua hai. Agar aapne Zomato pe ₹5000 kharche to bhi max ₹300 hi cashback milega.
Source: RBL Bank Cookies Credit Card Product Disclosure Page & Terms
warningRecurring Monthly Fee Trap on Low Spend Months
Monthly fee of ₹100 + GST is billed every billing cycle unless the cardholder spends at least ₹5000 in eligible retail categories during the preceding month.
Agar kisi mahine aapne ₹5000 se kam kharch kiya to agle mahine ₹100 + GST ki fee statement me jur jayegi.
Source: RBL-MITC-final.pdf Schedule of Charges
warningOffline Spend Base Devaluation to 0.25%
Offline transactions earn a meager 1 Reward Point per ₹100 (0.25% value) while fuel wallet and utility transactions are totally excluded.
Dukaan par physical swipe karne par sirf 0.25% ka mamooli reward milta hai.
Source: Technofino Community Reviews, DesiDime Card Discussion, BankBazaar Product Guide
Calculate Your Real Annual Profit on RBL Bank Cookies Credit Card
Drag the slider to your estimated monthly card spend to project net monetary yield.
The Math Behind RBL Bank Cookies Credit Card
RBL Bank Cookies Credit Card (RBL Bank) un logon ke liye design kiya gaya hai jo SHOPPING categories me spend karke 10% tak ka value back chahte hain. Lekin ₹1200 (+18% GST) ki annual fee ke sath, asli net profitability aapke merchant categories, waiver spend milestones aur hidden exclusions par depend karti hai.
• Partner Merchant Spends (10% return): Fee recover karne ke liye sirf ₹1,000 / mahina (₹12,000 / saal) spend zaroori hai.
• Regular Offline Spends (10% base return): Fee recover karne ke liye lagbhag ₹1,000 / mahina spend karna hoga. Isse kam spend karne par annual fee ki wajah se net return loss me chala jayega.
1. Merchant Tier Accelerators & Multipliers
Amazon, Flipkart, Myntra aur partner portals par spend karne par 5% se 10% tak ke accelerated reward multipliers milte hain. Par dhyan rahe ki yeh bonus rate sirf specific partner checkout par hi valid hota hai, normal offline retail swipes par standard 1% base rate hi milta hai.
2. Monthly Category Caps & Spending Ceilings
Sabhi accelerated shopping cards par monthly capping ya category spend ceiling hoti hai (jaise ₹1,000 se ₹1,500 maximum monthly cashback). Is limit ke cross hote hi earn rate drop hokar regular 1% ho jata hai, isliye festive sales me spend limit monitor karna zaroori hai.
3. Voucher Expiry vs Statement Credit Friction
Earn kiye gaye points ko direct statement credit me lene par bank ₹99 + 18% GST redemption fee charge kar sakta hai. Brand vouchers me redeem karne par 12-24 months ki expiry aur category lock-in ka dhyan rakhna zaroori hai taaki points expire na hon.
check_circleKise Lena Chahiye (Who Should Apply):
Agar aapka natural monthly kharcha SHOPPING merchants par hota hai aur aap saal me ₹12,000 ka spend aaram se cross kar lete hain.
cancelKise Bilkul Nahi Lena Chahiye (Who Should SKIP):
Agar aapka kharcha offline dukanon, petrol ya rent par zyada hota hai, ya online spend ₹1,000/mahine se kam hai, toh is card ko skip karein kyunki fee recover nahi hogi.
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Frequently Asked Questions
What is the annual fee of RBL Bank Cookies Credit Card and how can it be waived?expand_more
RBL Bank Cookies Credit Card ki joining aur annual renewal fee ₹1200 + 18% GST (Total: ₹1416.00) hai. Agar aap pichle saal me ₹1,00,000 ya usse zyada spend karte hain, toh renewal fee 100% reverse (waive) ho jati hai.
What is the minimum salary required for RBL Bank Cookies Credit Card?expand_more
Salaried applicants ke liye minimum net in-hand monthly salary ₹25,000 aur 750+ CIBIL score hona zaroori hai. Self-employed applicants ke liye ₹6.0 Lakhs+ annual ITR mandatory hai.
What are the ATM cash withdrawal and international forex charges?expand_more
ATM se cash withdraw karne par 2.5% (minimum ₹500) cash advance fee aur pehle din se finance charges lagte hain. International foreign currency spends par standard 3.5% forex markup + 18% GST deduct hota hai.
How does RBL Bank Cookies Credit Card reward point redemption work?expand_more
Earn kiye gaye points ko statement cash ya partner shopping vouchers me redeem kar sakte hain. Statement credit lene par 1 point lagbhag ₹0.25 ka hota hai aur bank ₹99 + 18% GST redemption fee charge karta hai.
• Data Authority: Audited against official bank Most Important Terms and Conditions (MITC) Schedule.
• Regulatory Reference: Reserve Bank of India (RBI) Credit & Debit Card Directions 2022/2024.
• Verification: Independent research conducted by EQUIS Intelligence Labs • Last verified: September 2026.