RBL Cookies Credit Card Review

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RBL Cookies Credit Card Review

RBL Bank · Gen-Z lifestyle · Mastercard
Our score: 6.3 / 10
Monthly fee: ₹100 (per current issuer page)
10% cashback on chosen favourite brands (capped ₹300/brand/month)
5X Reward Points on online purchases
Vouchers worth up to ₹7,000/year

Best for: Young professionals and students who order heavily on Zepto, Blinkit, Swiggy Instamart and Zomato.

What we like
  • 10% cashback on chosen favourite brands, capped at ₹300/brand/month (per issuer page)
  • Unlimited 5X Reward Points on online purchases
  • Welcome gift voucher of ₹1,000 (NOT ₹500) — choose from Croma, Myntra, Amazon, Flipkart, Shoppers Stop; redeemable on first transaction within 30 days of card issuance
  • Monthly fee just ₹100 (low entry barrier)
  • Vouchers worth up to ₹7,000 every year
Watch out for
  • Cashback capped monthly
  • No lounges
  • 3.5% forex
  • Narrow to Q-commerce use case

Fees & charges

ItemCharge
Joining fee₹500 + GST
Renewal fee₹500 + GST
Finance charge3.6% p.m.
Cash advance fee2.5% (min ₹500)
Forex markup3.5%
Late payment feeUp to ₹1,300

Rewards structure

5% on Zepto, Blinkit, Swiggy Instamart (capped ₹300/month). 2× on other online (1% effective). Welcome ₹500 voucher on first Q-commerce txn.

Key benefits

  • 5% Q-commerce (cap ₹300/month)
  • 2× online retail
  • Welcome ₹500 voucher
  • 1% fuel surcharge waiver
  • Free add-on

Who the RBL Cookies is for

Quick-commerce heavy users ordering ₹4-6K/month on delivery apps. Clears fee comfortably.

Final verdict

Targeted at Gen-Z spending patterns. Below ₹3K/month Q-commerce, the fee vs payback is tight.

FAQ

Is Swiggy regular food delivery counted?

Only Instamart (grocery) qualifies. Regular Swiggy food delivery earns base 2%.

Does Amazon Fresh count as Q-commerce?

Yes — Amazon Fresh and BigBasket 15-min delivery qualify.

Is the 5% capped annually too?

Monthly ₹300 cap resets each cycle. Annual uncapped beyond monthly limit.

Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.

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