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▾RBL Cookies Credit Card Review
Best for: Young professionals and students who order heavily on Zepto, Blinkit, Swiggy Instamart and Zomato.
- 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
- Cashback capped monthly
- No lounges
- 3.5% forex
- Narrow to Q-commerce use case
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹500 + GST |
| Renewal fee | ₹500 + GST |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up 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.