RBL Bank Cookies Credit Card

The RBL Bank Cookies Credit Card is an entry-level credit card that offers customers exclusive benefits at an affordable monthly fee of just Rs. 100. Designed to provide value across popular spending categories, this card enables users to earn 1 Reward Point for every Rs. 100 spent offline and accelerated 5X Reward Points for online transactions.

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What is a RBL Bank Cookies Credit Card?

The RBL Bank Cookies Credit Card is an entry-level credit card designed to provide customers with exclusive benefits at an affordable cost. With a monthly membership fee of just Rs. 100, it offers features such as reward points on every spend, discounts on popular platforms like BookMyShow, Zomato, Uber, and Myntra, and milestone rewards of up to Rs. 5,000 in vouchers. Cardholders can enjoy a Rs. 1,000 gift vouchers upon their first transaction, save on fuel with a surcharge waiver, and benefit from a fee waiver by meeting spend-based criteria. This card is tailored for those looking for a budget-friendly credit card packed with rewards and savings.

Particulars

Details

Joining Fee

Rs. 100 per month + GST

Renewal Fee

Rs. 100 per month + GST (waived off on spending Rs. 5,000 the previous month)

Suitability

Best suited for shopping and entertainment

Welcome Benefit

Welcome gift voucher worth Rs. 1,000 upon card activation

Reward Points

Earn one Reward Point for every Rs. 100 spent on offline purchases andEarn five Reward Points for every Rs. 100 spent online (excluding fuel)

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Key Highlights of the RBL Bank Cookies Credit Card

  1. A gift voucher worth Rs.1,000 is provided as a welcome gift.
  2. Earn 5 Reward Points per Rs.100 spent online.
  3. Earn 1 Reward Point per Rs.100 spent offline.

Features and Benefits of the RBL Bank Cookies Credit Card

Mentioned below are the features and benefits of the RBL bank Cookies Credit Card:

Particulars

Details

Welcome Benefit

Start your journey with a Rs. 1,000 gift voucher, redeemable at popular brands such as Shoppers Stop, Croma, Myntra, Flipkart, or Amazon. To avail of this, simply make a purchase within the first 30 days of card issuance.

Shopping Benefit

Enjoy 10% cashback on purchases from Zomato, Myntra, and Uber, allowing you to save with every transaction.

Dining Delights

Get 10% cashback on Zomato transactions, with a maximum cashback limit of Rs. 300 per month, making dining experiences more rewarding.

Rewards Points

Earn one Reward Point for every Rs. 100 spent on offline purchasesEarn five Reward Points for every Rs. 100 spent online (excluding fuel).

Fuel Surcharge Waiver

Save up to Rs. 100 per month on fuel transactions ranging from Rs. 500 to Rs. 4,000.

Entertainment Perks

Enjoy 10% cashback on BookMyShow transactions, capped at Rs. 300 monthly.

Milestone Program

Unlock gift vouchers worth Rs. 1,000 on spending Rs. 2 lakh in a membership year.Earn vouchers worth Rs. 5,000 on spending Rs. 5 lakh in a membership year.Vouchers are available from popular brands like Amazon, Flipkart, Myntra, Croma, and Shoppers Stop.

Easy Voucher Program

Choose your preferred voucher or vouchers, and they will be delivered within 45 days of meeting the eligible spending criteria.

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The credit limit on your RBL Bank Cookies Credit Card is based on a number of factors and will be intimated to you by the bank.

The credit limit on your RBL Bank credit card depends on factors such as the number of credit cards you currently own, your current debt obligations, your credit repayment history, employment status, your income, and your credit score among other factors.

As such, two people can have different credit limits for the same card.

How to Redeem Points Earned on Your RBL Bank Cookies Credit Card

To redeem your points, follow these steps:

  1. Log in to the RBL Rewards Portal using your username and password.
  2. Select the reward of your choice and add it to cart.
  3. You can then proceed to redeem your points for that product.

Particulars

Amount

Monthly fee

Rs.100 + GST

Renewal fee

Rs.100 + GST (waived off on spending Rs.5,000 previous month) 

Add-on card fee

Nil.

Interest rate

Up to 3.99 per month (47.88 p.a.)

Cash advance fee

2.5% of the amount withdrawn, subject to a minimum of Rs.500.

Late payment fee

12.5% of the amount due, subject to a minimum of Rs.50 and a maximum of Rs. 1,300

Over limit fee

NIL

Foreign currency mark-up fee

Up to 3.5% of the transacted amount

  1. Redeem your accumulated Reward Points through the RBL Rewards platform.
  2. Points can be redeemed for travel, hotel bookings, or various products listed on the Rewards website.
  3. Redemption Value: One Reward Point equals Rs. 0.25.
  4. A redemption fee of Rs. 99 applies per redemption request.

Steps to Redeem Your Voucher

Mentioned below are the steps to redeem your RBL Cookies Credit Card voucher:

  1. Receive Eligibility Notification: Once eligible, you will receive an email and SMS containing a redemption link.
  2. Access Redemption Webpage: Click on the link provided to open the redemption webpage.
  3. Enter Mobile Number: Input your registered mobile number and click on the 'Submit' button.
  4. Verify with OTP: Enter the OTP sent to your registered mobile number for verification.
  5. Select Voucher: Browse and choose your preferred voucher from the available brand options.
  6. Specify Details: Select the desired denomination and quantity for redemption.
  7. Complete Redemption: Click the 'Submit' button, and the voucher will be sent to your registered mobile number and email ID.

How to Apply for RBL Bank Cookies Credit Card

Follow these simple steps to apply for the Cookies Credit Card:

  1. Visit the Official Website: Access the application page through this URL: RBL Bank Cookies Credit Card.
  2. Click 'Get It Now': Select the Get It Now button to proceed to the application form.
  3. Fill in Personal Details: Provide information such as your full name, date of birth, gender, mobile number, email ID, and city of residence.
  4. Consent to Communication: Check the box to allow the bank to contact you regarding your application.
  5. Verify Identity: Confirm you are not a robot by checking the CAPTCHA box, then generate and enter the OTP sent to your mobile number and email.
  6. Provide Additional Information: Include details such as your PIN code, residential address, income source, monthly earnings, and PAN card information.
  7. Agree to Terms and Conditions: Check the box for terms and conditions and submit your application.
  8. Await Bank Communication: The bank will evaluate your application and contact you for the submission of KYC documents. If your application meets the eligibility criteria, your RBL Bank Cookies Credit Card will be approved.

The bank will have its eligibility criteria set out when it comes to applying for this credit card. This may include income-related criteria and employment-related criteria. Additionally, your age and nationality will also play a role in assessing your eligibility for this card.

Documents Required to Apply for RBL Bank Cookies Credit Card

The bank may request different documents from individual applicants. In general, though, you may have to submit the following documents:

  1. Identity-related documents: These can include your PAN card, Aadhaar card, driving licence, and passport among others.
  2. Address proof documents: Your passport or your Aadhaar card can work as address proof documents.
  3. Income proof documents: You may be asked to furnish income proof. This could be in the form of your payslip, Form 16, or income tax returns among others.

How to Apply for the RBL Bank Cookies Credit Card?

You can apply for the RBL Bank Cookies Credit Card on the bank's website. You will be required to fill in the application form and provide details such as your primary source of income, your average monthly income, and your PAN card details.

Alternatively, you can also apply for the card by visiting your local RBL Bank branch.

FAQs on RBL Bank Cookies Credit Card

  • Who can I contact if I have a problem with my credit card?

    If you have any issues with your credit card, you can call the RBL bank credit card customer care on +91 22 62327777.

  • How do I check my credit card application status?

    You can check the RBL bank credit card status by logging on to the bank's webpage to track your application. Once here, you will have to enter your reference number and mobile number. You can then check the status of your credit card application.

  • What is the validity of the points I earn?

    Your points expire within 12 months but can be carried over subject to RBL Bank's terms and conditions.

  • What is the RBL Bank Cookies Credit Card?

    The RBL Bank Cookies Credit Card is an entry-level credit card offering exclusive benefits, including cashback, reward points, and milestone rewards, with an affordable monthly fee of Rs. 100.

  • What are the joining and annual charges for the Cookies Credit Card?

    Both the joining fee and annual charges for the Cookies Credit Card are Rs. 100 each.

  • What is the welcome gift for the Cookies Credit Card?

    Upon making your first transaction within 30 days of card issuance, you receive a Rs. 1,000 gift voucher redeemable at popular brands like Amazon, Flipkart, Myntra, Croma, or Shoppers Stop. 

  • Are there any cashback benefits with the Cookies Credit Card?

    Yes, you get 10% cashback on transactions made on platforms like BookMyShow, Zomato, Uber, and Myntra. Cashback is capped at Rs. 300 per month per category.

  • Is there a fuel surcharge waiver on this card?

    Yes, the card offers a fuel surcharge waiver of up to ₹150 per month for transactions between Rs. 500 and Rs. 4,000. 

  • How can I apply for the RBL Bank Cookies Credit Card?

    You can apply online via the RBL Bank website by filling out the application form, providing personal and income details, and submitting the required KYC documents. Once approved, the bank will issue your card.

  • Can I earn Reward Points on my RBL Bank BankBazaar SaveMax Credit Card?

    Yes, the RBL Bank BankBazaar SaveMax Credit Card offers a reward point plan which makes all your spends eligible for the points. You can earn up to 5x Reward Points on every Rs.100 spent on groceries and fuel. You will also earn 1 Reward Point for every Rs.100 spent on all other categories.

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