RBL Bank Cookies Credit Card is an entry card by RBL Bank India to give first-time card users and other customers the exclusive benefits of credit cards with affordable membership fees. As an RBL Bank Cookies credit card holder, you get to enjoy reward points on every spend you make both online and offline. You get 1 reward point for all your offline transactions from Rs. 100 and, 5-times reward points on all online spending you make.
The joining and renewal fee for this credit card is very affordable at Rs. 100 monthly which can be waived off every month you meet the spend-based milestone. which makes it ideal for newly employed and first-time credit card users who want something not too high but with great benefits.
There is a welcome bonus worth Rs. 1,000 as a gift voucher to spend on Flipkart, Croma, Amazon, Shoppers Stop, and Myntra upon payment of the joining fee. You also enjoy a 10% discount limited to Rs.300 monthly on Grofers, Uber, Zomato, Myntra, and BookMyShow. There is a Rs. 5,000 gift voucher reward for hitting spending milestones using this credit card for payments, a 1% waiver up to Rs. 150 monthly on fuel surcharge and so much more.
RBL Bank Cookies Credit Card – Main Highlights
| Purpose | Shopping & Rewards |
| Joining/ Renewal Fee | Rs. 100 + GST Monthly |
| Eligibility | · Resident or Non-Resident Indian (Employed or Self-Employed)
Age: 21 – 65 Years Above Credit Score: 700 or more (No Defaults) |
| Credit Card Type | Reward Points |
| Benefits | · Rs. 1,000 worth of welcome gift voucher
· 5X Reward Points for every Rs. 100 you spend online · 10% discount on BookMyShow, Uber, Zomato, and Myntra · Rs. 300 off monthly on Grofers · Up to Rs. 5,000 on hitting the spending milestone · 1% waiver on fuel surcharge |
RBL Bank Cookies Credit Card – Features and Benefits
A lot of benefits come with the use of the RBL Bank Cookies Credit Card especially for young adults looking for a cheap and affordable credit card for shopping. With the many features and entry-level benefits of this credit card, you will enjoy reward points on every transaction both online and offline. Some of these benefits and features include the following:
- You get a whooping Rs. 1,000 worth of welcome gift vouchers to spend on Flipkart, Croma, Amazon, Shoppers Stop, and Myntra.
- With the RBL Bank Cookies credit card, you get 10% discounts on services such as Uber, Grofers, Zomato, Myntra, and BookMyShow which is limited to Rs. 300 monthly for each brand.
- The best part of using the RBL Bank Cookies credit card is the 5X reward point you get on every Rs. 100 you spend on your favourite online stores or any online payments. You also get 1 reward point for offline spends worth Rs. 100 with an exception on fuel.
Joining and Renewal Charge
The RBL Bank charges its customers Rs. 100 every month for the joining fee which is also renewable monthly at the same rate of Rs. 100. This is a convenient way to enjoy your credit card whilst also paying an affordable renewal charge.
Eligibility
To be eligible for the RBL Bank Cookies Credit Card, you have to be either salaried or self-employed, and a resident or non-resident but living in India with a good credit score from 700 and above without any previous defaults on payments.
Movie Benefits
The RBL Bank Cookies Credit Card holders get an amazing 10% discount to watch their favourite movies at Indian cinemas using BookMyShow to buy tickets and a maximum benefit of Rs. 300 monthly.
Dining
You get a whopping 10% cashback up to Rs. 300 on Zomato for food orders or restaurant booking payments. It is a great way to save on dining.
Milestone Benefits
When you spend up to Rs. 2 Lakhs within the year you unlock Rs. 1,000 worth of vouchers to spend on any of the following; Flipkart, Croma, Myntra, Amazon, and Shoppers Stop. You also enjoy Rs. 5,000 worth of gift vouchers when you spend about Rs. 5 Lakhs and select from your favourite online stores to spend it on such as Amazon, Myntra, Flipkart, Shoppers Stop, and Croma.
There is another milestone benefit that gives you an annual Zomato Gold membership when you spend up to Rs. 1,50,000 using your RBL Bank Cookies credit card for payments within a year.
Monthly Renewal Charge Waiver
For cardholders who spend more than Rs. 5,000 the previous month using your RBL Bank Cookies credit card, you get a waiver on the monthly Rs. 100 renewal fees.
Fuel Surcharge Waiver
You will enjoy a flat 1% waiver on fuel surcharge at every filling station for all fuel transactions from Rs. 500 to Rs. 4,000. There is a maximum cap of Rs. 150 monthly for your RBL Bank Cookies Credit Card.
Required Documents
As a general requirement, all banks request valid documents to process your credit card application. The RBL Bank is no exception and they require the following documents from you before your application is accepted and approved.
- Proof of Address: Voter ID Card, Aadhar Card, Driver’s License, Passport, Utility bills, or any approved ID.
- Proof of Identification: Driver’s License, Voter ID Card, PAN Card, Aadhar Card, or any government-approved ID.
- Proof of Income: Salary slips not less than 3 months or Bank Statement (not less than 3 months) or ITR (for self-employed applicants).
Additional Features of IDFC FIRST Millennia Credit Card
Foreign Exchange Rates: You will be charged 3.5% of the total amount paid for every transaction in foreign currency.
Interest Rates: The interest rate on the credit card is minimal at about 3.99% monthly or 47.88% per annum.
Cash Withdrawal Fees: For every cash withdrawn at the ATM you will be charged 2.5% of the withdrawn amount, which is subject to Rs.500 minimum.
Interest-free period: You will enjoy a 20 to 50-day interest-free grace period which is subject to the RBL bank’s terms and conditions.
Payment Default Fee: A 15% late payment fee is charged upon default and based on your total amount due which ranges from a minimum of Rs. 50 and a maximum of Rs. 1,500.
Rewards Redemption Fee: You get charged Rs. 99 for every reward point redeemed.
Conclusion
If you are looking for an affordable credit card to help you earn reward points and cashback on shopping, dining, entertainment, transportation and so much more, then the RBL Bank Cookies Credit Card is what you need.
It is an entry-level credit card with a reasonable Rs. 100 monthly joining and renewal fee and so many benefits. As a cardholder, you get to enjoy about Rs 300 monthly on Myntra, Somato, BookMyShow, and Grofers to name a few.
This means you get to save a staggering Rs. 3,600 annually and a total of Rs. 18,000 every year you shop from these brands. There is also the fuel surcharge benefit, milestone benefit, reward points, and welcome bonus which adds up to about Rs. 25,000 or more yearly while using your RBL Bank Cookies Credit Card. So, if you like a credit card that offers minimal renewal fees and amazing saving options, then you can give it a shot by applying today.