RBL Bank
RBL Bank Cookies Credit Card
Annual Fee
₹1,416₹1,200 + GSTBase Reward
1% points
Foreign Markup
Up to 3.5% on all foreign currency spends
Welcome Benefits
Gift Voucher Worth Rs. 1,000 from Flipkart/Amazon/Croma/Myntra/Shoppers Stop
Product Highlights
- Welcome gift voucher worth ₹1,000
- Up to 5 Reward Points on every ₹100 spent online
- Discount of 10% on BookMyShow
- 10% cashback on Zomato, Uber, and Myntra
- Gift vouchers worth up to ₹5,000 on achieving milestone spend
- Spend-based waiver of the monthly membership fee
Category Rewards
Specialty
5X RP on online spends
5X
Fee Waiver
Waived on ₹5,000 monthly spend
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
BookMyShow
10% Discount(Max ₹300 per month)
Zomato
10% Cashback(Max ₹300 per month)
Uber
10% Cashback(Max ₹300 per month)
Myntra
10% Cashback(Max ₹300 per month)
Reward Calculator
Costs you ₹666/year
Break-even needs ~₹24,544/month at your reward mix.
₹13K
across all your buckets
3K
RBL Reward Points
₹750
via standard · ₹0.25/pt
Effective rate
0.48%
Annual fee
₹1,416
Year 1 net
₹-666
Year 2+ net
₹-666
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
₹1,000 voucher (Amazon/Flipkart/Croma/Myntra/Shoppers Stop)
₹5,000 voucher (Amazon/Flipkart/Croma/Myntra/Shoppers Stop)
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, cash advance, rent, wallet, government
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹150/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 1 Reward Point on every offline spend of Rs. 100 and 5 Reward Points on your online spends. Get a 10% discount on BookMyShow, Zomato, Uber, and Myntra.
- 1 Reward Point = Rs. 0.25
Benefits & Features
10% discount on BookMyShow
Pros & Cons
Pros
- Low joining fee of ₹100 per month
- Monthly fee waived by spending ₹5,000
- 10% cashback on movie ticket booking through BookMyShow
Cons
- Reward redemption fee of ₹99 + GST
- No reward points on utility, wallet, insurance, railways, and rent transactions
Additional Info
Max cashback of ₹300 per month on Zomato, Uber, and Myntra.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Waived on ₹5,000 monthly spend