M16S / RBL Bank / RBL Cookies Credit Card
entry · rewards, cashback, shopping
RBL Cookies Credit Card
The RBL Cookies Credit Card costs Rs 1,200 a year. Its base return is 0.2% (1 point per Rs 100). Accelerated earn: 5X points on online spend; 10% cashback on Zomato, Myntra and Uber. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 1,200+ GST
- Fee waived at
- —
- Base return
- 0.2%
- Forex markup
- 3.5%
- Interest
- 3.99%a month
Apply on rbl.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 1,200 |
| Fee notes | Rs 100 + GST per month (Rs 1,200 a year); next month's fee waived on Rs 5,000 eligible spend in a calendar month. Cards issued before 10 May 2021: Rs 500 a year. |
Rewards
| Welcome benefit | Rs 1,000 gift voucher (Croma, Myntra, Amazon, Flipkart or Shoppers Stop) after a transaction in 30 days |
|---|---|
| Reward currency | Reward Points |
| Base earn | 1 point per Rs 100 |
| Base return | 0.2% |
| Point value | Up to Rs 0.20 per point |
| Accelerated earn | 5X points on online spend; 10% cashback on Zomato, Myntra and Uber |
| Caps | Cashback Rs 300 per brand per month, Rs 900 per month overall |
| Spends that earn nothing | No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions |
| Milestone benefits | Rs 1,000 voucher at Rs 2 lakh annual spend; Rs 5,000 voucher at Rs 5 lakh |
| Reward notes | base_return_pct = 1 point per Rs 100 x Rs 0.20; 1% online. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 3.5% |
| Fuel surcharge waiver | Rs 500-4,000 transactions, cap Rs 150/month |
| Other freebies | BookMyShow 10% off up to Rs 300, once a month |
Charges and eligibility
| Interest per month | 3.99% |
|---|---|
| Late payment fee | 12.5% of total amount due, min Rs 5, max Rs 1,300 |
| Cash advance fee | 2.5% min Rs 500 |
| Fine-print notes | Monthly-fee card: skipping Rs 5,000 spend in a month costs Rs 118 the next month. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants. |
Questions
- What is the annual fee of the RBL Cookies Credit Card?
- Rs 1,200 a year, before GST.
- Does the RBL Cookies Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the RBL Cookies Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the RBL Cookies Credit Card?
- No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions