RBL Bank Cookies Credit Card Review
The RBL Cookies is a quirky, lifestyle-focused cashback card aimed at young, app-first spenders. Its hook is 10% cashback on four apps almost everyone in that demographic uses — BookMyShow, Zomato, Uber and Myntra — and an unusual ₹100-a-month fee that simply vanishes if you spend ₹5,000 in the month. It’s a niche card with a clear use case rather than an all-rounder. Here’s the verified review.
- 10% cashback on four heavily-used apps — BookMyShow, Zomato, Uber, Myntra
- ₹100 monthly fee waived in any month you spend ₹5,000+ (easy)
- ₹1,000 welcome voucher across major brands
- Milestone vouchers (₹1,000 at ₹2L, ₹5,000 at ₹5L annual spend)
- Fuel surcharge waiver and broad acceptance
- Simple, app-managed experience aimed at young users
- 10% is capped at ₹300 per category per month (₹1,200/month max from the 4 apps)
- Base earn is weak — 1 point per ₹100 at ~₹0.20/point (~0.2%)
- Monthly-fee model means you pay ₹100 in any month you spend under ₹5,000
- No lounge access
- Value collapses if you don’t use those four apps
- ~3.5% forex markup — not for international use
Fees & charges
| Item | Charge |
|---|---|
| Membership fee | ₹100/month — waived in any month with ₹5,000+ spend |
| Welcome benefit | ₹1,000 voucher (Amazon/Myntra/Croma/Flipkart/Shoppers Stop) |
| Base rewards | 1 point per ₹100 (~₹0.20/point) |
| Forex markup | ~3.5% |
| Fuel surcharge waiver | 1% on eligible fuel transactions |
Eligibility & documents
Profile
Salaried or self-employed; aimed at younger, app-first users
Recommended CIBIL
~720+ improves approval odds
Network
Visa
Credit limit
Set by RBL based on profile
Documents
PAN, Aadhaar, income proof, address proof
Sibling card
RBL also offers the similar “Popcorn” lifestyle card
Rewards structure — the real math
- 10% on four apps: BookMyShow, Zomato, Uber and Myntra — capped at ₹300 cashback per category per month (so up to ₹1,200/month if you max all four).
- Base (~0.2%): 1 reward point per ₹100 on other eligible spends, at roughly ₹0.20 a point.
- Welcome: ₹1,000 brand voucher.
- Milestones: ₹1,000 voucher at ₹2 lakh and ₹5,000 voucher at ₹5 lakh annual spend.
A young user who orders food, books movies/cabs and shops on Myntra can comfortably capture ₹400–₹800/month of 10% cashback — far exceeding the ₹100 monthly fee (itself waived above ₹5,000 spend). But because the base rate is just ~0.2%, this is firmly a lifestyle-add-on card, not a primary spender.
Usage terms & fine print
10% cap
₹300 per category per month across the four apps.
Fee model
₹100/month, waived in months with ₹5,000+ spend.
Base rewards
1 point/₹100 (~₹0.20).
Lounge
None.
Forex
~3.5% markup.
Milestones
₹1,000 at ₹2L; ₹5,000 at ₹5L annual spend.
Compared with alternatives
Axis Neo →
Similar coupon-style card (Zomato/Blinkit) at a low annual fee rather than monthly.
Swiggy HDFC →
10% across the Swiggy ecosystem if food/Instamart is your main spend.
Axis My Zone →
Free SonyLIV + monthly movie ticket for entertainment users.
Amazon Pay ICICI →
Lifetime-free everyday cashback as a stronger base card.
Cookies competes with other lifestyle/coupon cards. Hold it as a cheap secondary card if you use its four apps; pair with a flat-cashback base card for everything else.
Who this card is for
- Best fit: young, app-first users who regularly use BookMyShow, Zomato, Uber and Myntra.
- Best fit: those who’ll spend ₹5,000+ most months to waive the fee.
- Skip if: you want a primary rewards card, lounge access, or don’t use those four apps.
How to apply & how to cancel
Apply: via rblbank.com or the RBL app. Eligibility is accessible for the young-spender target.
Cancel: call RBL customer care or request closure after clearing dues; use the welcome/milestone vouchers before closing.
Final verdict
The RBL Cookies is a fun, focused lifestyle card that pays genuine 10% on four apps young Indians use constantly, with a fee that disappears for anyone spending ₹5,000+ a month. Its limits — ₹300 monthly caps per app, a weak base rate and no lounge — keep it firmly in “cheap secondary card” territory. If BookMyShow/Zomato/Uber/Myntra are part of your routine, it’s worth holding alongside a strong everyday card; otherwise, skip it.
Frequently asked questions
What’s the RBL Cookies fee?
₹100 per month, waived in any month you spend ₹5,000 or more — so for regular users it’s effectively free.
Where do I get 10% cashback?
On BookMyShow, Zomato, Uber and Myntra, capped at ₹300 cashback per category per month.
Is there a welcome benefit?
Yes — a ₹1,000 voucher redeemable at Amazon, Myntra, Croma, Flipkart or Shoppers Stop.
Does it offer lounge access?
No — there’s no airport lounge access on this card.
Is it a good primary card?
No — the base rate is only ~0.2%. It’s best as a cheap secondary card for its four bonus apps, paired with a flat-cashback card.
Data current as of June 2026 and cross-checked against RBL Bank’s official page and independent aggregators. Fees, caps and benefits change periodically — always confirm current terms on rblbank.com before applying.