RBL Cookies Credit Card: Benefits, Charges and  Application Process

You can enjoy up to ₹7,000 worth of vouchers annually while paying just ₹100 per month. This is possible with RBL Cookies Credit Card offers, a perfect pick for savvy spenders. Today, where most Indians shop online and look for lifestyle benefits, the fear of missing out on rewards is real. 

With such appealing perks, the Cookies Credit Card stands out as a card that truly complements the lifestyle.

RBL Cookies Credit Card Benefits

Unlock a suite of lifestyle-centric advantages with the rewards and benefits of the RBL Bank Cookies Credit Card:

1. Welcome Benefits

Voucher worth ₹1,000 from brands such as Amazon, Flipkart, Myntra, Croma, or Shoppers Stop on making the first eligible transaction within 30 days and paying the first month's membership fee by the due date.

1. Rewards

Cardmembers can earn 5x reward points per ₹100 online and 1 point per ₹100 offline on eligible spends.  This benefit is excluded from categories such as fuel, utilities, wallets, rent, insurance, railways, education, government services, and EMI transactions.

1. Partner Perks

Cardmembers can get 10% cashback up to ₹300 per calendar month per brand for Myntra, Uber, and Zomato. The cashback will be credited within 60 days from the settled transaction date.

1. Movies

10% instant discount on BookMyShow, up to ₹300 per calendar month, applicable once per month. Cardmembers can avail this benefit from the BookMyShow app or website.

1. Milestones

Enjoy ₹1,000 and ₹5000 vouchers from popular brands such as Amazon, Myntra, Flipkart, etc. with RBL Cookies Credit Card. ₹1,000 voucher on ₹2 lakh eligible annual spend and ₹5,000 voucher on ₹5 lakh eligible annual spend, delivered within 45 days of crossing the milestone.

1. Fuel

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 up to ₹150 per month. The reversal of the surcharge will reflect on the monthly statement.

Fees and Charges of RBL Bank Cookies Credit Card

• Monthly Fee: ₹100 + GST; waived if you spend ₹5,000 or more in a calendar month.
• Finance Charges: Up to 3.99% per month (around 47.88% per annum) depending on credit score and card usage.
• Cash Advance Fee: 2.5% of cash amount, minimum ₹500.
• Late Payment Fee: 12.5% of outstanding amount (min ₹5 and max ₹1,300).
• Over-limit Fee: Not applicable.
• Reward Redemption Fee: ₹99 + GST of available reward points.
• Merchant EMI Processing Fee: ₹150 or 1.5% (whichever is higher) is applicable at the time of transaction.

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Documents Required to Apply for RBL Cookies Credit Card

The bank may request specific documents based on your profile to apply for the RBL Cookies Credit Card. Generally, you will only need to provide the following documents:

How to Apply for RBL Cookies Credit Card?

Applying for the RBL Cookies Credit Card is straightforward and can be completed online in just a few steps:

• Step 1: Visit the official application page of RBL Cookies Credit Card by clicking here.
• Step 2: Click on “Apply Now” to open the application form.
• Step 3: Fill in your personal details such as your date of birth, full name, mobile number, gender, PAN card details, email ID and city of residence.
• Step 4: Provide consent for bank communication by ticking the checkbox, allowing RBL Bank to contact you about your application.
• Step 5: Verify your identity by checking the “I am not a robot” box and generating a one-time password (OTP). The OTP will be sent to your registered mobile number and email address. Enter the OTP to confirm your identity.
• Step 6: Add more details, including your pin code, residential address, income source, and monthly salary.
• Step 7: Accept the “Terms and Conditions” by checking the box, then click on “Submit”.
• Step 8: Once submitted, RBL Bank will review your application. A representative may reach out for further verification and to guide you on submitting KYC documents. If you meet the criteria, your application will be approved.

Before applying for the RBL Cookies Credit Card, assess your spending patterns and ensure you can meet the threshold for waivers and vouchers to maximise benefits.

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