Summary
Okay, real talk—the RBL Bank Cookies Credit Card is a digital-age flex for people who live on the internet (which, let’s be honest, is most of us). You snag a cool ₹1,000 just for making a successful purchase within, what, thirty days of activation? Not bad for doing what you’d do anyway.
Now, here’s the real kicker: 10% cashback on spots like Zomato, Uber, and Myntra. If you’re always ordering food, catching rides, or drowning in online shopping carts (guilty), that adds up way faster than you’d expect.
And those 5X reward points on online buys? It’s like the card is begging you to keep swiping. Plus, the milestone bonuses—₹1,000 if you hit ₹2 lakh in a year, ₹5,000 at ₹5 lakh—yeah, they’re rewarding you for being a responsible shopaholic. Regular spenders? You’re laughing all the way to the bank.
Oh, and the card itself? It’s got this flashy, youthful vibe—not your dad’s boring old credit card. Perfect for first-timers or anyone who wants to whip out something that looks cool. And, duh, you can just tap to pay. Fast, safe, no awkward fumbling with cash or PINs at checkout.
Introduction
In the fast-paced world of today, carrying a credit card almost seems essential. Credit cards provide excellent ease and many advantages, whether your purchases are online, bill payments, ticket booking, or otherwise. Among young people and online buyers, one credit card that is becoming rather popular is the RBL Bank Cookies Credit Card. Those who enjoy shopping online and value cashback incentives, discounts, and special offers will especially benefit from it.
First of all, the RBL Cookies Credit Card boasts pleasing characteristics. Online buying provides interesting cashback from websites including Amazon, Flipkart, Swiggy, and Zomato. Every time you buy something or order food online, you save money. In addition, upon card acquisition, you get welcome perks, a fuel surcharge waiver, and reward points. For those who like to save as they spend, these characteristics make it an ideal friend.
You could be asking now how to apply for this card. The RBL Bank Cookies Credit Card application process is really quick and easy, which is good news. You do not have to complete extensive forms or visit the bank branch. Instead, you can apply online from the convenience of your home. RBL Bank has made the application process quite easy so that even first-time candidates may finish it without a doubt.
In addition to being easy, the online application is also speedy. Once you submit your application, you get an instant approval decision in most circumstances. Then, the bank validates your details, and if everything is fine, your card is delivered to your home within a few days. Moreover, the bank provides you with the choice to monitor your application process online. This means you are always updated on what’s occurring with your credit card request.
What is the RBL Bank Cookies Credit Card?
The RBL Bank Cookies Credit Card is a special credit card made specifically for individuals who love to shop online. One of the reputable private banks in India, RBL Bank, provides it. Many fascinating tools on this card will help you save money instead of spending it. For instance, it credits on purchases made on well-known websites, including Amazon, Flipkart, Swiggy, Zomato, and more, and pays cashback. The card also provides options to turn large purchases into EMIs, waivers of fuel surcharges, and welcome gifts.
Moreover, it is the ideal substitute for students and young professionals looking for a chic and sophisticated card with low annual expenses. Most significantly, it is straightforward to apply for and maintain through the RBL mobile app or website. Therefore, if you are someone who spends frequently online and wants extra benefits, the RBL Bank Cookies Credit Card can be a perfect fit for your lifestyle.
How is the design of the RBL Bank Cookies Credit Card?
The stylish, distinctive, and quite astonishing design of the RBL Bank Cookies Credit Card. First of all, the card’s bright and funny look makes it different from regular credit cards. Its arresting colors and elegant cookie-style construction appeal to young people and online buyers.
Besides, the card fits your wallet rather easily with its stylish and tiny size. Apart from its sophisticated appearance, it also shows a contactless payment signal; therefore, you can just tap the card to conduct quick and safe payments.
What are the benefits of the RBL Bank Cookies Credit Card?
Its salient aspects are broken out here:
Welcome Advantage.
New cardholders get a ₹1,000 voucher upon making a qualifying transaction within 30 days of card issuance. Popular stores such as Amazon, Flipkart, Myntra, Croma, or Shoppers Stop can be used with this voucher.
Cashback Programs
On purchases made with the Cardholders earn 10% cashback on:
- Zombato
- Uber much
- Myntra
With a maximum cashback of ₹300 per month, every one of these categories lets consumers accumulate up to ₹900 monthly in cashback.
Milestone Awards
- Based on annual expenditure, the card offers further rewards.
- Invest ₹2 lakh in a membership year to get a ₹1,000 voucher.
- Invest ₹5 lakh in a membership year to get a ₹5,000 voucher.
- Only a few stores—Amazon, Flipkart, Myntra, Croma, Shoppers Stop—have these certificates redeemable at them.
Point Reward System
Increase the value of your digital transactions by earning five times reward points on online purchases.
Pleasures in Entertainment
BookMyShow offers 10% quick discounts, so movie trips become more reasonable.
What are the fees for the RBL Bank Cookies Credit Card?
Here is a simple breakdown of the RBL Bank Cookies Credit Card fees.
| Joining Fee | ₹100 + GST |
| Annual Fee | ₹100 + GST |
| Add-on Card Fee | No additional charges for family members’ cards. |
| Finance Charges | If you don’t pay your bill in full, a charge of 3.99% per month (47.88% annually) is applied to the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an RBL Bank Cookies Credit Card?
1. Age Requirement:
- You should be between 18 and 65 years of age.
2. Income Requirement:
- Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have proof of a valid address.
What documents are required to get an RBL Bank Cookie’s Credit Card?
The documents that you will have to submit to get the RBL Bank Cookies Credit Card are as follows:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the RBL Bank Cookies Credit Card be used?
Here is the list of places where you can use it:
- With the RBL Bank Cookies Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your RBL Bank Cookies Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).
- The RBL Bank Cookies Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the RBL Bank Cookies Credit Card?
The credit amount you can spend is what you are provided to you with an RBL Bank Cookies Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.
How do you apply for an RBL Bank Cookie’s Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the RBL First Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by RBL First Bank; for instance, you can choose the RBL Bank Cookies Credit Card.
- Just hover your cursor on the RBL Bank Cookies Credit Card and select ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest RBL First Bank branch to apply for the RBL Bank Cookies Credit Card.
- Request the credit card application form for the RBL Bank Cookies Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the RBL Bank Cookies Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions in the envelope through the RBL First Bank Card website, mobile app, or customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an RBL Bank Cookies Credit Card in 2025 be right?
Getting an RBL Bank Cookies Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility.
RBL First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Ultimately, for those who enjoy online buying and wish to cut costs on their daily spending, the RBL Bank Cookies Credit Card is a wise and satisfying option. This credit card provides, as we have seen, a wide range of advantages, including welcome gifts, excellent cashback on well-known sites like Zomato, Myntra, and Uber, and milestone incentives that provide you further value for your annual expenditure. The five X reward points on online purchases also help to make your shopping experience even more rewarding.
Particularly for young consumers who want sleek and contemporary credit cards, the card’s design is also new, vibrant, and enticing. Apart from the appearance, the card facilitates contactless payments, therefore enabling quick, simple, and safe transactions. Using your card without running it through machines not only saves time but also provides comfort.
The easy and quick application process is yet another major benefit. You neither have to visit a branch nor complete extensive documentation forms. You can apply online instead from your computer or mobile device. In many circumstances, the bank also grants quick approval, and you may readily monitor the state of your application. The major benefit is that this saves you time and effort.
Frequently Asked Questions (FAQ’s)
Ans: Indeed, you get a ₹1,000 welcome coupon good for use on Amazon, Flipkart, Myntra, and more after completing a transaction within 30 days after card activation.
Ans: Indeed, the card lets you translate qualified big purchases into simple monthly EMIs, therefore simplifying the management of spending.
Ans: Should your card be lost or stolen, you should promptly call RBL Bank’s customer care to block the card and obtain a replacement.
Ans: Indeed, the card features contactless (tap and pay) technology for quicker and safer transactions at compatible point of sale systems.
Ans: Via the RBL MyCard mobile app or by connecting to the RBL Bank credit card online, you may view your statement, reward points, and transaction history.
