RBL Bank Cookies Credit Card: rewards, caps and exclusions

What it earns

≈ marks a rate paid in mixed, valued at ₹0.2 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

• Fuel
• Utility bills
• Wallet loads
• Rent
• Insurance premiums
• Railway bookings
• Education fees
• Government payments
• Cash withdrawals and fees
• Money transfers
• EMI conversions

What costs extra

Worse than earning nothing: RBL Bank charges a fee for these.

• 1% on Fee on Rental Transactions, plus GST
• 1% on Fee on Utility Spends, plus GST

Milestones

In RBL Bank's own words:

• "Upon making eligible transactions worth INR 2,00,000 or more in a membership year, the Cardmember will become eligible to receive a voucher worth INR 1,000 of a brand of their choice (out of Amazon, Flipkart, Myntra, Croma & Shoppers Stop)." (T&C 3.6) → ₹1,000 brand voucher
• "The Cardmember will also become eligible to receive a voucher worth INR 5,000 of a brand of their choice ... upon making eligible transactions worth INR 5,00,000 or more in a membership year." (T&C 3.6) → ₹5,000 brand voucher

Fees

• Annual fee: ₹1,200, plus 18% GST

Welcome benefit: ₹1,000 voucher (Amazon, Flipkart, Myntra, Croma or Shoppers Stop) on paying the joining fee and meeting a spend condition.

Where this comes from

Transcribed from RBL Bank's own documents and checked against them on 9 October 2026:

• product page, rbl.bank.in
• card T&C, webassets.rbl.bank.in (PDF)
• MITC cum KFS, webassets.rbl.bank.in (PDF)
• rewards T&C, rblrewards.rbl.bank.in

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with RBL Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

We know this card's rules, but we don't read RBL Bank's mail yet, so the audit can't check your swipes on it. Which banks we read

Other RBL Bank cards

Every card we have rules for