RBL Bank Cookies Credit Card

The primary objective of the RBL Cookies Credit Card is to empower customers to experience the privileges typically associated with credit cards while maintaining a sensible approach to managing their expenses.

This card bridges the gap between advantageous credit card features and responsible financial management, ensuring customers can access benefits without overspending. 

Explore its unique offerings, advantages, and the RBL Bank Cookies Credit Card application process for confident navigation of modern finance.

RBL Bank Cookies Credit Card.jpg

Image Source: RBL Bank Official website

Key Highlights of RBL Cookies Credit Card

Suitability

Shopping & Entertainment

Joining Charges

₹ 100 per month

Annual Charges

₹ 100

Best Feature

The standout feature of this Credit Card is the welcome gift in the form of a gift card voucher worth ₹ 1,000.

Features and Benefits of RBL Cookies Credit Card

The following are a few of the credit card's most noticeable advantages:

  1. Welcome Gift

You can commence your journey with this Credit Card by receiving a valuable gift card voucher worth ₹1,000.

This voucher offers you the flexibility to select from a range of renowned brands, including Shoppers Stop, Croma, Myntra, Flipkart, or Amazon, so to acquire this enticing gift, you simply need to make a purchase within the initial 30 days from the date of card issuance.

  1. Shopping Benefits

You can experience the gratification of 10% cashback when you shop at prominent platforms such as Grofers, Myntra, and Uber. This feature provides a substantial opportunity for savings with every transaction.

  1. Dining Delights

You may indulge in dining experiences with a 10% cashback on your Zomato expenditures, with the cashback limit extending up to ₹300 per month. This provision enhances your culinary journeys while adding to your savings.

  1. Perks of Rewards

The Cookies Credit Card by RBL Bank offers a lucrative rewards system. As a cardholder, you may accrue rewards by spending ₹ 100 on offline purchases (excluding gasoline purchases) and earning 1 reward point or ₹ 100 and 5 reward points, respectively.

  1. Fuel Surcharge Waiver

You may relish the privilege of a fuel surcharge waiver that extends up to ₹100 per month. This waiver applies to fuel transactions ranging from ₹500 to ₹4,000, granting you savings on your fuel expenses.

  1. Entertainment Perks

You can enjoy 10% cashback on your BookMyShow transactions, up to a maximum of ₹300 each month. This exclusive benefit ensures you can enjoy entertainment while receiving significant cashback benefits. 

RBL Cookies Credit Card Charges & Other Fees

Fee

Details

Annual Charges

₹ 100

Joining Fee

₹ 100 

Interest Rate

Maximum of 3.5% per month (equivalent to 42% p.a.)

Fee for Cash Advances

2.5% of the withdrawn amount, min. ₹ 500

Late Payment Penalty

15% of the outstanding amount, min. ₹ 50, max. ₹ 1,000

Over Limit Penalty

₹ 600

Eligibility Criteria

The following are the requirements to be eligible to apply for the Cookies Credit Card:

Cardholder Age Range

21 to 65 years

Minimum Income

A minimum yearly income tax return of 3 lakhs or more. Further, the requirements may change based on the applicant's profile

Occupational Requirement

Available to both salaried and self-employed individuals

Residency Requirement

Applicants must be residents of India

Documents Required for the Cookies Credit Card by RBL Bank

The RBL bank may require various documents from individual applicants. Typically, you will need to provide the following types of documents:

  •   Identity-Related Documents: These may encompass your PAN card, Aadhaar card, driving licence, passport, and other similar forms of identification.
  •   Address Proof Documents: Your address proof can be validated through your passport or Aadhaar card.
  •   Income Proof Documents: You might be requested to submit proof of income, including your payslip, Form 16, income tax returns, and similar documents.
  •   Passport-size Photographs: 3-4 official photographs of the applicant

How to Apply for the RBL Bank Cookies Credit Card?

To begin the RBL Bank Cookies Credit Card application procedure, just adhere to these easy steps:

Step 1: Access the official credit card application page using the provided URL: https://www.rblbank.com/product/credit-cards/rbl-bank-cookies-credit-card.

Step 2: Press the 'Get It Now' option on the web page to access the official Application Form.

Step 3: Provide your details in the designated section on the subsequent page, including your full name, birth date, gender, mobile number, email address, and city of residence.

Step 4: Grant permission for bank communication by selecting the provided checkbox, allowing a bank representative to contact you in connection with your credit card application.

Step 5: Validate your human identity by marking the checkbox labelled 'I am not a robot' and proceed by generating a one-time password (OTP) by clicking 'Get OTP.' This OTP will be sent to both your mobile number and email address. Confirm your identity by entering the OTP.

Step 6: Furnish additional information, progressing to the next phase. Include your area's pin code, residential address, primary income source, monthly earnings, and PAN Card particulars.

Step 8: After supplying the required details, press on the option stating 'Terms and Conditions' by checking the relevant box. Then, press 'Submit' to conclude and send your application.

Step 9: Upon submission, the bank will evaluate your application. A bank representative will reach out to guide you through subsequent steps, including the submission of mandatory Know Your Customer (KYC) documents. Should your information align with the bank's criteria, your RBL Bank Cookies Credit Card application will gain approval.

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