RBL Bank Cookies Credit Card

Charge

• Finance charges (revolving credit & cash advances): up to 3.99% p.m. (47.88% p.a.).
• Cash advance fee: 2.5% of the cash amount withdrawn (min ₹500).
• Late Payment Fee: 12.5% of Total Outstanding Amount, Min ₹5, Max ₹1,300.
• Overlimit Fee: NIL.
• Add-on Card Fee: ₹0-5,000 per Add-on Cardmember (Cookies add-on ₹200).
• Cash Payment at RBL Bank Branches: ₹100 per transaction.
• Cheque Return/Dishonour Fee: ₹500.
• Reward Redemption Fee: ₹99 + GST.
• Merchant EMI Processing Fee: 1.5% of amount or ₹150 (whichever higher).
• Fee on Rental Transactions (MCC 6513): 1%.
• Fee on Utility Spends (MCC 4900): 1% on aggregate utility spends over ₹50,000 per month per card.
• Fee on Fuel & Auto Transactions: 1% on each transaction exceeding ₹10,000, capped at ₹3,000.
• Fee on Education Payments via third-party apps: 1%.
• Fee on FASTag loading and Toll Payment Transactions (MCC 4784, 4111, 4131): w.e.f. January 07, 2026, 1% on transactions above ₹10,000 per transaction per card.
• Surcharge on Railway Tickets: IRCTC service charges + up to 1.8% of ticket amount.
• GST at 18% on all fees and charges.

Verified · harvested from product page · 2026-08-02 · source

Interest-free period

• Up to 50 days interest-free (grace) period.
• Not applicable if the previous month's balance has not been cleared in full or if the Cardmember has withdrawn cash from an ATM.

Verified · RBL Bank Credit Cards – Most Important Terms & Conditions (MITC) cum Key Fact Statement (KFS) – all cards including Cookies · 2026-08-02 · source

Fuel surcharge waiver

• Fuel surcharge waiver on every fuel purchase between ₹500 and ₹4,000 (inclusive), up to ₹150 monthly.
• Purchases below ₹500 continue to be levied a surcharge of ₹10.
• Purchases above ₹4,000 continue to be levied a surcharge equal to 1% of the total transaction amount.
• GST on the fuel purchase is not reversed.
• Not extended to delinquent, over-limit or closed Cookies Cards.

Verified · Cookies Credit Card – Terms & Conditions (card-specific, includes rewards/program terms) · 2026-08-02 · source

Milestone benefit

• BookMyShow: 10% instant discount up to ₹300 per calendar month on movie ticket bookings (once per calendar month).
• Annual spend milestones: voucher worth ₹1,000 (brand of choice: Amazon, Flipkart, Myntra, Croma, Shoppers Stop) on eligible spends of ₹2,00,000 or more in a membership year.
• Voucher worth ₹5,000 on eligible spends of ₹5,00,000 or more in a membership year.
• Qualifying transactions exclude EMI, Fuel Spends, cash withdrawals, fees, charges and GST.

Verified · Cookies Credit Card – Terms & Conditions (card-specific, includes rewards/program terms) · 2026-08-02 · source

Redemption value

• Reward redemption fee of ₹99 + GST applicable on redemption of available reward points earned on all Credit Cards.
• Reward points redeemable at https://rewards.rbl.bank.in/.
• Reward points not redeemed within 24 months expire and stand forfeited.

Verified · RBL Bank Credit Cards – Most Important Terms & Conditions (MITC) cum Key Fact Statement (KFS) – all cards including Cookies · 2026-08-02 · source

Reward cap

• 10% cashback capped at ₹300 per calendar month per merchant on settled transactions at Myntra, Uber & Zomato.
• And 10% instant discount capped at ₹300 per calendar month on BookMyShow movie ticket bookings (once per calendar month).

Verified · Cookies Credit Card – Terms & Conditions (card-specific, includes rewards/program terms) · 2026-08-02 · source

Reward exclusion

Verified · Cookies Credit Card – Terms & Conditions (card-specific, includes rewards/program terms) · 2026-08-02 · source

Insurance

• Select Credit Card variants offer complimentary insurance coverage for the Cardmember.
• Policy coverage starts from the date of the Credit Card set up.
• For nominee details and terms, refer to Product Terms & Conditions.

Verified · RBL Bank Credit Cards – Most Important Terms & Conditions (MITC) cum Key Fact Statement (KFS) – all cards including Cookies · 2026-08-02 · source

Statement credit

• 10% cashback up to ₹300 per calendar month per merchant on settled transactions made on Myntra, Uber & Zomato using the Card.
• Cashback credited within 60 days from the settled transaction date.

Verified · Cookies Credit Card – Terms & Conditions (card-specific, includes rewards/program terms) · 2026-08-02 · source