Is there a joining or monthly fee?

Yes — ₹100 monthly (or joining/activation equivalent). The fee may be waived if you meet the monthly spend threshold; check the bank T&C.

What is the welcome benefit?

A ₹1,000 welcome voucher on activation subject to partner and redemption terms.

How do I redeem reward points?

Points are redeemable via the RBL Rewards portal; redemption fees and minimums may apply.

Are there caps on cashback?

Yes — partner cashback (for Zomato/Myntra/Uber and similar) is subject to monthly and per-brand caps as specified in the offer terms.

What documents are required to apply?

PAN and Aadhaar are required; income proof for salaried and self-employed applicants may be requested.

Credit Cards/RBL Bank/RBL Cookies Visa Credit Card

RBL Cookies Visa Credit Card

RBL Bank

Last updated: Feb 03, 2026

food delivery fashion e-commerce ride hailing grocery fuel

Annual Fee

₹100

Joining Fee

₹100

Forex Fee

2.5%

Lounge Access

2 visits/yr

The RBL Cookies Visa Credit Card is an entry-level rewards card focused on everyday savings across food, fashion and commutes. It combines a modest monthly fee with targeted cashback and vouchers on popular merchant partners. Best for cardholders wanting simple, app-driven rewards without complex tiers.

Features of RBL Cookies Visa Credit Card which makes it unique

Partner Cashback Focus

Higher cashback on selected merchant partners such as food, fashion and mobility apps

Good extra savings for frequent users of these apps

Stronger partner savings than a generic base-only card

Rewards Structure of RBL Cookies Visa Credit Card

Transport

accelerated

elect mobility apps (e.g., Uber)

Reward Rate:10% cashback (capped)

Monthly Cap:Max ₹300 per brand per month; total cap applies.

Base

base

Reward Rate:1 reward point per ₹100 spent

Milestones of RBL Cookies Visa Credit Card

Monthly Spend Benefit

₹5,000 per month : Waiver of monthly fee for that month

Quarterly Bonus

₹50,000 in a quarter : Bonus reward points credited

Fees & Charges of RBL Cookies Visa Credit Card

Fee & Amount	Fee Value
Joining Fee	100%
Annual Fee	100%
Forex Markup Fee	2.5%
Cash Advance Fee	0
Late Payment Fee	0%
Over Limit Fee	0
Returned Payment Fee	₹350
Cash Withdrawal Fee	0%

Renewal Conditions:Monthly fee waived if monthly spends meet threshold (see T&C).

Fee Explanation Standard bank rates and published fee schedule apply for interest and penalty charges. | Late payment fee details: As per bank T&C (minimum and maximum caps apply).

Detailed Explanation of RBL Cookies Visa Credit Card Fees

Monthly / Joining Fee: ₹100 (monthly)

Waived if monthly spend threshold met; check bank T&C.

Reward Redemption Fee: ₹99 + GST (one-time per redemption)

Applies when redeeming reward points on the rewards portal.

Cash Advance Fee: 2.5% (transaction)

Minimum ₹500 per cash transaction.

Lounge Access Benefits with RBL Cookies Visa Credit Card

domestic Lounges

silver

Visits per year: 2

Guest access: No

Complimentary visits on select RBL cards; check eligibility.

Insurance Coverage with RBL Cookies Visa Credit Card

Purchase protection

Up to ₹50,000

Limited coverage; see T&C for eligibility and claim process.

Additional Features of RBL Cookies Visa Credit Card

Contactless Payments

Tap-and-pay enabled for quick transactions

Add-on Cards

Add-on cards available subject to bank approval

Welcome Bonus with RBL Cookies Visa Credit Card

Welcome Bonus: ₹1,000 voucher
Bonus Conditions: Valid for new customers; voucher terms and redemption rules apply (see RBL T&C).

Application Process for RBL Cookies Visa Credit Card

Processing Time

5-10 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via RBL Bank or Finanjo portal

Upload KYC documents (PAN, Aadhaar, income proof if required)

Verification by the bank

Card dispatched within the timelines stated by the bank

Required Documents for RBL Cookies Visa Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

salaried

Accepted documents:

Payslip Form 16