RBL Bank Cookies Credit Card Review — Fees, Rewards, Cashback & Movie Perks

Today, we’re reviewing the RBL Bank Cookies Credit Card—a mid‑tier rewards card packed with benefits for online shoppers, foodies, and movie buffs. Let’s break down every detail so you know exactly what you get and how to maximize your rewards.”

Quick snapshot

• Card type: Mid‑tier rewards card (RBL Bank Cookies)

• Best for: Online shoppers, food delivery users, frequent taxi/ride‑hailing customers, and moviegoers

• Membership fee: ₹100 + GST (monthly)

1) Fees & charges

• Monthly Membership Fee: ₹100 + GST

• Reward Redemption Fee: ₹99 + GST per redemption day (effective August 15, 2022)

• Fee Waiver: Spend ₹5,000 or more in a calendar month → next month’s ₹100 fee gets waived

Reminder: The card charges a small redemption fee when you redeem points — plan redemptions smartly to avoid frequent ₹99 charges.

2) Welcome benefit (activation offer)

Right after activation, make any transaction within 30 days, and you’ll receive a ₹1,000 gift voucher. You can choose from Croma, Myntra, Amazon, Flipkart, or Shoppers Stop.

• Voucher delivery: Arrives within 60 days of issuance.

• Eligibility: Only full‑fee cardholders qualify.

3) Reward structure (how you earn points)

• Base Rate: 1 Reward Point per ₹100 on eligible spends.

• Online spends: 5× Reward Points (that is, 5 points per ₹100 where eligible).

• Redemption value: Up to ₹0.20 per point when redeemed.

Exclusions:

• Cash withdrawals and any EMI or Split‑N‑Pay transactions.

• Merchant Category Codes and Bills2Pay transactions as per T&C clause 2.12 (detailed MCC exclusions listed below).

Note: Check T&C clause 2.12 for exact Billing/Reward treatment of certain merchant categories.

4) 10% cashback on Zomato, Myntra & Uber

• Offer: 10% cashback on Zomato, Myntra, and Uber — this is on top of app discounts.

• Maximum cashback per month: ₹900 total (that is, ₹300 per brand).

• How it posts: Cashback posts in your statement automatically.

5) Milestone program (yearly rewards)

• Spend ₹2,00,000 in a membership year → receive voucher worth ₹1,000.

• Spend ₹5,00,000 in a membership year → receive voucher worth ₹5,000.

• Voucher brands: Amazon, Flipkart, Myntra, Croma, Shoppers Stop.

• Delivery timeline: Vouchers delivered within 45 days of meeting the spend criteria.

6) Monthly fee waiver (reminder)

Spend ₹5,000+ in any month to waive the next month’s ₹100 fee. This is repeated here because it’s one of the easiest ways to reduce your effective cost of holding the card.

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7) BookMyShow movie benefit

• Offer: 10% instant discount up to ₹300 per month on a single ticket booking via the BookMyShow app/website.

• Frequency: Once per month.

8) Fuel surcharge waiver

• How it works: Charge ₹500–₹4,000 on fuel transactions to get the fuel surcharge waived.

• Cap: Up to ₹150 per month, reversed in your monthly statement.

9) Key exclusions — MCCs & transactions not eligible

Transactions on the following MCCs are not eligible for rewards or fee waiver:

• Fuel & Auto: 0032, 2541, 4001, 5542, 5541, 5172

• Utilities: 4900

• Insurance: 6300, 6310

• Quasi‑Cash: 6050, 6051, 4829

• Railways: 0066, 4011, 4112

• Real Estate / Rental: 6513

• Education: 8211, 8220, 8241, 8244, 8249, 8299

• Wallets / Service Providers: 6540

• Government Services: 1490, 2490, 2995, 7800, 9222, 9223, 9311, 9399, 9400–9406

• Contracted Services: 0742, 0763, 1520, 1711, 1740, 1750, 1761, 1771, 1780, 1799

• Miscellaneous: 5960

• Cash Transactions: 6010, 6011

• EMI & Bills2Pay

Make sure to double‑check transactions that might carry ambiguous MCCs — some billers and aggregators code differently and could affect rewards eligibility.

Who should consider the RBL Cookies card?

This card makes sense if:

• You spend regularly on online shopping (Myntra/Flipkart/Amazon) and food delivery (Zomato).

• You use Uber often and want stacked savings (app discount + 10% cashback).

• You go to the cinema once a month and will use the BookMyShow discount.

• You can reliably spend ₹5,000+ each month (to keep the monthly fee waived).

It is less attractive if your spends are skewed towards categories excluded above (fuel, insurance, government payments, train tickets, etc.) or if you don’t make redemptions often (because of the ₹99 redemption fee).

Pros & Cons (quick view)

Pros:

• Strong online spend reward acceleration (5× points).

• 10% cashback on three high‑utility apps (Zomato, Myntra, Uber) with ₹900 monthly cap.

• BookMyShow ticket discount once a month.

• Simple monthly fee waiver target (₹5,000) — easy to meet for regular spenders.

• Milestone bonuses for high annual spenders.

Cons:

• Monthly fee (₹100 + GST) — adds cost if you don’t meet waiver criteria.

• Reward redemption fee (₹99 + GST per redemption day) — discourages small frequent redemptions.

• Several MCC exclusions that may block rewards on some common spends.

• Redemption value capped at ₹0.20 per point — check whether redemption options give you that value in practice.

Tips to maximise benefits (practical playbook)

1. Always hit ₹5,000 monthly spend to waive the fee — group bills or schedule purchases if a month is light.

2. Stack offers: Use merchant/app discounts first (Myntra/Flipkart sales, Zomato promo codes), then pay with Cookies card to get the 10% cashback on top.

3. Plan redemptions: Avoid frequent small redemptions to escape repeated ₹99 fees — consolidate redemptions.

4. Track milestone progress: If you’re close to ₹2L/₹5L in a membership year, push discretionary spends to the card to unlock vouchers.

5. Watch for MCC surprises: If using bill‑pay aggregators or wallets, confirm how the merchant is coded before expecting points.

Conclusion

RBL Bank Cookies is a well‑rounded mid‑tier card aimed at online shoppers, dine‑in/food delivery users and ride hailing customers who can consistently meet the ₹5,000 monthly spend threshold. Its 10% cashback on Zomato, Myntra and Uber and the BookMyShow monthly movie savings make it attractive for the right profile — but watch out for the ₹99 redemption fee and the long MCC exclusion list which can reduce real‑world earnings.