Credit Card Compare

Cookies Credit Card

Data last updated 23 October 2026
47.88%
Purchase rate
₹100
Annual fee
50 days
Interest-free
Application

CardIQ

73Strong

Strong

Overall score, out of 100 · How this works

  • Cashback97
  • Rewards49

Customer reviews

No reviews yet. Be the first to review the Cookies Credit Card.

Pros & cons

What's good

  • The ₹100 annual fee is low: it undercuts the ₹750 median.
  • Earns cashback on eligible spending.

Worth noting

  • This card (issued after May 10, 2021) has a monthly fee of INR 100 + GST (18% GST not included in stated fee). Fee waived for the subsequent month if eligible spends of INR 5,000 or more are made in the current calendar month. Cards issued before May 10, 2021 had an annual fee of INR 500.
  • The 47.88% p.a. purchase rate sits in the most expensive quarter of cards (the median is 45% p.a.) if you carry a balance.
  • No balance transfer or introductory purchase offer.
  • Up to 50 interest-free days on purchases (below the 50-day median).

Card details

The basics

Additional cardholder fee
₹200 p.a.
Card tier
Standard
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
RBL Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
47.88% p.a.
Purchases
47.88% p.a.

Fees

Additional cardholder fee
₹200
Annual fee
₹100 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹0

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
Total GST + Current month EMI Debits + [Max of (100% of Fee/Charges + 5% of (Retail Spends, Cash Advance, Interest)) or INR 200] + previously unpaid MAD (if any) + Overlimit Utilization Amount (if any)

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
None
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Cashback

Cashback cap
₹900 per month
Ongoing cashback
10% on eligible spend

10% cashback on Zomato, Myntra, and Uber; capped at INR 300 per brand per calendar month (INR 900 total). Applicable only on transactions above INR 100. Credited within 60 days.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days50 daysTop 10% (3rd of 24 cards)
Annual fee₹100 a yearTop 25% (8th of 49 cards)
Overseas fee3.50%Better than most (14th of 49 cards)
Purchase rate47.88%Not as good as most cards (42nd of 49 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
RBL Bank