RBL Cookies Credit Card Review

RBL Bank is one of the Indian credit card providers that offer a very wide credit card lineup that has almost every category of credit cards in it. The rbl cookies credit card is one of them. This card is designed for those who want to have a second card or a low-cost card for their daily usage.

It packs some very useful features like reward points on every transaction, discounts on travel-related expenses, extra benefits on milestone spending, etc. This card is powered by MasterCard and the annual fee is Rs. 500. More about the rbl bank credit card benefits are discussed below. 

RBL Bank Credit Card Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above Rs. 25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above Rs. 25,000 monthly. 
  • A good CIBIL Score (750 or more) is required to get a higher credit limit on this card.

Documents Required To Apply For RBL Cookies Credit Card:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 

RBL Cookies Credit Card Fee:

  • Rbl credit card joining fee: Rs. 500 + GST
  • Rbl credit card annual fee: Rs. 500 + GST

Benefits Of RBL Credit Card:

  • A huge gift to welcome gift:

With the issuance of the card, you will get a gift voucher of Rs. 500 from Amazon. To grab this offer you just have to pay the first-year joining fee in time and make a transaction with your card within 30 days of the card activation. Also, you will get 2500 rbl reward points with it.

  • Earn rewards from every transaction:

This rbl bank credit card offers 1 reward point for each Rs. 100 offline spendings (except on fuel). You will get 2 reward points for the same on online transactions. 

You can use those rbl bank credit card reward points for mobile recharge, travel booking, bill payment, and to get a product from the rbl credit card points redemption catalog.

  • Exclusive deals on movies:

If you can spend Rs. 10,000 with your card within a year then you will get 10% cash-back on movie tickets booked through BookMyShow up to 10 times a year for the next year.

  • Attractive deals on travel:

If you can spend Rs. 75,000 with your card within a year, then you will get a 10% discount on Uber cab booking 10 times.  

  • Earn cash backs from online food orders:

This rbl bank credit card offers a 10% Cash-Back on online food orders from Zomato 10 times a year. To unlock this RBL credit card offer you just have to spend Rs. 75,000 with your card within a year.

  • Get freedom from fuel surcharges:

You can win up to Rs. 150 waived off on fuel surcharges monthly. This rbl credit card offer is applicable on transactions between Rs.  500 – Rs.  4000, this offer is applicable at any fuel station in India.

  • Extra benefits on milestone spending:

If you can spend Rs. 12,000 within a month then you can earn 1,440 rbl card reward pointsAlso if you can spend Rs. 18,000 online, in a month, then you will get up to 4,320 reward points.

  • Get rbl credit card life time free add-on cards for your loved ones:

You can share your awesome rbl bank credit card benefits with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also enjoy the facilities of credit card without paying for them.

  • Security of advanced EMV chip:

This rbl credit card offers the security of the advanced EMV Chip. The EMV chips use a very strong encryption method to store your very sensitive credit card information, making your card almost impossible to clone.

  • Easy application process:

You can apply for this card from the RBL bank online application portal, once your rbl credit card application is submitted successfully, you can track the status of your application from the rbl credit card status tracking portal.

As per the new credit card rules, all new rbl bank credit cards are delivered in an inactive state. And to start using this card you need to activate it manually, by generating a new credit card PIN. You can get some help on the rbl credit card pin generation process from the 100xGain faq page.

  • Convenient rbl online credit card payment option:

This rbl credit card offers a very convenient payment option for its customers. You can pay your RBL credit card bill online using rbl credit card net banking account or by using any credit card payment app. But if you don’t have access to the above-stated ratnakar bank credit card payment options, then you can pay your credit card bill via NEFT, cheque, or from your nearby ATM. 

  • A card that you can use anywhere in the world:

This rbl cookies credit card is globally accepted, you can use this card at any outlet or e-commerce site where the MasterCard Credit Cards are accepted.

RBL Credit Card Charges:

Particulars

Payable amount

RBL bank credit card cash withdrawal charges

2.5% minimum Rs. 500, applicable once per withdrawal (Check your available rbl credit card limit before making a withdrawal)

Finance Charge

The rbl bank credit card interest rate can go up to 3.99% monthly

Foreign currency transaction

3.5% against the transaction amount

Add-on card fee

None

RBL Credit Card Customer Care Contact Details:

  • Call the RBL credit card customer care number: 022-6232-7777 or 022-7119-0900 (Super Card)
  • Write to the rbl bank credit card email id: cardservices@rblbank.com 

100xGain Ratings:

6/10

Final Opinion:

If you are looking for a low-cost credit card for your everyday needs, then this card will be a very good option for you. This card offers reward points on everyday transactions, extra benefits on Uber cab rides, discounts on online food orders, and also some extra rewards for reaching a certain milestone point. 

But if you want a credit card for benefits from a specific spend category like travel or entertainment, then feel free to visit our top 10 credit card pages. And if you want to compare some similar card options then take a look at the alternative card options given below. You can also take a look at the ICICI amazon credit card review, it is an awesome credit card with lots of attractive features and benefits.

Alternative Cards: 

  1. Citi premiermiles credit card (Best for travel and shopping-related benefits)
  2. ICICI bank titanium credit card (Best for dining and fuel surcharge waiver)
  3. ICICI Bank British Airways Classic Credit Card (Best for travel and dining benefits)
  4. Irctc sbi platinum credit card (Best for rewards and travel benefits)

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