The RBL Cookies Credit Card is an excellent option for those seeking a credit card with a variety of benefits across multiple categories. With an affordable annual fee, it provides numerous rewards, including vouchers, cashbacks, and memberships, all designed to enhance your lifestyle. Let’s dive deeper into the features, benefits, eligibility, and application process for the RBL Cookies Credit Card.
Features and Benefits of RBL Cookies Credit Card
1. Welcome Voucher
Upon successful issuance of the card, users can enjoy a welcome voucher worth Rs. 1,000. This voucher can be redeemed at leading e-commerce platforms such as Amazon, Flipkart, Myntra, Croma, and Shoppers Stop, allowing cardholders to start saving right away. To avail of this benefit, you must make a purchase within 30 days of receiving the card.
2. Exclusive Vouchers Based on Annual Spending
The RBL Cookies Credit Card rewards users for spending more, with two distinct voucher categories:
- Voucher Worth Rs. 1,000: Once you spend Rs. 2 lakh in a year, you can redeem a voucher worth Rs. 1,000 at Amazon, Flipkart, Myntra, Croma, or Shoppers Stop.
- Voucher Worth Rs. 5,000: If your yearly expenditure crosses Rs. 5 lakh, you are eligible for a voucher worth Rs. 5,000 at any of the aforementioned platforms.
3. Zomato Gold Membership
An attractive feature of the RBL Cookies Credit Card is the Zomato Gold Membership. By spending Rs. 1.5 lakh annually, you can unlock a complimentary Zomato Gold membership, which enhances your dining experiences by providing exclusive deals at partner restaurants.
4. Reward Points
The reward system on the RBL Cookies Credit Card is designed for both online and offline shoppers:
- Earn 5 reward points for every Rs. 100 spent on online transactions.
- For offline purchases (except fuel), earn 1 reward point for every Rs. 100 spent.
5. Fuel Surcharge Waiver
One of the significant perks of the RBL Cookies Credit Card is the fuel surcharge waiver. You can enjoy a waiver of up to Rs. 150 per month when refueling at petrol stations across India. This waiver is applicable for fuel transactions between Rs. 500 and Rs. 4,000, ensuring that your daily commutes or road trips remain economical.
6. Cashback Offers
The RBL Cookies Credit Card includes exciting cashback offers across multiple platforms. Here are the cashback details for some popular brands:
- BookMyShow: Get 10% cashback up to Rs. 300 per month.
- Grofers: Enjoy 10% cashback up to Rs. 300 per month by using the promo code COOKIES.
- Myntra, Uber, Zomato: Avail 10% cashback up to Rs. 300 per month on each platform.
7. Dining and Cab Rides
The card provides exclusive dining and cab ride privileges through partnerships with restaurants and ride-hailing services. These offers further elevate the experience of owning an RBL Cookies Credit Card.
Fee and Charges of RBL Cookies Credit Card
Before applying, it’s essential to be aware of the fee structure associated with the card. Here’s a breakdown of the charges:
| Category | Amount |
|---|---|
| Joining Fee | Rs. 500 (for cards issued before 10th May 2021), Rs. 100 per month (for cards issued after 10th May 2021) |
| Annual Fee (Second Year Onwards) | Rs. 500 (for cards issued before 10th May 2021), Rs. 100 per month (for cards issued after 10th May 2021) |
| Finance Charges | Up to 3.99% p.m. (47.88% p.a.) |
| Late Payment Fee | 12.5% of the outstanding amount (Min. Rs. 5 |
Be sure to review these charges carefully before applying to ensure that the card meets your financial needs.
Eligibility Criteria for RBL Cookies Credit Card
To apply for the RBL Cookies Credit Card, you must meet the following eligibility requirements:
- Age: The applicant must be between 21 and 65 years of age.
- Employment Status: The card is available to both salaried and self-employed individuals.
- Credit Score: A good credit score is essential to ensure approval.
Documents Required
To complete your application, you will need to provide the following documents:
- Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, or Job card issued by NREGA.
- Proof of Address: Aadhaar card, Driver’s License, Passport, a utility bill (not more than three months old), Ration Card, Property Registration Document, or Job card issued by NREGA.
- Proof of Income: Submit your latest salary slip (not older than three months), Form 16, or bank statement for the last three months.
How to Apply for the RBL Cookies Credit Card?
To apply for the RBL Cookies Credit Card, follow these steps:
- Online Application: Visit the RBL Bank website and navigate to the credit card section. Fill out the online application form with your details.
- Document Submission: Upload the necessary documents for identity, address, and income verification.
- Application Review: Once submitted, the bank will review your application and check your eligibility based on your credit score and income.
- Approval and Dispatch: Upon approval, your credit card will be dispatched to your registered address.
Alternatively, you can also apply by visiting your nearest RBL Bank branch and submitting the required documents in person.