RBL Bank · Starter
RBL Bank Cookies Credit Card
lifestyle
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The bottom line
First-year value
+₹0.00
incl. joining fee
Ongoing / yr
₹-1,200.00
after ₹1,200.00 fee
Fee payback
—
fee > rewards here
Why it fits: a simple, low-friction card for everyday spend.
Estimated on an illustrative spend profile. Use the calculator below to match your own.
What would this card earn you?
Monthly spend₹82,400
₹32,960Your spend₹1,64,800
Annual reward
₹0
Annual fee
₹1,200
Net value
₹-1,200
View category breakdown
Reward rates
Key facts
Annual fee
₹1,200.00
Joining fee
Free
Interest (p.m.)
3.35%
Forex markup
3.5%
Domestic lounge
None
Intl lounge
None
Fuel waiver
1% (₹500-₹4,000 spend, ₹150/mo cap)
Min CIBIL
Not disclosed
Welcome benefit
₹1,000 gift voucher (choice of Croma, Myntra, Amazon, Flipkart or Shoppers Stop) on transacting within 30 days
Key Fact Statement
As required by RBI circular RBI/2023-24/53 · auto-generated from live issuer data
RBI KFS
| Parameter | Value | Note |
|---|---|---|
| Loan/credit product | RBL Bank RBL Bank Cookies Credit Card Credit Card | Product name |
| Annual Percentage Rate (APR) | 40.20% p.a. | Effective cost of credit on outstanding balance |
| Monthly finance charge | 3.35% per month on outstanding | Applied after interest-free period lapses |
| Interest-free period | Up to 50 days (if full due paid by due date) | No interest when bill settled in full each cycle |
| Annual fee / joining fee | ₹0 joining · ₹1,200 annual | Charged on first statement and each anniversary |
| Minimum amount due (MAD) | 5% of total outstanding or ₹200 (whichever is higher) | Paying only MAD incurs finance charge on remaining balance |
| Late payment charge | ₹100–₹1,300 depending on outstanding amount | Levied if MAD not paid by due date |
| Cash advance fee | 2.5% of amount or ₹500 (whichever is higher) | Plus finance charge from day of withdrawal |
| Forex markup fee | 3.50% on international / foreign-currency transactions | Over and above the card network exchange rate |
| Over-limit fee | 2.5% of over-limit amount or ₹550 (whichever is higher) | If spend exceeds sanctioned credit limit |
| Representative example | ₹10,000 outstanding for 12 months at 3.35%/month = total repayable ₹12,309 (APR 40.20%) |
Rates and charges are indicative and sourced from the issuing bank's Schedule of Charges. Actual charges are determined solely by the issuing bank at the time of sanction. This KFS is auto-generated by Naxelona and does not constitute an offer of credit. Credit is subject to the issuing bank's credit assessment and eligibility criteria.
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