IndusInd Bank Platinum Aura Edge Credit Card vs RBL Bank Cookies Credit Card
How IndusInd Bank Platinum Aura Edge Credit Card and RBL Bank Cookies Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free, while RBL Bank Cookies Credit Card carries a fee (₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month.). If you won't reliably hit RBL Bank Cookies Credit Card's waiver spend, IndusInd Bank Platinum Aura Edge Credit Card is the cheaper card to keep.
IndusInd Bank Platinum Aura Edge Credit Card — better for someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it.
RBL Bank Cookies Credit Card — better for first-time / entry-level cardholders who spend at least ₹5,000 a month (to waive the fee) on zomato, uber and myntra and want simple 10% app cashback.
Side by side
| IndusInd Bank Platinum Aura Edge Credit CardIndusInd Bank | RBL Bank Cookies Credit CardRBL Bank | |
|---|---|---|
| Annual fee | ₹0 joining + ₹0 annual (lifetime free; no spend-based waiver needed) | ₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month. |
| Reward rate | 4 RP per ₹100 on chosen plan category (marketed as "up to 8X" vs 0.5 RP base), 0.5 RP per ₹100 on other spends; 1 RP = ₹0.40 on cash redemption (₹0.50 on catalogue), capped at 2,500 RP redeemable per month/cycle | 5 Reward Points per ₹100 online, 1 RP per ₹100 offline on eligible categories; 1 RP = approx ₹0.20-0.25 (official page states up to ₹0.20, aggregators cite ₹0.25); ₹99 + GST redemption fee. |
| Lifetime-free | Yes | No |
| Network | Visa | Visa |
| Eligibility | Age 18+ (approx); salaried or self-employed with steady income and good credit score (approx 750+); exact minimum income not officially published | Approx age 21-65; salaried or self-employed with a good credit score (income not officially specified; PAN + Aadhaar required). |
| Best for | Someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. | First-time / entry-level cardholders who spend at least ₹5,000 a month (to waive the fee) on Zomato, Uber and Myntra and want simple 10% app cashback. |
IndusInd Bank Platinum Aura Edge Credit Card
- 4 RP/₹100 on your chosen plan category (Shop/Home/Travel/Party), 0.5 RP/₹100 elsewhere; 1 RP = ₹0.40 (cash), max 2,500 RP/cycle redeemable
- 1% fuel surcharge waiver on fuel spends of approx ₹400 to ₹4,000 (capped approx ₹100/cycle)
- No joining fee and no annual fee ever (lifetime free); complimentary air accident insurance up to ₹25 lakh
RBL Bank Cookies Credit Card
- 10% cashback on Zomato, Uber and Myntra (cap ₹300/brand, ₹900/month total)
- 10% instant discount up to ₹300/month on BookMyShow movie tickets (once a month)
- Fuel surcharge waiver on fuel spends ₹500-4,000 (cap ₹150/month)
IndusInd Bank Platinum Aura Edge Credit Card vs RBL Bank Cookies Credit Card — FAQs
Neither is universally better. IndusInd Bank Platinum Aura Edge Credit Card suits someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. RBL Bank Cookies Credit Card suits first-time / entry-level cardholders who spend at least ₹5,000 a month (to waive the fee) on zomato, uber and myntra and want simple 10% app cashback. Compare the annual fee and reward rate above against your own spending — that's what decides it.
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free, while RBL Bank Cookies Credit Card carries a fee (₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month.). If you won't reliably hit RBL Bank Cookies Credit Card's waiver spend, IndusInd Bank Platinum Aura Edge Credit Card is the cheaper card to keep. On rewards, IndusInd Bank Platinum Aura Edge Credit Card gives lifetime-free card earning 4 reward points per ₹100 (8x the 0.5 rp base) on your chosen plan category whereas RBL Bank Cookies Credit Card gives 10% cashback on zomato, uber and myntra, capped at ₹300 per brand and ₹900 total per calendar month (min ₹100/txn).
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free (no fee, ever), while RBL Bank Cookies Credit Card charges ₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month. (waivable on spend).
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.