RBL Bank Cookies Credit Card vs SBI Cashback Credit Card
How RBL Bank Cookies Credit Card and SBI Cashback Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
Apply links will be affiliate links once activated — we may earn a commission at no extra cost to you; it never changes this comparison. How we make money →
Quick take
Neither is lifetime-free: RBL Bank Cookies Credit Card costs ₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month. and SBI Cashback Credit Card costs ₹999 + GST (waived on ₹2L annual spend) — both waivable on spend, so the rewards decide 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.
SBI Cashback Credit Card — better for online shoppers who want flat, auto-credited cashback across most sites.
Side by side
| RBL Bank Cookies Credit CardRBL Bank | SBI Cashback Credit CardSBI Card | |
|---|---|---|
| Annual fee | ₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month. | ₹999 + GST (waived on ₹2L annual spend) |
| Reward rate | 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. | 5% online (cap ₹2,000/cycle) + 1% offline (cap ₹2,000/cycle) |
| Lifetime-free | No | No |
| Network | Visa | Visa / RuPay |
| Eligibility | Approx age 21-65; salaried or self-employed with a good credit score (income not officially specified; PAN + Aadhaar required). | Approx 21–70 yrs; salaried/self-employed with stable income |
| Best 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. | Online shoppers who want flat, auto-credited cashback across most sites. |
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)
SBI Cashback Credit Card
- 5% cashback on online spends (cap ₹2,000/cycle, revised Apr 2026)
- 1% on offline spends (cap ₹2,000/cycle); auto-credited to statement
- Excludes fuel, rent, utilities, wallet loads, insurance, EMI & more
RBL Bank Cookies Credit Card vs SBI Cashback Credit Card — FAQs
Neither is universally better. 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. SBI Cashback Credit Card suits online shoppers who want flat, auto-credited cashback across most sites. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: RBL Bank Cookies Credit Card costs ₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month. and SBI Cashback Credit Card costs ₹999 + GST (waived on ₹2L annual spend) — both waivable on spend, so the rewards decide it. On rewards, 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). whereas SBI Cashback Credit Card gives 5% cashback on almost all online spends (no merchant tie-in), auto-credited.
RBL Bank Cookies Credit Card: ₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month.. SBI Cashback Credit Card: ₹999 + GST (waived on ₹2L annual spend). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
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.