RBL Bank Cookies Credit Card vs SBI SimplySAVE Credit Card
How RBL Bank Cookies Credit Card and SBI SimplySAVE 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
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 SimplySAVE Credit Card costs ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh 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 SimplySAVE Credit Card — better for everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee card.
Side by side
| RBL Bank Cookies Credit CardRBL Bank | SBI SimplySAVE 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. | ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh 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. | 10 RP per ₹150 on dining/movies/groceries/departmental stores (~1.7%); 1 RP per ₹150 on other spends (~0.17%); 1 RP = ₹0.25 |
| Lifetime-free | No | No |
| Network | Visa | Visa / Mastercard / RuPay |
| Eligibility | Approx age 21-65; salaried or self-employed with a good credit score (income not officially specified; PAN + Aadhaar required). | Age approx 21-70 years (salaried and self-employed); minimum income approx ₹20,000/month (aggregator-sourced) |
| 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. | Everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee card. |
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 SimplySAVE Credit Card
- 10 RP per ₹150 on dining, movies, groceries and departmental stores (1 RP = ₹0.25, i.e. ~1.7%); 1 RP per ₹150 elsewhere
- Welcome bonus of 2,000 Reward Points on spending ₹2,000 within 60 days of issuance
- 1% fuel surcharge waiver on transactions of ₹500-3,000 (capped at ₹100 per statement cycle)
RBL Bank Cookies Credit Card vs SBI SimplySAVE 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 SimplySAVE Credit Card suits everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee card. 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 SimplySAVE Credit Card costs ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh 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 SimplySAVE Credit Card gives 10x reward points (10 rp per ₹150) on dining, movies, groceries and departmental store spends — effective ~1.7% reward value
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 SimplySAVE Credit Card: ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh 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.