RBL Bank Cookies Credit Card

Features and Benefits of the RBL Bank Cookies Credit Card

Mentioned below are the features and benefits of the RBL bank Cookies Credit Card:

RBL Bank Cookies Credit Card Fees and Charges

Credit Card Limit of RBL Bank Cookies Credit

RBL Bank Cookies Credit Card is not subject to a single fixed card limit for all its users. It is based on the individual's profile and various other factors. It is discretionary and assigned by the bank.  

The credit limit on your RBL Bank credit card depends on factors given below: 

1. Number of credit cards owned: Multiple active cards portrays high credit dependency leading to banks offering a lower limit to minimize their risk.
2. Current debt obligations: After calculating the debt-to-income ratio, if a large portion of your salary is already going towards EMIs, it would automatically lead to a lower limit. 
3. Credit repayment history: Paying bills on time shows reliability, encouraging the bank to provide you with a higher limit for your card. 
4. Employment status: An individual with stable, permanent employment assures the bank of steady cash flow for repayments. 
5. Income: Higher the income of an applicant, higher the financial capacity to repay larger bills, justifying a higher limit. 
6. Credit score: An individual's CIBIL score is the summary of their financial health. A score of more than 750 is the best score and avails the highest available limits. 

How to Redeem Points Earned on Your RBL Bank Cookies Credit Card 

To redeem your points, follow these steps: 

1. Step 1: Log in to the RBL Rewards Portal using your username and password.
2. Step 2: Select the reward of your choice and add it to the cart.
3. Step 3: You can then proceed to redeem your points for that product. 

Accumulated reward points from the RBL Rewards platform can be redeemed for various options like hotel bookings, travels or many other products listed on the Rewards website. Each reward point is valued at Rs. 0.25. Every redemption request is subject to a standard fee of Rs. 99.

How to Redeem Your Voucher?

Follow the steps mentioned below to redeem your RBL Cookies Credit Card Vouchers: 

1. Receive Eligibility Notification: Once eligible, you will receive an email and SMS containing a redemption link.
2. Access Redemption Webpage: Click on the link provided to open the redemption webpage.
3. Enter Mobile Number: Input your registered mobile number and click on the 'Submit' button.
4. Verify with OTP: Enter the OTP sent to your registered mobile number for verification.
5. Select Voucher: Browse and choose your preferred voucher from the available brand options.
6. Specify Details: Select the desired denomination and quantity for redemption.
7. Complete Redemption: Click the 'Submit' button, and the voucher will be sent to your registered mobile number and email ID.

What are the steps to apply for the RBL Bank Cookies Credit Card?

Follow these simple steps to apply for the Cookies Credit Card:

1. Visit the Official Website: Access the application page through this URL: RBL Bank Cookies Credit Card.
2. Click 'Get It Now': Select the Get It Now button to proceed to the application form.
3. Fill in Personal Details: Provide information such as your full name, date of birth, gender, mobile number, email ID, and city of residence.
4. Consent to Communication: Check the box to allow the bank to contact you regarding your application.
5. Verify Identity: Confirm you are not a robot by checking the CAPTCHA box, then generate and enter the OTP sent to your mobile number and email.
6. Provide Additional Information: Include details such as your PIN code, residential address, income source, monthly earnings, and PAN card information.
7. Agree to Terms and Conditions: Check the box for terms and conditions and submit your application.
8. Await Bank Communication: The bank will evaluate your application and contact you for the submission of KYC documents. If your application meets the eligibility criteria, your RBL Bank Cookies Credit Card will be approved.

RBL Bank Cookies Credit Card Eligibility Criteria

The bank will have its eligibility criteria set out when it comes to applying for this credit card. This may include income-related criteria and employment-related criteria. Additionally, your age and nationality will also play a role in assessing your eligibility for this card.

Documents Required to Apply for RBL Bank Cookies Credit Card

The bank may request different documents from individual applicants. In general, though, you may have to submit the following documents:

1. Identity-related documents: These can include your PAN card, Aadhaar card, driving licence, and passport among others.
2. Address proof documents: Your passport or your Aadhaar card can work as address proof documents.
3. Income proof documents: You may be asked to furnish income proof. This could be in the form of your payslip, Form 16, or income tax returns among others.

How to Apply for the RBL Bank Cookies Credit Card?

You can apply for the RBL Bank Cookies Credit Card on the bank's website. You will be required to fill in the application form and provide details such as your primary source of income, your average monthly income, and your PAN card details.

Alternatively, you can also apply for the card by visiting your local RBL Bank branch.

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