RBL Bank Cookies Credit Card
Rs 1,200Annual fee
0Domestic lounge
3.5%Forex markup
Best for
online, shopping, entry level
Top rewards
Zomato spends (10% cashback): 10% Cashback; Myntra spends (10% cashback): 10% Cashback; Uber spends (10% cashback): 10% Cashback
Kotak 811 Credit Card
Rs 500Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
online, entry level, milestone cashback
Top rewards
Online spends: 2 Reward Points / ₹100 spent online; Utility spends: 1 Reward Point / ₹100 spent on utilities; Other eligible offline spends: 1 Reward Point / ₹100 spent offline
| Feature | RBL Bank Cookies Credit Card | Kotak 811 Credit Card |
|---|---|---|
| Issuer | RBL Bank | Kotak Mahindra Bank |
| Network | Visa | Visa |
| Joining fee | Rs 0 | Rs 500 |
| Annual fee | Rs 1,200 | Rs 500 |
| Fee waiver spend | - | Rs 50,000 |
| Reward type | reward points | Kotak Reward Points |
| Best for | online, shopping, entry level | online, entry level, milestone cashback |
| Top reward categories | Zomato spends (10% cashback): 10% Cashback; Myntra spends (10% cashback): 10% Cashback; Uber spends (10% cashback): 10% Cashback | Online spends: 2 Reward Points / ₹100 spent online; Utility spends: 1 Reward Point / ₹100 spent on utilities; Other eligible offline spends: 1 Reward Point / ₹100 spent offline |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Monthly card fee of ₹100 is waived on spending ₹5,000 or more in a calendar month, Earn ₹1,000 brand voucher (Amazon, Flipkart, Myntra, Croma, Shoppers Stop) on annual spends of ₹2 Lakhs, Earn ₹5,000 brand voucher (Amazon, Flipkart, Myntra, Croma, Shoppers Stop) on annual spends of ₹5 Lakhs | Not listed |
| Redemption | Not listed | Statement credit: upto Rs 0.07 per point |
| Key exclusions | Fuel transactions, Utility bill payments, Insurance spends, Rent and real estate payments, Cash advance transactions | Education spends, E-wallet loading transactions, Fuel spends, Rent payments, Government spends, Insurance spends |