MyFinCards
RBL Bank Paisabazaar Duet Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

RBL Bank
Cashback
Best For: Users seeking a simple no-fee cashback card, Light spenders on retail and online categories

RBL Bank Paisabazaar Duet Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹500 /monthly

Pros

  • No annual fee for cards onboarded after September 01, 2021
  • Simple flat cashback with no points confusion
  • Xpress Cash facility for instant fund transfer within credit limit
  • Available on both Mastercard and Visa networks

Cons

  • Low cashback cap of INR 500 per month
  • Numerous excluded MCC categories (fuel, utilities, insurance, railways, education, wallets, government services, etc.)
  • INR 500 + GST annual fee for cards onboarded before September 01, 2021

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Cashback not earned on fuel, utilities, insurance, quasi-cash, railways, real estate, education, wallets, government services, contracted services, cash, and Bills2Pay transactions

Maximum yearly cashback benefit capped at INR 6,000

Key Benefits & Features

Detailed benefits inside

Notable Exclusions

No cashback on Quasi-CashNo cashback on Fuel & AutoNo cashback on UtilitiesNo cashback on InsuranceNo cashback on RailwaysNo cashback on Real Estate/RentalNo cashback on EducationNo cashback on Wallets/Service ProvidersNo cashback on Government ServicesNo cashback on Contracted ServicesNo cashback on Cash transactionsNo cashback on Miscellaneous (MCC 5960)No cashback on Bills2Pay transactions (utility bill payments via RBL MyBank App/Internet Banking)

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About RBL Bank Paisabazaar Duet Credit Card

The RBL Bank Paisabazaar Duet Credit Card is a no-frills cashback card designed for everyday spenders who want straightforward rewards without the complexity of points or reward programs. Issued in partnership with Paisabazaar.com, this co-branded card is available on both MasterCard and VISA networks and carries no annual membership fee for cardmembers onboarded after September 1, 2021, making it an accessible option for cost-conscious consumers. The card's core benefit is a flat 1% cashback on retail outlet and online transactions, capped at INR 500 per calendar month. Cashback is credited directly to the card account within two weeks of the purchase settlement date and can be tracked via the monthly credit card statement. With up to INR 6,000 in potential yearly benefits, the card delivers consistent, predictable value on eligible purchases. Certain categories such as fuel, utilities, insurance, railways, education, and government services are excluded from cashback eligibility. Beyond cashback, the card offers access to the Xpress Cash facility through the RBL MyBank Mobile App, allowing cardmembers to transfer funds as a loan within their credit limit, repayable in easy EMIs with interest charged only on the amount utilized. This combination of simple cashback earning and flexible credit access makes the Paisabazaar Duet Credit Card a practical everyday financial tool.

Expert Review

Our Verdict

No-fee cashback card offering 1% cashback up to ₹500/month on retail & online spends.

Frequently Asked QuestionsAbout RBL Bank Paisabazaar Duet Credit Card

FEESWhat is the annual fee for the RBL Bank Paisabazaar Duet Credit Card?
The annual fee depends on when you were onboarded. If you received the RBL Bank Paisabazaar Duet Credit Card after September 01, 2021, there is NIL annual membership fee. However, if your card was onboarded before September 01, 2021 (previously known as 'RBL Bank Paisa on Demand'), an annual fee of INR 500 + GST (18%) is applicable.
REWARDSHow much cashback can I earn with the RBL Bank Paisabazaar Duet Credit Card?
You can earn 1% cashback on retail outlet and online transactions, up to a maximum of INR 500 per calendar month. This means you can earn up to INR 6,000 in cashback benefits annually. The cashback is credited directly to your card account within 2 weeks of the purchase settlement date and can be viewed in your monthly credit card statement.
REWARDSWhen will my cashback be credited to my account?
The cashback benefit will be credited to your credit card account within 2 weeks of the purchase settlement date. You can view your cashback credit in your monthly credit card statement. There are no reward points involved — the cashback is straightforward and applied directly to your card account, making it easy to track your savings.
REWARDSWhich transaction categories are NOT eligible for cashback on this card?
Cashback is not earned on the following categories: Fuel & Auto, Utilities, Insurance, Quasi-Cash transactions, Railways, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash withdrawals, and Bills2Pay (utility bill payments via RBL MyBank App/Internet Banking). Miscellaneous MCC 5960 is also excluded. Always check the MCC code of a merchant before assuming cashback eligibility.
BENEFITSWhat is the Xpress Cash facility on the RBL Bank Paisabazaar Duet Credit Card?
The Xpress Cash facility allows you to transfer funds instantly within your credit card limit directly to your bank account. To use it, open the RBL MyBank Mobile App, click on 'Get Instant Cash', enter the loan amount and tenure, review the EMI, interest rate, and processing fee, then enter your bank account details. The amount is credited within 3–4 working days. You pay interest only on the amount used, and can repay in easy EMIs.
BENEFITSOn which payment networks is the RBL Bank Paisabazaar Duet Credit Card available?
The RBL Bank Paisabazaar Duet Credit Card is available on both the Mastercard and Visa payment networks. This gives cardholders wide acceptance at millions of merchant outlets and online platforms globally, providing flexibility and convenience for both domestic and international transactions.
USAGEHow do I set my RBL Bank Paisabazaar Duet Credit Card PIN?
You can set your credit card PIN online through the RBL Bank website or mobile app. Visit the 'Credit Cards' section and select 'Set Your Credit Card PIN'. Follow the on-screen instructions to generate and confirm your new PIN. It is recommended to set your PIN immediately upon receiving your card to activate it for use at ATMs and POS terminals.
USAGEHow can I make payments for my RBL Bank Paisabazaar Duet Credit Card?
You can make credit card payments through multiple channels: Net Banking, Debit Card, UPI, RBL MyCard Mobile App, or via NEFT. Additionally, you can pay through Google Pay, Samsung Pay, BHIM UPI @ RBL Bank, or Bharat QR. Simply log in to your preferred payment method and follow the instructions to pay your credit card outstanding balance on time to avoid late fees.
FEESIs there a joining fee for the RBL Bank Paisabazaar Duet Credit Card?
There is no joining fee mentioned for the RBL Bank Paisabazaar Duet Credit Card. For cards onboarded after September 01, 2021, there is also no annual membership fee, making this a truly zero-cost credit card for new applicants. This makes it an attractive option for those looking for a cashback card with no upfront or recurring charges.
OTHERWho is the co-brand partner for the RBL Bank Paisabazaar Duet Credit Card?
The co-brand partner for this card is Paisabazaar Marketing and Consulting Pvt Ltd. There is a revenue sharing arrangement between RBL Bank and Paisabazaar.com for this card. The digital lending app associated with this card is the RBL MyBank Mobile App, which is used for features like the Xpress Cash facility and bill payments.
REWARDSWhat is the maximum yearly cashback benefit I can earn with this card?
Since the cashback is capped at INR 500 per calendar month, the maximum yearly cashback you can earn is INR 6,000 (INR 500 × 12 months). To earn the maximum monthly cashback of INR 500, you would need to spend at least INR 50,000 per month on eligible retail and online transactions, as the cashback rate is 1% on eligible purchases.
OTHERHow do I report a lost or stolen RBL Bank Paisabazaar Duet Credit Card?
If your RBL Bank Paisabazaar Duet Credit Card is lost or stolen, or if you notice any unauthorised transactions, you should immediately report it through the RBL Bank website under 'Quick Services > Report Loss of Card or Fraud > Credit Card – Report Loss or Unauthorised Use'. You can also contact RBL Bank's customer service via the 'Contact Us' section or raise a query/complaint through the bank's grievance redressal mechanism.
INTERNATIONALCan I use the RBL Bank Paisabazaar Duet Credit Card for international transactions?
The RBL Bank Paisabazaar Duet Credit Card is available on both Mastercard and Visa networks, which are globally accepted payment networks, enabling international usage. However, specific forex markup charges and international transaction fees are not explicitly mentioned on the card's page. It is advisable to contact RBL Bank customer service or refer to the Schedule of Charges for details on foreign currency transaction fees before using the card abroad.
CANCELLATIONHow do I cancel or close my RBL Bank Paisabazaar Duet Credit Card?
To cancel or close your RBL Bank Paisabazaar Duet Credit Card, you can contact RBL Bank through the 'Contact Us' section on their website, raise a formal request via 'Raise a Query / Request / Complaint', or visit your nearest RBL Bank branch. Ensure all outstanding dues are cleared before requesting card closure. You may also refer to the Cardmember Agreement for the terms related to card cancellation.
DOCUMENTSWhat documents are required to apply for the RBL Bank Paisabazaar Duet Credit Card?
While specific document requirements are not listed on the card page, standard documents typically required for an RBL Bank credit card application include: a valid identity proof (Aadhaar, PAN card, Passport), address proof, recent passport-size photographs, and income proof such as salary slips or IT returns. It is recommended to visit the RBL Bank website or contact their customer service to get the exact list of documents required for this specific card.

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